Listed at
$574,900
$229/sqft

Private Lake Estates

8051 Big Chip Trail, Garfield, MN, 56332
4  Bedrooms3  Bathrooms2,512  Square Feet2.67  Acres
Days on market69
Year built1998
Garage spaces2
HOA / month$45
TypeResidential
Est. $14,247buyer credit when you buy with SODL
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About this home

Private Lake...Private Lifestyle...A Rare Opportunity, Where Every Day Feels Like a Weekend.. Discover one of Douglas County's hidden gems in Private Lake Estates, where approximately 200 feet of level sandy shoreline and nearly 2.7 beautifully landscaped acres create an exceptional lakefront retreat. This unique private lake offers approximately 40 acres of woods across the lake with shared ownership, providing peaceful surroundings, outstanding fishing, swimming, kayaking, and a lifestyle that is becoming increasingly difficult to find. Designed to embrace the lake, this spacious 4-bedroom, 3-bath walkout rambler offers approximately 2,512 finished square feet with beautiful water views. The updated kitchen features abundant cabinetry, stainless appliances, generous workspace, and flows seamlessly into inviting living and dining areas designed for gathering with family and friends. A lakeside four-season porch, spacious deck, and walkout lower level extend your living space while capturing the beauty of every season. Outside, the gently sloping lawn leads to an inviting sandy beach and private dock where days are spent swimming, fishing, boating, or simply relaxing by the water's edge. A standout feature is the impressive 1,400+ square foot heated attached garage with dedicated workshop space and its own deck space, ideal for storing lake toys, vehicles, recreational equipment, or pursuing hobbies year-round. An additional storage shed provides even more room for seasonal equipment and outdoor gear. Whether you're searching for a year-round residence or the perfect lake getaway, this property offers a rare combination of privacy, recreation, and space just minutes from Alexandria. Experience lake living the way it was meant to be.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1998
LevelsOne
Living area2,512 sqft
Above-grade finished1,412 sqft
Below-grade finished1,100 sqft
Lot size2.67 acres (200 460 200 595)
Days on market69
ListedJul 21, 2026
MLS #NST7112903
CountyDouglas
SubdivisionPrivate Lake Estates
Parcel #240196070

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Dual Fuel/Off Peak, Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Fuel Tank - Rented, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
2 spaces · 32 x 50 x 17x 12 x 38 · 1,420 sqft
Parking features
Attached Garage, Gravel, Concrete, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Storage
Patio & porch
Deck, Front Porch, Patio, Porch
Exterior features
Vinyl
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 1,412 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1998

Utilities

Water
Drilled, Private, Well
Sewer
Private Sewer
Fuel
Electric, Propane
Electric
200+ Amp Service

Community & HOA

Subdivision
Private Lake Estates
HOA
$45/annual
HOA name
Private Lakes Estates
HOA phone
3205551212
HOA includes
Other
School district
206 - Alexandria

Financial & listing details

Annual tax
$3,670 (2026)
Listed
Jul 21, 2026
Days on market
69
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Finished, Partially Finished, Storage Space, Walkout
HeatingDual Fuel/Off Peak, Forced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
LaundryMain Level
AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Fuel Tank - Rented, Range, Refrigerator, Washer, Water Softener Owned
DiningKitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Dock, Patio, Porch, Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorVinyl
RoofAge Over 8 Years, Asphalt
FoundationBlock
Foundation area1,412 sqft
Patio/porchDeck, Front Porch, Patio, Porch
Lot featuresAccessible Shoreline, Tree Coverage - Medium
Road frontageCounty Road, Township
Road responsibilityPublic Maintained Road
ZoningShoreline,Residential-Single Family

Utilities

Water sourceDrilled, Private, Well
SewerPrivate Sewer
FuelElectric, Propane

Parking & garage

ParkingAttached Garage, Gravel, Concrete, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Storage
Garage spaces2
Garage size1,420 sqft

Financial details

Annual taxes$3,670
Tax year2026
Taxes w/ assessments3670
Assessment pendingNo
HOA fee$45
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District206 - Alexandria
District number206
District phone3207622141
High schoolAlexandria
SODL flat fee brokerage
$14,247Estimated buyer credit
SODL platform fee $3,000Your buyer credit $14,247

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

$3,564/mo
Principal & interest$3,021
Property taxes$306
Home insurance (est.)$192
HOA fees$45
%
$114,980
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

8051 Big Chip Trail, Garfield, MN, 56332

Listing information

MLS #NST7112903
StatusActive
Last updatedSep 8, 2026, 6:36 PM
Originally listedJul 21, 2026, 7:43 PM
Listing officeRandy Fischer Real Estate, Inc

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.