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 $2,469 (2024).

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 371 days.

No photos available

Listed at

$439,900

$262/sqft

Birch Ridge

48111 E Pine Lake Road, Pine Lake Twp, MN, 56644

3 Bedrooms2 Bathrooms1,676 Square Feet0.45 Acres

Days on market371

Year built2001

Garage spaces2

TypeResidential

Est. $10,197buyer credit when you buy with SODL

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About this home

Welcome to your private Pine Lake retreat. This one-level, south-facing lake home was built in 2001 and sits on an incredible lot with 85 feet of sandy shoreline, perfect for swimming, relaxing, and soaking in the views. Inside, you'll find an open concept layout filled with natural light, a spacious primary suite, and a cozy den with a walkout to the lakefront deck. Custom metal siding, geothermal heating, and a newer split A/C unit provide comfort and efficiency year-round. The 30x40 garage and shop is a dream, complete with heat, a dedicated work area, and plenty of storage. Whether you're seeking a year-round home or the ultimate getaway, this is one of the best lakefront opportunities around.

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built2001

LevelsOne

Living area1,676 sqft

Above-grade finished1,676 sqft

Below-grade finished0 sqft

Lot size0.45 acres (Irregular)

Days on market371

ListedSep 22, 2025

MLS #NST6792974

CountyClearwater

SubdivisionBirch Ridge

Parcel #163010170

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 2 full
Heating: Geothermal
Cooling: Wall Unit(s)
Basement: None · 0 sqft finished

Property

Levels / stories: One
Garage: 2 spaces
Parking features: Attached Garage
Waterfront: Lake Front
Lot size: 0.45 acres
Lot dimensions: Irregular

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Other
Foundation: 1 sqft
Year built: 2001

Utilities

Water: Well
Sewer: Septic System Compliant - Yes

Community & HOA

Subdivision: Birch Ridge
HOA: No HOA
School district: Clearbrook-Gonvick

Financial & listing details

Annual tax: $2,469 (2024)
Tax with assessments: 2658.0000
Listed: Sep 22, 2025
Days on market: 371 · 17 cumulative

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingGeothermal

CoolingWall Unit(s)

Fireplaces1

AccessibilityNone

Exterior & lot

Foundation area1 sqft

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerSeptic System Compliant - Yes

Parking & garage

ParkingAttached Garage

Garage spaces2

Garage size0 sqft

Financial details

Annual taxes$2,469

Tax year2024

Taxes w/ assessments2658.0000

Assessment pendingUnknown

Down payment resourceY

Lender ownedNot disclosed

Short saleNo

ForeclosureNo

Schools

District number2311

District phone218-776-3112

High schoolClearbrook-Gonvick

SODL flat fee brokerage

$10,197Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,197

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.

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

$2,664/mo

Principal & interest$2,312

Property taxes$206

Home insurance (est.)$147

Down payment

$87,980

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.