Listed at
$650,000
$846/sqft

Whispering Sands

45565 Whispering Sands Ln, Perham, MN, 56573
3  Bedrooms2  Bathrooms768  Square Feet0.47  Acres
Days on market67
Year built1976
ParkingGravel
TypeResidential
Est. $16,500buyer credit when you buy with SODL
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About this home

WALK-OUT LOT ON BIG PINE LAKE! This Lakefront Retreat offers a Perfectly Level 0.47-Acre Lot, 100 ft. of Sandy Frontage, and unforgettable Sunsets just 10 minutes from Perham. Tucked away at the end of a dead-end road, the Lot is surrounded by Mature Trees and bordered by Matz Creek along the northwest, creating a rare mixture of seclusion, natural beauty, and easy lakefront living. The property features two Fully Finished Homes with a combined 1,440 SqFt of living space, offering Excellent Flexibility for guests, entertaining, or future Rental Potential. The Primary Home captures the classic Lake Cabin Feel with 768 SqFt, 2 Beds, 1 Bath, and a Lakeside Deck perfectly positioned to take in breathtaking Northwest-Facing Sunsets over the water. Just steps away, the 672 SqFt Guest Cabin adds Modern Simplicity with a spacious Living Room, Full Bath, Wet Bar, and Large Bunk Room, an ideal setup for hosting family & friends after long days on the lake. With two finished living areas, a Level Walk-Out Shoreline, Sunset Views, and Flexible Guest Accommodations, this property offers exciting potential as an addition to a Vacation Rental Portfolio. Whether you’re looking for a Year-Round Home, Seasonal Lake Retreat, or Investment Opportunity, this Lakefront Setting is sure to impress!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1976
LevelsOne
Living area768 sqft
Above-grade finished768 sqft
Below-grade finished0 sqft
Lot size0.47 acres (112 x 187 x 100 x 165)
Days on market67
ListedJul 23, 2026
MLS #NST7111730
CountyOtter Tail
SubdivisionWhispering Sands
Parcel #52000990474000

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
2 full
Heating
Ductless Mini-Split
Cooling
Ductless Mini-Split
Appliances
Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
25 X 27 · 672 sqft
Parking features
Gravel, Concrete
Patio & porch
Deck, Patio, Porch
Exterior features
Stone, Vinyl
Other structures
Guest House, Second Residence, Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 768 sqft
Roof
Asphalt
Year built
1976

Utilities

Water
Drilled, Private, Well
Sewer
Mound Septic, Private Sewer, Septic System Compliant - Yes
Fuel
Electric

Community & HOA

Subdivision
Whispering Sands
HOA
No HOA
School district
549 - Perham-Dent
High school district
Perham-Dent

Financial & listing details

Annual tax
$3,320.24 (2026)
Tax with assessments
3494
Listed
Jul 23, 2026
Days on market
67
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths2
3/4 baths0
Half baths0
1/4 baths0
BasementCrawl Space
HeatingDuctless Mini-Split
CoolingDuctless Mini-Split
LaundryLaundry Closet, Main Level
AppliancesDryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningInformal Dining Room, Kitchen/Dining Room
AmenitiesDeck, Dock, Hardwood Floors, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Patio, Panoramic View
AccessibilityNo Stairs Internal
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorStone, Vinyl
RoofAsphalt
FoundationBlock
Foundation area768 sqft
Patio/porchDeck, Patio, Porch
Lot featuresAccessible Shoreline, Corner Lot, Tree Coverage - Light
Road frontageCounty Road, No Outlet/Dead End, Township
Road responsibilityPublic Maintained Road
ZoningShoreline,Residential-Single Family

Utilities

Water sourceDrilled, Private, Well
SewerMound Septic, Private Sewer, Septic System Compliant - Yes
FuelElectric

Parking & garage

ParkingGravel, Concrete
Garage spaces0
Garage size672 sqft

Financial details

Annual taxes$3,320.24
Tax year2026
Taxes w/ assessments3494
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District549 - Perham-Dent
District number549
District phone2183464501
High schoolPerham-Dent
SODL flat fee brokerage
$16,500Estimated buyer credit
SODL platform fee $3,000Your buyer credit $16,500

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

$3,909/mo
Principal & interest$3,416
Property taxes$277
Home insurance (est.)$217
%
$130,000
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

45565 Whispering Sands Ln, Perham, MN, 56573

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Listing information

MLS #NST7111730
StatusActive
Last updatedAug 27, 2026, 10:48 AM
Originally listedJul 23, 2026, 7:44 PM
Listing officeJack Chivers Realty
Co-listing officeJack Chivers 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.