Pending
$1,075,000
$206/sqft

Bay Lake Reserve

3197 Norcrest Avenue N, Stillwater, MN, 55082
5  Bedrooms5  Bathrooms5,215  Square Feet0.749  Acres
Days on market151
Year built2016
Garage spaces3
HOA / month$277
TypeResidential
Est. $29,250buyer credit when you buy with SODL

About this home

Sellers offering a $20,000 credit towards Buyers closing costs. Tucked into a quiet Stillwater cul-de-sac, this remarkable 5-bedroom, 5-bath home combines refined luxury with the warmth of a vibrant community and year-round lakefront living. From the moment you step inside, you’ll be captivated by the soaring ceilings, walls of windows, and impeccable high-end finishes that define this home. Spend cozy nights by the fireplace in the open concept living room or host guests in the formal dining room that sets the stage for elegant entertaining. At the heart of the home lies the gourmet chef’s kitchen, complete with a grand center island, walk-in pantry, and professional-grade appliances. A sunlit breakfast nook opens to the maintenance-free deck, offering serene views of the lake and walking paths. Upstairs, discover four spacious bedrooms, all with walk-in closets. The luxurious owner’s suite includes a cozy fireplace, while the stunning 13’ x 20’ primary bath offers a showstopper soaking tub with picturesque views, two vanities, a gorgeous walk-in shower, and all the space you could ever need. An upper-level bonus room and laundry add functionality to the modern design. The walkout lower level is an entertainer’s dream, boasting a spacious rec room with a fireplace, a thoughtfully designed wet bar, fifth bedroom, full bath, and direct access to the landscaped yard with paver patio, mature trees, and invisible fencing. Additional features include a custom mudroom and Hunter Douglas electric blinds. Beyond the home, the neighborhood community is second to none, a vibrant enclave where families gather for movie nights, outdoor fires, swimming, and even an annual curling competition on the frozen lake. Don’t miss this extraordinary opportunity, schedule your private showing today and experience the dream lifestyle that awaits. Only available due to relocation.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built2016
LevelsTwo
Living area5,215 sqft
Above-grade finished3,732 sqft
Below-grade finished1,483 sqft
Lot size0.749 acres (170x298)
Days on market151
ListedAug 28, 2025
MLS #NST6781695
CountyWashington
SubdivisionBay Lake Reserve
Parcel #1702920340015

Facts & features

Interior

Bedrooms
5
Bathrooms
5
Bath breakdown
4 full / 1 half
Heating
Dual Fuel/Off Peak, Forced Air, Fireplace(s), In-Floor Heating
Cooling
Central Air
Appliances
Cooktop, Dishwasher, Disposal, Exhaust Fan, Microwave, Refrigerator, Wall Oven, Water Softener Owned

Property

Levels / stories
Two
Garage
3 spaces · 30 x 22 · 660 sqft
Parking features
Attached Garage, Concrete, Garage Door Opener, Insulated Garage
Patio & porch
Deck, Front Porch, Patio
Fencing
Invisible
Lot size
0.749 acres

Construction

Property type
Residential
Property subtype
Single Family Residence
Foundation
1,734 sqft
Roof
Asphalt, Pitched
Year built
2016

Utilities

Water
Shared System, Well
Sewer
Shared Septic
Fuel
Electric, Natural Gas

Community & HOA

Subdivision
Bay Lake Reserve
HOA
$277/month
HOA name
Bay Lake Reserve
HOA phone
6518884860
HOA includes
Other, Professional Mgmt, Sewer, Water
School district
Stillwater

Financial & listing details

Annual tax
$10,651 (2025)
Tax with assessments
10654
Listed
Aug 28, 2025
Days on market
151
Manufactured home
Yes

Interior details

Total bathrooms5
Full baths4
3/4 baths0
Half baths1
1/4 baths0
BasementEgress Window(s), Finished, Full, Concrete, Storage Space, Sump Pump, Walkout
HeatingDual Fuel/Off Peak, Forced Air, Fireplace(s), In-Floor Heating
CoolingCentral Air
Fireplaces3
LaundryLaundry Room, Upper Level
AppliancesCooktop, Dishwasher, Disposal, Exhaust Fan, Microwave, Refrigerator, Wall Oven, Water Softener Owned
DiningEat In Kitchen, Separate/Formal Dining Room
AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Center Island, Primary Bedroom Walk-In Closet, Patio, Paneled Doors, Porch, Security System, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Wet Bar, Walk-In Closet
AccessibilityNone

Exterior & lot

RoofAsphalt, Pitched
Foundation area1,734 sqft
Patio/porchDeck, Front Porch, Patio
ZoningResidential-Single Family

Utilities

Water sourceShared System, Well
SewerShared Septic
FuelElectric, Natural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener, Insulated Garage
Garage spaces3
Garage size660 sqft

Financial details

Annual taxes$10,651
Tax year2025
Taxes w/ assessments10654
Assessment pendingNo
HOA fee$277
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2291
District phone6513518301
High schoolStillwater
SODL flat fee brokerage
$29,250Estimated buyer credit
SODL platform fee $3,000Your buyer credit $29,250

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$7,173/mo
Principal & interest$5,650
Property taxes$888
Home insurance (est.)$358
HOA fees$277
%
$215,000
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

3197 Norcrest Avenue N, Stillwater, MN, 55082

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Listing information

MLS #NST6781695
StatusPending
Last updatedFeb 10, 2026, 7:34 AM
Originally listedSep 5, 2025, 8:34 AM
Listing officeEXP Realty, LLC

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.