Listed at
$519,900
$124/sqft

40640 County Road 128

40640 County Road 128, Deer River, MN, 56636
4  Bedrooms4  Bathrooms4,184  Square Feet17.01  Acres
Days on market363
Year built2006
Garage spaces5
TypeResidential
Est. $12,597buyer credit when you buy with SODL
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About this home

Beautiful Home on Over 17 Acres with 855 feet of Lakeshore on Steven’s Lake Nestled among the trees and sitting gracefully along the water’s edge, this spacious home offers privacy, lake views, and room to roam on just over 17 acres. With four bedrooms plus a versatile bonus room, the layout provides comfort and flexibility for today’s lifestyle. The main floor is thoughtfully designed. Here you’ll find a fabulous kitchen with breakfast bar, an eat-in dining area, and a formal dining space perfect for entertaining. The primary suite is a true retreat, featuring two walk-in closets, a jetted tub, separate shower, and dual sinks. Two additional bedrooms, a full bath, main floor laundry, and direct access to the attached 3-stall insulated and heated garage complete this level. The walkout lower level expands the living space with a large family room, a recreation room, and an additional bedroom. A fifth non-egress room offers endless possibilities as a home office, gym, or craft space. An adorable reading nook under the stairs adds charm, while a full bathroom and oversized utility room provide both convenience and functionality. Step outside to enjoy all that this property has to offer. A 40x60 pole barn with a concrete slab is ideal for storing all your toys and equipment. A Generac generator ensures peace of mind, while the expansive yard and direct lakeshore invite outdoor fun, from duck hunting, kayaking or to simply enjoy the views and wildlife. This home is not only beautiful, but also efficient. With geothermal heating and cooling, and off-peak water heater. If you’ve been searching for a property that combines privacy, lakeshore living, abundant storage, and a well-planned floor plan, look no further.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built2006
LevelsTwo
Living area4,184 sqft
Above-grade finished2,092 sqft
Below-grade finished2,092 sqft
Lot size17.01 acres (767x1253x772x844)
Days on market363
ListedSep 30, 2025
MLS #NST6796480
CountyItasca
Parcel #110134301

Facts & features

Interior

Bedrooms
4
Bathrooms
4
Bath breakdown
3 full / 1 half
Heating
Forced Air, Geothermal, In-Floor Heating
Cooling
Geothermal
Appliances
Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Stainless Steel Appliances, Tankless Water Heater, Wall Oven

Property

Levels / stories
Two
Garage
5 spaces · 34x35 · 1,200 sqft
Parking features
Attached Garage, Detached Garage, Insulated Garage
Patio & porch
Covered, Front Porch
Other structures
Chicken Coop/Barn, Pole Building
View
East

Construction

Property type
Residential
Property subtype
Single Family Residence
Construction materials
Concrete
Foundation
2,092 sqft
Roof
Metal
Year built
2006

Utilities

Water
Drilled
Sewer
Septic System Compliant - Yes
Fuel
Propane
Electric
200+ Amp Service

Community & HOA

HOA
No HOA
School district
Deer River

Financial & listing details

Annual tax
$3,801 (2025)
Tax with assessments
3882
Listed
Sep 30, 2025
Days on market
363 · 144 cumulative
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths3
3/4 baths0
Half baths1
1/4 baths0
BasementFull, Walkout
HeatingForced Air, Geothermal, In-Floor Heating
CoolingGeothermal
Fireplaces2
LaundryLaundry Room, Main Level
AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Stainless Steel Appliances, Tankless Water Heater, Wall Oven
DiningEat In Kitchen, Kitchen/Dining Room, Separate/Formal Dining Room
AccessibilityNone
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

RoofMetal
Foundation area2,092 sqft
Patio/porchCovered, Front Porch
Road frontageCounty Road
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceDrilled
SewerSeptic System Compliant - Yes
FuelPropane

Parking & garage

ParkingAttached Garage, Detached Garage, Insulated Garage
Garage spaces5
Garage size1,200 sqft

Financial details

Annual taxes$3,801
Tax year2025
Taxes w/ assessments3882
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number1407
District phone2182462420
High schoolDeer River
SODL flat fee brokerage
$12,597Estimated buyer credit
SODL platform fee $3,000Your buyer credit $12,597

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

$3,222/mo
Principal & interest$2,732
Property taxes$317
Home insurance (est.)$173
%
$103,980
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

40640 County Road 128, Deer River, MN, 56636

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Listing information

MLS #NST6796480
StatusPending
Last updatedFeb 22, 2026, 11:27 PM
Originally listedOct 1, 2025, 12:00 AM
Listing officeEDGE OF THE WILDERNESS REALTY

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.