Active
2 beds1,056 sqft
20986 Cross Lake Rd, Pine City, MN 55063
Est: $1,379/moGet pre-approved
Single FamilyProperty Type
0.51 acresLot Size
1989Year Built
$221/sq ftPrice per sq ft

Description

Nestled in the woods, this charming 2-bedroom, 1-bath cabin offers a peaceful escape surrounded by nature. Enjoy cozy cabin living with the perfect blend of comfort and rustic charm. Mature trees surround the property, while three decks and a patio create inviting spaces to relax, gather, and enjoy nature. Enjoy evenings around the fire pit under the stars, and in winter, access the snowmobile trail system without trailering. Deed lake access is conveniently located right across the street offering...Nestled in the woods, this charming 2-bedroom, 1-bath cabin offers a peaceful escape surrounded by nature. Enjoy cozy cabin living with the perfect blend of comfort and rustic charm. Mature trees surround the property, while three decks and a patio create inviting spaces to relax, gather, and enjoy nature. Enjoy evenings around the fire pit under the stars, and in winter, access the snowmobile trail system without trailering. Deed lake access is conveniently located right across the street offering boating, fishing, swimming, and endless outdoor adventure. Just a short getaway from the Twin Cities, this is the perfect retreat to relax, reconnect, and enjoy the lake life!

Listing Agents

  1. Clarissa A Lobo

    Clarissa A Lobo

    Listing Agent

    Coldwell Banker Realty

    P: (952) 844-6000

    M: (952) 220-6832

  2. NSTRaziaAkhtar

    NSTRaziaAkhtar

    Alternative Listing Agent

    Coldwell Banker Realty

    P: (952) 844-6000

    M: (612) 414-6024

Days on Market Listed Today
Last updated: 10/01/2026 05:07 PM • Source: NorthStar, MLS#: 7153545

Location

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$1,379 per month

30 year fixed, 7.03% Interest

Principal and Interest

$1,249

Property Taxes

$131

HOA Dues

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Property Information for 20986 Cross Lake Road

Property Details
  • Taxes: $1,566 / year
  • MLS Type: Residential / Single Family
  • County: Pine County
  • Subdivision Name: North Shore
  • Waterfront Features: Deeded Access, Dock
  • Waterfront YN: No
  • Zoning Jurisdiction: Residential-Single Family
Building Information
  • Year Built: 1989
  • Lot Size: 0.51 AC / 22,215 SF
Summary
Location and General Information
  • City Name: Pine City
  • County Or Parish: Pine
  • County: Pine-MN
  • Directions: 35 W North to the first Pine City exit. Turn right at top of the ramp. Take a left on St. Croix Scenic Byway and then your fist right onto 8th Ave SE. Turn right onto St. Croix Rd SE which turns into Cross Lake Road. Cabin will be on the right.
  • Latitude: 45.882169
  • Longitude: -92.91831
  • Nbr of Acres: 925
  • Lake Bottom: Gravel, Rocky, Sand
  • Lake Name: General Development
  • PLAT: 30
  • Map Coordinate: 999-A1
  • City and Location: Pine City
  • City and Location Text: Pine City(MN)
  • Postal Code: 55063
  • State Or Province: MN
  • Public Survey Township: 39
  • Waterfront Property YN: Yes
  • Water Body Name: Cross
  • Waterfront Footage: 58011900
Taxes and HOA Information
  • Additional Parcels: No
  • Association Fee: $.00
  • Association: No
  • Parcel Number: 0085242000
  • Tax Annual Amount: $1,566.00
  • Tax Legal Description: SECT-12 TWP-039 RANGE-021 NORTH SHORE LOT-003 BLOCK-001 & UND 1/34 INT IN OUTLOT B, NORWAY POINT 3RD ADD MICRO #486377-378,559333
  • Tax Other Annual Assessment Amount: $.00
  • Tax Year: 2025
  • Tax With Assessments: 1566
School Information
  • High School District: 578 - Pine City
  • School District Number: 578
  • School District Phone: 3206294010
Property
Lot Information
  • Above Grade Fin SQFT: 1056.0
  • Below Grade Fin SQFT: 0.0
  • SQFT Total: 1056.0
  • Living Area Units: Square Feet
  • Lot Size Area: 0.51
  • Lot Size Dimensions: irregular
  • Lot Size Units: Acres
  • Other Structures: Storage Shed
  • Present Use: Yearly
  • Property Attached: No
  • Property Sub Type: Single Family
  • Property Type: Residential
  • SQFT Main Total: 1056
  • Building Area Total: 1056.0
  • Above Grade SqFt Total: 1056
  • Below Grade SqFt Total: 0
Utilities
  • Electric: 100 Amp Service
  • Sewer: City Sewer/Connected
  • Water Source: Well
Interior and Exterior Features
Exterior Features
  • Accessibility Features: None
  • Exterior Features: Cedar
  • Foundation Area: 1052.0
  • Foundation Details: Concrete Perimeter
  • Fuel: Electric,Propane
  • Road Frontage Type: City Street
  • Roof: Age 8 Years or Less
Interior Features
  • Appliances: Gas Water Heater, Microwave, Range, Refrigerator
  • Basement Type: None
  • Amenities Unit: Deck,Dock,Hardwood Floors,Kitchen Window,Main Floor Primary Bedroom,Natural Woodwork,Porch,Boat Slip,Walk-In Closet
  • Bath Desc: Main Floor 1/2 Bath
  • Bathrooms Full: 0
  • Bathrooms Half: 0
  • Bathrooms One Quarter: 0
  • Bathrooms Three Quarter: 1
  • Bathrooms Total Count: 1
  • Bedrooms Total: 2
  • Fireplace Features: Gas, Living Room
  • Fireplaces Total: 1
  • FireplaceYN: Yes
  • Cooling: None
  • Dining Room Description: Eat In Kitchen,Kitchen/Dining Room
  • Garage Square Feet: 0
  • Heating: Boiler, Fireplace(s), Space Heater
  • Levels: One
  • Room List: Deck, Family Room, Bedroom, Foyer, Kitchen, Living Room, Bedroom 2, Storage
  • Basement YN: No
Room Information
Room 1
  • Room Dimensions: 14x10
  • Room Level: Main
  • Room Type: Deck
Room 2
  • Room Dimensions: 12x9
  • Room Level: Main
  • Room Type: Family Room
Room 3
  • Room Dimensions: 8x11
  • Room Level: Main
  • Room Type: Bedroom
Room 4
  • Room Dimensions: 5x7
  • Room Level: Main
  • Room Type: Foyer
Room 5
  • Room Dimensions: 8x9
  • Room Level: Main
  • Room Type: Kitchen
Room 6
  • Room Dimensions: 20x15
  • Room Level: Main
  • Room Type: Living Room
Room 7
  • Room Dimensions: 8.4x10
  • Room Level: Main
  • Room Type: Bedroom 2
Room 8
  • Room Dimensions: 11x6
  • Room Level: Main
  • Room Type: Storage

