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 $6,352 (2026).

What school district is this property in?

This property is in the 97 - Moose Lake 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 0 days.

No photos available

Listed at

$1,150,000

$326/sqft

92598 Spells Road

92598 Spells Road, Sturgeon Lake, MN, 55783

3 Bedrooms3 Bathrooms3,529 Square Feet2.9 Acres

Days on market0

Year built2010

Garage spaces3

TypeResidential

Est. $31,500buyer credit when you buy with SODL

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About this home

Discover this gorgeous Island Lake home set on 2.9 acres with 220 feet of lakefront. Thoughtfully designed with 3+ bedrooms, 3 bathrooms, and over 3,500 square feet, the home features an attached three-car garage, spacious primary suite with private bath, jacuzzi tub, tiled walk-in shower, and generous closet. The open main level includes a beautiful kitchen with island, convenient laundry, expansive windows, and a wraparound deck perfect for outdoor living. The walkout basement offers two bedrooms, a full bath, family room, recreation room, and finished patio. Enjoy stunning views from nearly every room. Contact an agent today for more details!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2010

LevelsOne

Living area3,529 sqft

Above-grade finished1,846 sqft

Below-grade finished1,683 sqft

Lot size2.9 acres (irr)

Days on market0

ListedOct 1, 2026

MLS #NST7153686

CountyPine

Parcel #0330330002

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air, Fireplace(s), Geothermal, In-Floor Heating
Cooling: Geothermal
Appliances: Microwave, Range, Refrigerator, Tankless Water Heater, Wall Oven, Washer

Property

Levels / stories: One
Garage: 3 spaces · 32x38 · 1,112 sqft
Parking features: Attached Garage, Electric, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Composite Decking, Covered, Deck, Front Porch, Patio, Wrap Around
Exterior features: Cement Board
View: Lake, North, Panoramic

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: ICFs (Insulated Concrete Forms) · 1,846 sqft
Roof: Age Over 8 Years, Architectural Shingle
Year built: 2010

Utilities

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

Community & HOA

HOA: No HOA
School district: 97 - Moose Lake
High school district: Moose Lake

Financial & listing details

Annual tax: $6,352 (2026)
Tax with assessments: 6364
Listed: Oct 1, 2026
Days on market: 0
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementEgress Window(s), Finished, Full, Walkout

HeatingForced Air, Fireplace(s), Geothermal, In-Floor Heating

CoolingGeothermal

Fireplaces1

LaundryLaundry Room, Main Level

AppliancesMicrowave, Range, Refrigerator, Tankless Water Heater, Wall Oven, Washer

DiningLiving/Dining Room

AmenitiesCeiling Fan(s), French Doors, Hardwood Floors, Kitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Porch, Panoramic View, Tile Floors, Vaulted Ceiling(s), Walk-In Closet

AccessibilityDoors 36"+, Grab Bars In Bathroom, Door Lever Handles, Partially Wheelchair

Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorCement Board

RoofAge Over 8 Years, Architectural Shingle

FoundationICFs (Insulated Concrete Forms)

Foundation area1,846 sqft

Patio/porchComposite Decking, Covered, Deck, Front Porch, Patio, Wrap Around

Lot featuresAccessible Shoreline, Island/Peninsula, Tree Coverage - Medium

Road frontagePrivate Road

Road responsibilityPrivate Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Water sourceDrilled, Private, Well

SewerPrivate Sewer

FuelElectric, Propane, Wood

Parking & garage

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

Garage spaces3

Garage size1,112 sqft

Financial details

Annual taxes$6,352

Tax year2026

Taxes w/ assessments6364

Assessment pendingYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District97 - Moose Lake

District number97

District phone2184854435

High schoolMoose Lake

SODL flat fee brokerage

$31,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $31,500

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

$6,956/mo

Principal & interest$6,044

Property taxes$529

Home insurance (est.)$383

Down payment

$230,000

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.