11389 E Steamboat Bay Rd, Brainerd, MN, 56401
About This Home
There are a handful of properties on Gull Lake where the setting does the talking. This is one of them. Panoramic north and west lake and sunset views frame this ~3,700 sq. ft. new-construction retreat with 5 bedrooms and 6 baths. Enjoy an exceptional location on Steamboat Bay of Gull Lake. Designed for year-round comfort, the build quality is deliberate and features 2x6 construction, insulated interior walls and floors, a concrete block foundation, and a heated garage with radiant in-floor heat extended into key bath areas. Inside enjoy multiple primary suites, heated tile floors, high-end kitchen appliances, three fireplaces for inviting gathering spaces, and a fully finished walk-out lower level with its own living space. A full smart home system integrates lighting, thermostats and security cameras with app/Alexa control with geofencing so the home is ready when you arrive. Engineered LP siding with stone-look accents, concrete edging, and granite landscape features compliment the lakefront setting with approximately 150 feet of Gull Lake frontage with excellent sand bottom. A private well with water softener, city sewer, and Minnesota Power electric complete this thoughtfully crafted modern lake home. Walk, bike or use a golf cart to connect to the amenities of the south end of Gull Lake using the current trail system. Step into the lifestyle you’ve been waiting for and discover the opportunity to make this exceptional home your own.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Roof: Metal,Pitched
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer,Water Softener Owned,Wine Cooler
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Block
Bedroom
- Level: Upper
- Area: 512
- Dimensions: 32 x 16
Bedroom2
- Level: Upper
- Area: 129.1111
- Dimensions: 13'10 x 9'4
Bedroom3
- Level: Upper
- Area: 175
- Dimensions: 11'8 x 15
Bedroom4
- Level: Upper
- Area: 145.1667
- Dimensions: 13 x 11'2
Bedroom5
- Level: Upper
- Area: 136.5
- Dimensions: 13 x 10'6
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 6
- Full bathrooms: 2
- 3/4 bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 143
- Dimensions: 11 x 13
Family Room
- Level: Upper
- Area: 242.2778
- Dimensions: 14'10 x 16'4
Family Room
- Level: Lower
- Area: 552
- Dimensions: 23 x 24
Features
- Number of fireplaces: 3
- Fireplace features: Electric,Family Room,Gas,Living Room,Primary Bedroom
- Fireplace: Yes
- Finished area below ground: 660
- Finished area above ground: 3,080
Heating & Cooling
- Heating features: Boiler,Forced Air,In-Floor Heating,Radiant
- Cooling features: Central Air
Interior Area
- Total structure area: 3,740
- Total interior livable area: 3,740 sqft
Kitchen
- Level: Main
- Area: 229.5
- Dimensions: 17 x 13'6
Living Room
- Level: Main
- Area: 204
- Dimensions: 17 x 12
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 870291406
- Zoning description: Shoreline,Residential-Single Family
- Foundation area: 1616
Features
- Levels: Two
- Stories: 2
- Has view: Yes
- View description: Lake,North,Panoramic,West
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(26-40),Lake Bottom(Excellent Sand)
- Frontage length: Water Frontage: 150
Lot
- Lot size: 0.70 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 150 x 229 x 126 x 207
Parking
- Total spaces: 3
- Parking features: Attached,Asphalt,Floor Drain,Garage,Garage Door Opener,Heated Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Winter Weather
- Inland Flooding
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Cass 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 | $15,169 | $182,028 |
| Home Insurance * | $2,287 | $27,444 |
| Property Taxes | $1,758 | $21,096 |
| Electricity | $315 | $3,785 |
| Total | $19,529 | $234,348 |
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 |
|---|---|---|
| 2026-05-22 | Listed for sale | $3,000,000 |
| 2025-04-11 | Sold | $1,050,000 |
| 2025-03-11 | Pending sale | $1,050,000 |
| 2025-03-01 | Listed for sale | $1,050,000 |
| 2024-09-10 | Listing removed | $1,230,000 |
| 2024-07-26 | Listed for sale | $1,295,000 |
New Construction
View on Zillow