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 $3,485 (2026).

What school district is this property in?

This property is in the 480 - Onamia school district.

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 38 days.

Listed at

$384,900

$275/sqft

Izatys

9696 Winona Way, Onamia, MN, 56359

3 Bedrooms1 Bathroom1,400 Square Feet0.362 Acres

Days on market38

Year built1968

Garage spaces2

TypeResidential

Est. $8,547buyer credit when you buy with SODL

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About this home

Wake up to sweeping water views on the shores of Mille Lacs Lake, a premier destination known for exceptional year-round fishing. This charming 3-bedroom, 1-bath home offers the perfect blend of comfort and lakefront living, complete with your own private dock for effortless days on the water. Inside, the single-level layout feels warm and inviting, highlighted by a cozy wood-burning fireplace—perfect for relaxing after a day outdoors. Step outside to the patio to unwind, entertain, and take in the peaceful lake views. Recent updates add peace of mind, including a new roof in 2022 and a new furnace and central A/C installed in 2020. Outdoor enthusiasts will appreciate being just minutes from Mille Lacs Kathio State Park, offering scenic trails, wildlife, and year-round recreation. Or, take a short stroll to the community beach—perfect for putting your toes in the sand, building sandcastles, and soaking up the lakeside atmosphere. A spacious garage provides ample storage for boats, ATVs, and all your recreational gear. Currently operating as a successful short-term rental and being sold fully furnished, this property presents a turnkey opportunity for investors, vacation home buyers, or anyone looking to enjoy lake life at its finest. Don't let this one get away!!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1968

LevelsOne

Living area1,400 sqft

Above-grade finished1,400 sqft

Below-grade finished0 sqft

Lot size0.362 acres (100x150x16x40)

Days on market38

ListedApr 27, 2026

MLS #NST7063273

CountyMille Lacs

SubdivisionIzatys

Parcel #174000710

Facts & features

Interior

Bedrooms: 3
Bathrooms: 1
Bath breakdown: 1 full
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 24x38 · 912 sqft
Parking features: Detached Garage, Concrete
Patio & porch: Patio
Exterior features: Vinyl
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Slab · 1,400 sqft
Roof: Asphalt
Year built: 1968

Utilities

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

Community & HOA

Subdivision: Izatys
HOA: No HOA
School district: 480 - Onamia
High school district: Onamia

Financial & listing details

Annual tax: $3,485 (2026)
Tax with assessments: 3500
Listed: Apr 27, 2026
Days on market: 38 · 14 cumulative
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths1

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryMain Level

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer

DiningKitchen/Dining Room

AmenitiesDock, Kitchen Window, Natural Woodwork, Patio, Vaulted Ceiling(s)

AccessibilityNo Stairs External, No Stairs Internal

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorVinyl

RoofAsphalt

FoundationSlab

Foundation area1,400 sqft

Patio/porchPatio

Lot featuresCorner Lot, Tree Coverage - Medium

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerSeptic System Compliant - Yes

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete

Garage spaces2

Garage size912 sqft

Financial details

Annual taxes$3,485

Tax year2026

Taxes w/ assessments3500

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District480 - Onamia

District number480

District phone3205324174

High schoolOnamia

SODL flat fee brokerage

$8,547Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,547

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

$2,442/mo

Principal & interest$2,023

Property taxes$290

Home insurance (est.)$128

Down payment

$76,980

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.