Property History for 20986 Cross Lake Road

DateEvent & SourcePriceAppreciation
Oct 1, 2026

Price Change

NorthStar #7153545

$233,900—
Oct 1, 2026

Listed (Active)

NorthStar #7153545

—
Sep 16, 2026

Off Market

NorthStar #7098794

—
DateEvent & SourcePrice
10/01/2026

Price Change

NorthStar #7153545

$233,900
10/01/2026

Listed (Active)

NorthStar #7153545

—
09/16/2026

Off Market

NorthStar #7098794

—

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 20986 Cross Lake Road

Taxable ValueLand$59,300Additions$146,100Total$205,400
Tax Record2025$1,510 ($126 / month)
Home Facts
Beds2Baths1Total Finished SqFt968 SqFtAbove Grade Finished SqFt968 SqFtStories1Lot Size22,477 SqFtStyleSingle Family ResidenceYear Built1989Year Renovated1997CountyPINEAPN08.5242.000

Schools near 20986 Cross Lake Road

This home is within Pine City Public School District.
Rating
School
Type
Grades
Distance
Public - PK to 6
Public - 7 to 12
Public - 9 to 12
Public - 6 to 8
Rating
School
Distance
Pine City Elementary School
PublicPK to 6

Pine City Secondary
Public7 to 12

Pine City Area Learning Center
Public9 to 12

Online Academy Middle
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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20986 Cross Lake Road is a single family home for sale in Pine City, MN 55063. This property was listed for sale on October 1, 2026 by Coldwell Banker Realty, it's currently listed at $233,900. It has been on the market for a total of 82 days and was last sold on January 15, 2021. This listing's school district is Pine City Public School District. Nearby schools include Pine City Elementary School, Pine City Secondary and Pine City Area Learning Center. 20986 Cross Lake Road is a 2-bed, 1-bath, 1,056 sqft single family home built in 1989.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Based on information submitted to the MLS GRID as of 10/01/2026 05:07 PM. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Properties displayed may be listed or sold by various participants in the MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. Use of the MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS of the Member Participant, if any, and as amended from time to time.