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 $3,722 (2025).

What school district is this property in?

This property is in the 181 - Brainerd school district.

Does this home have a garage?

Yes, this home has a 5-car garage.

How long has this property been on the market?

This property has been listed for 47 days.

Listed at

$679,000

$154/sqft

3702 Gull River Trail

3702 Gull River Trail, Brainerd, MN, 56401

5 Bedrooms5 Bathrooms4,410 Square Feet16.4 Acres

Days on market47

Year built1988

Garage spaces5

TypeResidential

Est. $17,370buyer credit when you buy with SODL

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About this home

Stunning 5-Bedroom Riverfront Retreat in the Heart of the Brainerd Lakes Area Nestled directly across from the scenic Gravel Pit Golf Course, this beautifully remodeled 5-bedroom, 5-bathroom home offers the perfect blend of luxury, comfort, and outdoor adventure. Situated on 16.4 acres with over 2,000 feet of frontage on the serene Gull River, this 4,400 sq ft home is a rare find in the sought-after Brainerd Lakes region. Step inside to find a spacious, updated interior featuring stainless steel appliances, granite countertops, and two cozy wood-burning fireplaces. The primary suite boasts a private deck with river views, a generous walk-in closet, a soaking tub, steam room, and a large tiled shower — your personal spa oasis. Enjoy year-round comfort in the charming four-season building, complete with French doors and a private saltwater hot tub, perfect for relaxing after a day of outdoor fun. Entertain on the expansive deck that stretches across the back of the home, or unwind in the walk-out basement with direct access to your private slice of nature. The property features: • A 28x56 detached garage with a sauna and shower • An attached, insulated, and finished garage • A sprawling yard with mature hardwoods and apple trees • Leasable boat slip on Gull Lake, just minutes away Located in a vibrant area filled with attractions including golf courses, go-karts, parks, and year-round recreational activities, this property is ideal as a forever home, luxury getaway, or investment opportunity. Don't miss this one-of-a-kind riverfront escape — where privacy meets play in the Brainerd Lakes Area.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1988

LevelsTwo

Living area4,410 sqft

Above-grade finished2,940 sqft

Below-grade finished1,470 sqft

Lot size16.4 acres (385x1200x830x1240)

Days on market47

ListedJan 29, 2026

MLS #NST7014156

CountyCrow Wing

Parcel #99220669

Facts & features

Interior

Bedrooms: 5
Bathrooms: 5
Bath breakdown: 3 full / 2 3/4
Heating: Dual Fuel/Off Peak, Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Cooktop, Dishwasher, Dryer, Electric Water Heater, ENERGY STAR Qualified Appliances, Water Filtration System, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories: Two
Garage: 5 spaces · 26x30 · 780 sqft
Parking features: Attached Garage, Detached Garage, Asphalt, Floor Drain, Finished Garage, Garage Door Opener, Insulated Garage, Multiple Garages, RV Access/Parking
Patio & porch: Deck, Patio
Exterior features: Block, Wood
Other structures: Garage(s), Gazebo, Hot Tub, Sauna

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 1,470 sqft
Roof: Asphalt
Year built: 1988

Utilities

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

Community & HOA

HOA: No HOA
School district: 181 - Brainerd
High school district: Brainerd

Financial & listing details

Annual tax: $3,722 (2025)
Listed: Jan 29, 2026
Days on market: 47 · 58 cumulative
Manufactured home: Yes

Interior details

Total bathrooms5

Full baths3

3/4 baths2

Half baths0

1/4 baths0

BasementBlock, Finished, Full, Walkout

HeatingDual Fuel/Off Peak, Forced Air, Fireplace(s)

CoolingCentral Air

Fireplaces2

LaundryIn Basement, Electric Dryer Hookup, Lower Level, Laundry Room, Sink

AppliancesCooktop, Dishwasher, Dryer, Electric Water Heater, ENERGY STAR Qualified Appliances, Water Filtration System, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningEat In Kitchen, Informal Dining Room, Kitchen/Dining Room

AmenitiesBalcony, Ceiling Fan(s), Deck, Hot Tub, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Paneled Doors, Panoramic View, Sauna, Security Lights, Boat Slip, Tile Floors, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Exterior & lot

ExteriorBlock, Wood

RoofAsphalt

FoundationBlock

Foundation area1,470 sqft

Patio/porchDeck, Patio

Road frontagePrivate Road

Road responsibilityPrivate Maintained Road

ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible, Drilled, Private, Well

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

FuelElectric, Wood

Parking & garage

ParkingAttached Garage, Detached Garage, Asphalt, Floor Drain, Finished Garage, Garage Door Opener, Insulated Garage, Multiple Garages, RV Access/Parking

Garage spaces5

Garage size780 sqft

Financial details

Annual taxes$3,722

Tax year2025

Taxes w/ assessments3722

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District181 - Brainerd

District number181

District phone2184546900

High schoolBrainerd

SODL flat fee brokerage

$17,370Estimated buyer credit

SODL platform fee $3,000Your buyer credit $17,370

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

$4,105/mo

Principal & interest$3,568

Property taxes$310

Home insurance (est.)$226

Down payment

$135,800

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.