Nestled among whispering pines just blocks from the sparkling shores of Mille Lacs Lake, this cozy single-level retreat captures the heart of northern living. Picture yourself curled up beside the fireplace as the first snow drifts past the window, the scent of pine and woodsmoke filling the air while the world outside grows still and quiet. In spring, soft sunlight filters through the trees as fawns wander the yard and the call of loons echoes across the lake. Every season here feels like a postcard. This two-bedroom, one-bath home offers comfort, charm, and a rare connection to nature. The private wooded lot gives you space to breathe, unwind, and gather around a campfire with friends under a canopy of stars. Just a few short blocks away, residents have access to a private neighborhood boat ramp, making it easy to spend your days fishing, boating, or watching the sunset dance across the water, with no association or fees required. Miles of four-wheeling and snowmobile trails are nearby, along with incredible hunting grounds and golf courses. Spend your weekends exploring the beauty of Father Hennepin and Kathio State Parks, where tall pines meet sandy beaches and quiet hiking paths. The attached garage adds convenience, the newer roof brings peace of mind, and the included home warranty protects your investment. Whether you come for the wildlife, the water, or the warmth of the fireside glow, this is a place where memories are made and life feels beautifully simple.
Single-familyProperty Type
1980Year Built
1 acresLot Size
2 car garageParking
Listed by Victoria Litteral• Your Home Sold Guaranteed Realty Exclusive
All Living Facilities on One Level,Main Floor Primary,Main Floor Bedroom,Main Floor Laundry
Fireplace Information
Has Fireplace
# of Fireplaces: 1
Fireplace Features: Brick, Living Room, Wood Burning
Heating & Cooling
Heating Information: Forced Air, Fireplace(s)
Cooling Information: Central Air
Interior Features
Appliances: Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned
Exterior
Building Information
Construction Materials: Block, Frame
Foundation Area: 1,572
Roof: Age 8 Years or Less, Asphalt
Exterior Features
Patio Porch Type: Deck
Fencing: None
Pool Information
Pool Features: None
Property Information
Above Ground Total Sq. Ft.: 1,084
FractionalOwnershipYN: No
Property Type: Residential
Property Sub Type: Single Family Residence
Accessibility Features: No Stairs External
Above Grade Finished Area: 1,084
Amenities: Deck
Lot Information
Lot Features: Tree Coverage - Medium
Lot Size Area: 0.998
Lot Size Units: Acres
Lot Size Dimensions: 435x100x434x100
Road Frontage Type: City Street, Paved Streets
Road Responsibility: Public Maintained Road
Financial
Assessment Information
Other Annual Assessment Amount: $15
Tax Information
Tax Annual Amount: $1,643
Tax Year: 2025
Tax With Assessments: $1,658
Utilities
Utility Information
Water Source: Drilled, Private, Well
Electric: Circuit Breakers
Sewer: Private Sewer, Septic System Compliant - No, Tank with Drainage Field
Fuel: Natural Gas
Location
School Information
High School District: Onamia
School District Number: 1792
School District Phone: 3205324174
Location Information
Directions: From Garrison - Take US 169 4.1 miles, take a left onto Harbor Drive, turn left at the first cross street onto Xylophone Road - 423 feet to property on the right.
Map Coordinate: 999-A1
Public facts
Beds: —
Baths: —
Sq. Ft.: 1,066
Stories: —
Lot Size: 1 acres
Style: Single Family Residential
Year Built: —
Year Renovated: —
County: Mille Lacs County
APN: 099630260
Home facts updated by county records on Aug 10, 2026
Other
Home Information
Living Area: 1084
Living Area Units: Square Feet
Main Level Finished Area: 1084
Levels: One
Around this home
Schools
Onamia Primary School
Public PreK-2 • Assigned • 13.8mi
Onamia High School
Public 7-12 • Assigned • 13.8mi
3/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
1/10 Heat Factor
7 days above 93° expected this year, 13 days in 30 years
2/10 Wind Factor
Minor risk of severe winds over next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Garrison, MN • 56450
Average low and high temperatures (°F)
18
1
25
8
41
23
49
33
65
46
73
57
78
62
74
61
72
56
59
44
40
29
24
10
Jan
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Mar
Apr
May
Jun
Jul
Aug
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Sun exposure
In this area, properties receive around 9.8 hours in
June and 3.3 hours in December, placing it below the
U.S. average for solar exposure.
9.8 hrs
3.3 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$200,000 – $242,000
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