Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $3,209 (2026).

What school district is this property in?

This property is in the 186 - Pequot Lakes school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 33 days.

Listed at

$819,500

$389/sqft

Clamshell Bay

35778 Twin Pond Lane, Pequot Lakes, MN, 56472

4 Bedrooms2 Bathrooms2,104 Square Feet0.64 Acres

Days on market33

Year built1982

Garage spaces2

TypeResidential

Est. $21,585buyer credit when you buy with SODL

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About this home

Nestled on a quite cul-de-sac off prestigious Ruttger Road, this enchanting 4 bedroom 2 bath lakeside retreat offers a serene escape with a large wooded lot on 105 feet of lake frontage on Clamshell lake of the Whitefish chain. Cedar exterior blends seamlessly with nature. Inside are vaulted ceilings and a cozy fireplace that create a warm inviting ambiance in the main living area, the large deck provides a perch for lakeside viewing & entertaining. The dock stays in all year with boating access anywhere on the chain. The Whitefish Chain is made up of 14 lakes and includes 4 restaurants that you can drive your boat right up to. The Crosslake campground provides boat parking for in town fun. Start making your up north adventures today with this property that captures the best of lake life living. Please note: Two nearby construction projects are currently underway, a rare occurrence in this usually quiet neighborhood. These are temporary, and the area’s calm and charm will return soon.

View this property at

Date

Sep 20, 2026

Time

4pm – 5:30pm

Address

35778 Twin Pond Lane, Pequot Lakes, MN, 56472

Listed By: RE/MAX Results - Crosslake • NST7129572 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1982

LevelsSplit Entry (Bi-Level)

Living area2,104 sqft

Above-grade finished1,092 sqft

Below-grade finished1,012 sqft

Lot size0.64 acres (105 x 247 x 200 x 155)

Days on market33

ListedAug 18, 2026

MLS #NST7129572

CountyCrow Wing

SubdivisionClamshell Bay

Parcel #68210586

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Baseboard, Ductless Mini-Split, Dual Fuel/Off Peak, Fireplace(s)
Cooling: Ductless Mini-Split
Basement: Block, Walkout · 1,012 sqft finished

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 2 spaces · 26 x 24 · 624 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener
Exterior features: Cedar, Wood
View: Bay
Waterfront: Dock, Lake Front, Lake View

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,092 sqft
Roof: Age 8 Years or Less, Architectural Shingle
Year built: 1982

Utilities

Water: 4-Inch Submersible, Drilled
Sewer: Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Fuel: Electric

Community & HOA

Subdivision: Clamshell Bay
HOA: No HOA
School district: 186 - Pequot Lakes
High school district: Pequot Lakes

Financial & listing details

Annual tax: $3,209 (2026)
Tax with assessments: 3234
Listed: Aug 18, 2026
Days on market: 33
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Walkout

HeatingBaseboard, Ductless Mini-Split, Dual Fuel/Off Peak, Fireplace(s)

CoolingDuctless Mini-Split

Fireplaces1

AccessibilityNone

Exterior & lot

ExteriorCedar, Wood

RoofAge 8 Years or Less, Architectural Shingle

FoundationBlock

Foundation area1,092 sqft

ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible, Drilled

SewerPrivate Sewer, Septic System Compliant - Yes, Tank with Drainage Field

FuelElectric

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener

Garage spaces2

Garage size624 sqft

Financial details

Annual taxes$3,209

Tax year2026

Taxes w/ assessments3234

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District186 - Pequot Lakes

District number186

District phone2185684996

High schoolPequot Lakes

SODL flat fee brokerage

$21,585Estimated buyer credit

SODL platform fee $3,000Your buyer credit $21,585

Buyer-side commission

3.0%

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.

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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

$4,847/mo

Principal & interest$4,307

Property taxes$267

Home insurance (est.)$273

Down payment

$163,900

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.