37099 Olson Rd, Sturgeon Lake, MN, 55783
About This Home
Welcome to this stunning, year round waterfront home built in 2021; professionally designed to blend style, comfort, and functionality. Conveniently located just 1.5 hours from the Metro and 45 minutes from Duluth, the property offers the perfect mix of everyday convenience, outdoor adventure, and laid back lake living. Area activities include ATV trails, parks, golf, dining, and year round recreation. Set at the end of a private road, this maintenance free, energy efficient, post frame constructed home features expansive lake views and breathtaking sunsets from the covered patio. Inside, enjoy an open concept layout with 13 ft vaulted ceilings, large windows, in-floor heat, soapstone fireplace, and air conditioning. The custom kitchen features maple cabinetry, quartz countertops, and stainless steel appliances, while a thoughtfully designed office can be tucked away when not in use. The primary suite includes private patio access, a full en-suite bath, and walk in closet. Complete with a heated and insulated three stall garage with bonus guest space, storage sheds, RV parking, a 32-ft dock, and a pristine sandy beach, this property is ideal for entertaining and enjoying lake life to the fullest.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Previously Owned
- Year built: 2021
Materials
- Foundation: Concrete Perimeter
- Construction materials: Steel Siding,Timber/Post & Beam
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Bathroom
- Level: Main
- Area: 90
- Dimensions: 9 x 10
Bathroom
- Level: Main
- Area: 32
- Dimensions: 4 x 8
Bedroom
- Level: Main
- Area: 156
- Dimensions: 12 x 13
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bedrooms: 1
Entry Hall
- Level: Main
- Area: 63
- Dimensions: 7 x 9
Features
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,500
Heating & Cooling
- Heating features: Boiler,Fireplace(s),In Floor Heat,Propane
- Cooling features: Ductless
Interior Area
- Total interior livable area: 1,500 sqft
Kitchen
- Level: Main
- Area: 441
- Dimensions: 21 x 21
Laundry
- Level: Main
- Area: 100
- Dimensions: 10 x 10
Living Room
- Level: Main
- Area: 441
- Dimensions: 21 x 21
Master Bedroom
- Level: Main
- Area: 252
- Dimensions: 18 x 14
Property
Details
- Parcel number: 330087000
- Foundation area: 1500
Features
- On waterfront: Yes
- Waterfront features: Inland Lake,Waterfront Access(Private),Shoreline Characteristics(Sand,Shore-Beach)
- Waterbody name: Sand Lake
- Frontage length: 100
Lot
- Lot size: 0.44 Acres
- Lot size dimensions: 100 x 200
Parking
- Total spaces: 3
- Parking features: Detached,Bedroom,Heat,Insulation,Slab
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Lightning
- Hail
- Inland Flooding
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Pine County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,791 | $45,492 |
| Home Insurance * | $652 | $7,824 |
| Property Taxes | $436 | $5,232 |
| Electricity | $170 | $2,050 |
| Total | $5,049 | $60,588 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Price change | $749,900 |
| 2026-07-20 | Listed for sale | $774,900 |
| 2026-07-19 | Pending sale | $774,900 |
| 2026-07-06 | Price change | $774,900 |
| 2026-06-11 | Price change | $789,900 |
| 2026-05-02 | Listed for sale | $839,900 |
| 2025-12-01 | Listing removed | $899,900 |
| 2025-08-22 | Listed for sale | $899,900 |
| 2020-07-24 | Sold | $169,000 |
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