See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

11245 E Steamboat Bay Dr, East Gull Lake, MN, 56401

7beds
6baths
5,503sqft
$3,995,000
$726price/sqft
$25,574/moest. monthly cost
$1,022,960/yrincome needed

About This Home

Welcome to Your Stunning New Lake Home on Highly Sought After Steamboat Bay on Prestigious Gull Lake. Enjoy this Lakeside Chalet with your 116' of perfect shoreline with excellent elevation, sand bottom plus ripped wrapped shoreline and a permanent piling dock with stunning Steamboat Bay Views and don't forget the beautiful Sunsets! Step into this 7 bedroom / 6 bath Gull Lake Chalet Home which was built with you in mind, from the moment you walk thru the full glass front door, with the main floor 10' ceilings and you enter the living area and peer out to the wall of glass overlooking the bay, this main floor living area has white oak nickel gap ceilings, enjoy the stunning views from the living area and the cozy custom fireplace, head into the custom kitchen with center island, custom cabinets, top of the line appliances and a walk in pantry. This kitchen is a chef's dream! Enjoy your pure water views from the wall of windows in the dining area or grab a drink at the wet bar and head out to your patio and enjoy the beautiful sunsets. Your main floor owners suite has white oak ceilings and a wall of windows overlooking the fantastic bay, plus don't miss the walk in closet with a custom closet system and laundry. Don't forget the owners bath with beautiful soaking tub with a wall of glass to take in the stunning lake views, dual sinks, a dream walk in shower plus a private linen cabinet and make up area. The private owners suite is an area you just won't want to leave. This main floor wraps up with a 1/2 bath, locker area and a fantastic walk in closet to complete this area. Don't forget the insulated and heated garage with 16' of patio doors over looking the lake, plus a staircase that leads you to the lower level, the garage is set up as a flex space, hang out and take in the lake views or use it as a garage your option. Let's head up to the stunning family room with vaulted white oak nickel gap ceilings, wet bar, beautiful custom fireplace and floor to ceiling windows to enjoy the lake views and catch the sunsets or turn around and a wall of windows greets you looking out at the beautiful bluff, beauty no matter which way your facing. 24' of patio doors open up to a stunning covered porch overlooking the bay, grab a drink from your wet bar and take in the sunsets or just enjoy the beauty of the bay. 4 bedrooms on this level 3 with stunning lake views and 1 with a beautiful view of your bluff. 2 bedrooms are ensuites and there is also a J and J full bath on this level as well. A large laundry room complete this level. Let's head down to the lowest level which has a perfect sized family room, media room or home gym you decide, a great wet bar plus 2 bedrooms and full bath with full lookout windows to enjoy the lake view. A large storage/mechanical room that has a staircase leading up to your garage, this will be perfect for storing lake toys in the off season. This home offers so much; main and upper laundry rooms, white oak and enamel cabinets, custom enamel trim, Hardie Board siding, hard surface driveway, fully landscaped plus so much more. Don't forget the piling dock with boat slips and a sitting area. This 3+ acre lot allows for room on top of the bluff to build a garage with living quarters above. Located on the coveted East Gull Lake walking/golf trail, renowned golf courses, fine dining and all that the Brainerd Lakes area has to offer. Come take a look!!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
Forestview Middle SchoolGrades 5-85.9 mi
9/10
7/10
Baxter Elementary SchoolGrades PK-46.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Electric Water Heater,Exhaust Fan,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level,Sink,Upper Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Drain Tiled,Egress Window(s),Finished,Full,Storage Space,Sump Basket,Sump Pump,Tile Shower

Bedroom

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Bedroom2

  • Level: Upper
  • Area: 196
  • Dimensions: 14x14

Bedroom3

  • Level: Upper
  • Area: 196
  • Dimensions: 14x14

Bedroom4

  • Level: Lower
  • Area: 110
  • Dimensions: 10x11

Bedroom5

  • Level: Second
  • Area: 228
  • Dimensions: 12x19

Bedroom6

  • Level: Lower
  • Area: 143
  • Dimensions: 11x13

Bedroom6

  • Level: Lower
  • Area: 143
  • Dimensions: 11x13

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 6
  • Full bathrooms: 3
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 288
  • Dimensions: 16x18

Family Room

  • Level: Lower
  • Area: 340
  • Dimensions: 17x20

Family Room

  • Level: Upper
  • Area: 819
  • Dimensions: 21x39

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,664
  • Finished area above ground: 3,839

Foyer

  • Level: Main
  • Area: 64
  • Dimensions: 8x8

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,503
  • Total interior livable area: 5,503 sqft

Kitchen

  • Level: Main
  • Area: 240
  • Dimensions: 15x16

Laundry

  • Level: Upper
  • Area: 81
  • Dimensions: 9x9

Living Room

  • Level: Second
  • Area: 320
  • Dimensions: 16x20

Media Room

  • Level: Lower
  • Area: 288
  • Dimensions: 16x18

Mud Room

  • Level: Main
  • Area: 60
  • Dimensions: 6x10

Other

  • Level: Main
  • Area: 84
  • Dimensions: 7x12

Porch

  • Level: Upper
  • Area: 416
  • Dimensions: 16x26

Storage

  • Level: Lower
  • Area: 480
  • Dimensions: 20x24

Storage

  • Level: Lower
  • Area: 96
  • Dimensions: 6x16

Walk In Closet

  • Level: Main
  • Area: 80
  • Dimensions: 8x10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 870291116
  • Zoning description: Residential-Single Family
  • Foundation area: 1664

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Patio
  • Has view: Yes
  • View description: Lake,Panoramic,West
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake View,Lake Bottom(Sand,Excellent Sand)
  • Frontage length: Water Frontage: 116

Lot

  • Lot size: 3.37 Acres
  • Features: Irregular Lot,Tree Coverage - Medium
  • Lot size dimensions: Getting

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway - Other Surface,Floor Drain,Garage,Garage Door Opener,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters in Cass County and Minnesota

Flood
Severe Storm
Straight Line Winds

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

MonthlyAnnual
Mortgage $20,200$242,400
Home Insurance *$3,046$36,552
Property Taxes $1,864$22,368
Electricity $464$5,569
Total$25,574$306,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$876,822/yr
40% on housing$767,220/yr
45% on housing$681,973/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

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.

Insurance Growth Rate5-year average: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$726This listing

vs Other Active Listings

Avg $/sqft

ZIP 56401$197
Cass County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 56401$192
Cass County$210

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

No price history available

Coming Soon

AgentKraig Domogalla
BrokerageRE/MAX Results

Similar Homes