Listed at
$425,000
$329/sqft

Sturgeon Island

90520 Island Loop, Sturgeon Lake, MN, 55783
3  Bedrooms1  Bathroom1,290  Square Feet0.402  Acres
Days on market59
Year built1980
Garage spaces4
TypeResidential
Est. $9,750buyer credit when you buy with SODL
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About this home

Welcome to Sturgeon Island—a unique opportunity to own 172 feet of sandy shoreline on beautiful Sturgeon Lake, approximately 1½ hours from the Twin Cities. Cross the picturesque covered bridge onto the island and follow the road to this year-round 3-bedroom, 1-bath lake home. The property offers a beautiful mix of mature trees and open lawn, giving you that up-north lake setting with plenty of usable outdoor space. The main level features three bedrooms and open-concept living space, while the walk-out lower level offers additional space and potential for future finishing. There are multiple heat sources including a wood burning stove, baseboard heat, forced air furnace, and in-floor heat in the basement. Whether you envision updating the existing home, expanding the finished living area, or simply enjoying it as your lake getaway, there are plenty of possibilities to make this property your own. From the home, a wood staircase with roughly 25 steps leads you to the lake, where approximately 172 feet of sandy Sturgeon Lake shoreline awaits. A dock and boat lift with canopy are included, and a storage building with power near the water provides convenient space for boating and lake gear. Adding to the versatility of the property is an additional lot directly across the road from the home. This spacious, level area includes a detached two-car garage and a large pole building with an insulated workshop, providing exceptional storage for boats, an RV, recreational equipment, projects, hobbies and all the toys that come with lake living. There is also a garden area and a pond behind the out buildings. Enjoy the unique atmosphere of island living without sacrificing convenience. Sturgeon Island is accessible by road across its charming covered bridge, so there's no need for a boat to reach your property. Spend your days boating, fishing, swimming and enjoying the lake, with plenty of room back at the property for everything that goes along with an active lake lifestyle. This Sturgeon Lake property offers an up-north escape within an easy drive for weekends, extended stays or year-round living. With substantial shoreline, two lots, multiple outbuildings and plenty of potential, 90520 Island Loop is ready for its next chapter.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1980
LevelsOne
Living area1,290 sqft
Above-grade finished990 sqft
Below-grade finished300 sqft
Lot size0.402 acres (103x120x172x141, 107x190x61x178)
Days on market59
ListedJul 31, 2026
MLS #NST7119221
CountyPine
SubdivisionSturgeon Island
Parcel #0335473000

Facts & features

Interior

Bedrooms
3
Bathrooms
1
Bath breakdown
1 full
Heating
Baseboard, Forced Air, In-Floor Heating, Wood Stove
Cooling
None
Appliances
Microwave, Range, Refrigerator

Property

Levels / stories
One
Garage
4 spaces · 20x22, 30x45 · 1,790 sqft
Parking features
Detached Garage, Multiple Garages, RV Access/Parking
Patio & porch
Deck
Exterior features
Wood
Other structures
Pole Building, Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 990 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1980

Utilities

Water
Well
Sewer
Holding Tank
Fuel
Electric, Propane, Wood

Community & HOA

Subdivision
Sturgeon Island
HOA
No HOA
School district
97 - Moose Lake
High school district
Moose Lake

Financial & listing details

Annual tax
$3,098 (2025)
Tax with assessments
3088
Listed
Jul 31, 2026
Days on market
59 · 642 cumulative
Manufactured home
Yes

Interior details

Total bathrooms1
Full baths1
3/4 baths0
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, In-Floor Heat, Partially Finished, Storage Space, Sump Basket, Walkout
HeatingBaseboard, Forced Air, In-Floor Heating, Wood Stove
CoolingNone
Fireplaces1
AppliancesMicrowave, Range, Refrigerator
DiningKitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Dock, Kitchen Center Island, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Porch, Vaulted Ceiling(s)
AccessibilityNone
Special features3 BR on One Level, Main Floor Bedroom

Exterior & lot

ExteriorWood
RoofAge Over 8 Years, Asphalt
FoundationBlock
Foundation area990 sqft
Patio/porchDeck
Lot featuresAccessible Shoreline, Irregular Lot, Tree Coverage - Medium
Road frontageCounty Road, Paved Streets
ZoningResidential-Single Family

Utilities

Water sourceWell
SewerHolding Tank
FuelElectric, Propane, Wood

Parking & garage

ParkingDetached Garage, Multiple Garages, RV Access/Parking
Garage spaces4
Garage size1,790 sqft

Financial details

Annual taxes$3,098
Tax year2025
Taxes w/ assessments3088
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District97 - Moose Lake
District number97
District phone2184854435
High schoolMoose Lake
SODL flat fee brokerage
$9,750Estimated buyer credit
SODL platform fee $3,000Your buyer credit $9,750

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

$2,633/mo
Principal & interest$2,234
Property taxes$258
Home insurance (est.)$142
%
$85,000
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

90520 Island Loop, Sturgeon Lake, MN, 55783

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Listing information

MLS #NST7119221
StatusActive
Last updatedSep 26, 2026, 12:37 AM
Originally listedJul 31, 2026, 3:04 PM
Listing officeFathom Realty MN, LLC
Co-listing officeFathom Realty MN, LLC

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.