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 $6,530 (2026).

What school district is this property in?

This property is in the 742 - St. Cloud school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 70 days.

No photos available

Listed at

$1,100,000

$595/sqft

6440 108th Avenue

6440 108th Avenue, Clear Lake, MN, 55319

2 Bedrooms3 Bathrooms1,848 Square Feet39.86 Acres

Days on market70

Year built2020

Garage spaces3

TypeResidential

Est. $30,000buyer credit when you buy with SODL

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About this home

BE PREPARED TO FALL IN LOVE! Luxury lakeside on nearly 40 ACRES with 200' of PRIVATE SHORELINE! This executive home blends sophisticated living and outdoor adventure: a gourmet kitchen with an expansive center island, floor to ceiling stone fireplace, a private primary suite with whirlpool tub and tiled shower and gorgeous lake views from almost every room! In-floor heat warms both house and oversized 42' x 34' GARAGE. The garage doubles as an entertainer’s dream with built-in bar, A/C, and an overhead door that opens to the lake - step out through the pull-down screen onto a more than 1,000 SQFT LAKESIDE PATIO plumbed for a future wet bar or outdoor kitchen. For the outdoor enthusiast: explore miles of trails across rolling hills and enjoy the stunning VIEWS OF LILY CREEK. Property also ADJOINS PUBLIC LAND on 2 sides for additional privacy. Perfect for hunting, hiking, fishing, kayaking and year-round recreation. Rare opportunity to find ACREAGE AND LAKESHORE ALL IN ONE - a turnkey retreat where privacy, luxury and endless outdoor opportunities meet!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2020

LevelsOne

Living area1,848 sqft

Above-grade finished1,848 sqft

Below-grade finished0 sqft

Lot size39.86 acres (39.86 acres)

Days on market70

ListedMay 1, 2026

MLS #NST7063318

CountySherburne

Parcel #40000343100

Facts & features

Interior

Bedrooms: 2
Bathrooms: 3
Bath breakdown: 1 full / 1 3/4 / 1 half
Heating: Forced Air, In-Floor Heating
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 42x34 · 1,432 sqft
Parking features: Attached Garage, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Storage
Patio & porch: Front Porch, Patio
Exterior features: Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Slab · 1,848 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2020

Utilities

Water: Private, Well
Sewer: Mound Septic, Septic System Compliant - Yes
Fuel: Natural Gas

Community & HOA

HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $6,530 (2026)
Listed: May 1, 2026
Days on market: 70 · 62 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths1

Half baths1

1/4 baths0

BasementNone

HeatingForced Air, In-Floor Heating

CoolingCentral Air

Fireplaces1

LaundryMain Level

AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningBreakfast Area, Informal Dining Room, Kitchen/Dining Room, Living/Dining Room

AmenitiesKitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Paneled Doors, Porch, Vaulted Ceiling(s)

AccessibilityNo Stairs External, No Stairs Internal

Special featuresAll Living Facilities on One Level, Divided Bdr Flr Plan, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less, Asphalt

FoundationSlab

Foundation area1,848 sqft

Patio/porchFront Porch, Patio

Lot featuresAccessible Shoreline, Property Adjoins Public Land, Tree Coverage - Heavy

Road frontagePaved Streets, Township

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourcePrivate, Well

SewerMound Septic, Septic System Compliant - Yes

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Storage

Garage spaces3

Garage size1,432 sqft

Financial details

Annual taxes$6,530

Tax year2026

Taxes w/ assessments6530

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$30,000Estimated buyer credit

SODL platform fee $3,000Your buyer credit $30,000

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

$6,692/mo

Principal & interest$5,781

Property taxes$544

Home insurance (est.)$367

Down payment

$220,000

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.