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For saleReduced $55,100 from $755,000

$699,900

3 beds2,676 sq ft0.9 acres

37951 State Highway 18Aitkin, MN 56431

Homes, condos and townhomes · MLS 11922630 · Listed 83 days ago (Aug 8, 2026)

12 mi straight line to No Achen Bicentennial / Tank Trails (public cross-country trails) · Ski access details

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For sale: On the market and available to show.

About this property

125 feet of level, south-facing sand shoreline on Mille Lacs Lake. That frontage is the headline, and it's the kind that rarely comes to market. This 3-bedroom, 3-bath home sits on nearly an acre with no road between the house and the water. The shoreline is gradual with a sand bottom and 4 to 10 feet of elevation, so the water is easy to get into and easy to get out of. Southern exposure means sun across the water from morning through evening, with panoramic views down 128,000 acres of one of Minnesota's premier fishing lakes. Inside, tongue-and-groove knotty pine runs throughout for genuine north-woods character. The open main level centers on a stone fireplace with lake views across the living space, and the kitchen has been fully updated with new Quartz countertops and stainless steel appliances. An updated pantry and office area sit off the main living area. The main-level primary suite includes a private porch and full bath. The lower level was completely remodeled and lives as its own space: two bedrooms, a full bath, a family room, and a wet bar with kitchenette. The waterfront setup is turnkey. A $30,000 dock system includes a newer dock section and an electric boat lift with canopy, with landscaped lakeside grounds built for gathering. Storage and workspace are covered by a 24x32 heated garage, a 12x24 building, and a 10x12 shed. The improvements are extensive and already done. New roof, steel siding, gutters, and driveway. New washer and dryer. New shed. Invisible fencing plus a newly fenced yard. Systems include in-floor heating, a whole-house Kinetico water filtration system, a 4-inch drilled well, and a backup generator on rental for reliability. Fiber optic internet supports remote work and streaming without compromise. 2,676 finished square feet. Three garage stalls. Aitkin school district. Year-round access. Mille Lacs runs 42 feet at its deepest across more than 128,000 acres, with a reputation for walleye, smallmouth, and muskie that draws anglers from well outside Minnesota, and winter ice fishing that keeps the lake busy through the cold months.

Description provided by the listing brokerage.

Ski access and nearby skiing

Why this listing is on Where2Ski: Measured distance to a ski area. It sits within 25 straight-line miles of an operating ski area's mapped entrance or base.

Nearby ski areas with straight-line distance
Ski areaTypeStraight-line distanceMeasured to
No Achen Bicentennial / Tank TrailsMN · homes near itPublic cross-country trails12 miTrailhead areaBase area (mapped point)
Larson Lake Ski TrailMN · homes near itPublic cross-country trails13 miTrailhead areaBase area (mapped point)
Mille Lacs Kathio State Park Cross-Country Ski TrailsMN · homes near itPublic cross-country trails16 miTrailhead areaBase area (mapped point)
Long Lake Conservation Center Cross-Country Ski TrailsMN · homes near itPublic cross-country trails21 miTrailhead areaBase area (mapped point)
French Rapids XC Ski Area Cross-Country Ski TrailsMN · homes near itPublic cross-country trails25 miTrailhead areaBase area (mapped point)
Northland Arboretum Cross-Country Ski TrailsMN · homes near itPublic cross-country trails28 miTrailhead areaBase area (mapped point)

Straight-line miles to each ski area's base or entrance, measured Oct 30, 2026, 6:07 PM UTC. Winter drives can take longer.

Ski access claims

The listing doesn't describe ski-in, ski-out, a short walk or a shuttle. The agent can tell you how owners get to the slopes.

Ski access is as described by the listing brokerage. Confirm trail access, easements and any pass or membership with Chris Ashmore of MN Real Estate Services, LLC.

Features for skiers

  • Fireplace (mentioned in description)

How listings qualify · Report a wrong distance or ski-access claim

Facts

List price
$699,900
Original list price
$755,000
Status
For sale
Property type
House
Bedrooms
3
Full baths
3
Interior area
2,676 sq ft
Lot size
0.9 acres
Year built
1979
County
Aitkin County
MLS number
11922630
Annual property tax (2026)
$2,420

Facts are provided by the listing brokerage.

Features

Interior

  • Walk-In Closet(s)
  • Entrance Foyer
  • Master Downstairs

Exterior

  • Dock
  • Generator

Appliances

  • Washer
  • Stainless Steel Appliance(s)
  • Range
  • Microwave
  • Water Heater
  • Refrigerator
  • Dryer
  • Dishwasher

Flooring

  • Marble
  • Laminate
  • Hardwood

Basement

  • Finished

Heating

  • Radiant
  • Hot Water
  • Baseboard
  • Propane

Parking

  • Driveway

Roof

  • Asphalt

Water

  • Well

Sewer

  • Septic Tank

Location

Pin placed from the listing's coordinates, which can be approximate. See more listings in Aitkin.

Price and status history

  • Original list price reported by the brokerage: $755,000

Changes seen in MyStateMLS data since Oct 29, 2026. Sold prices are not published.

Estimate a monthly payment

$139,980
Illustrative. Replace with a quote from your lender.
From the listing (tax year 2026). Taxes can change after a sale.
Get a quote; rates vary widely by location.
Manufactured homes on a leased lot.
Applied only while the loan is over 80% of the price. Illustrative.

Estimated monthly payment

$3,945 per month

Principal and interest$3,539
Property tax$202
Homeowners insurance$204
Loan amount$559,920
Total interest over the term$714,147

An estimate for comparison only. Actual rates, taxes, insurance, PMI and fees depend on your lender, credit, location and loan program.

Similar listings near No Achen Bicentennial / Tank Trails

The same type of property, priced $524,925 to $874,875 and a similar distance from No Achen Bicentennial / Tank Trails, newest first. See all matches

Questions to ask before you buy

Good questions for any home near the slopes.

  1. How is the property reached in winter, and who plows the road and driveway?A short straight-line distance can still mean a long or seasonal drive. Private roads, gates and mountain passes all shape winter access.
  2. Is there documented ski access from the property (trail, easement, lift), and does it transfer to a buyer?Rights to cross neighboring land or use a lift come from recorded easements and agreements, so a ski-in or ski-out description is where the question starts.
  3. Are there association, resort or club fees, and what do they cover?Some ski-area communities charge fees that cover only certain amenities, so ask what lift tickets, passes and services are included.
  4. Are there rules on renting the home short-term or long-term?Local ordinances, association covenants and deed restrictions all set rental rules, and they differ from place to place.
  5. What do heating, snow removal, winterization and utilities cost over a season?Ownership costs in snow country often run higher than the mortgage estimate suggests.
  6. For land: is there legal year-round access, and what utilities, septic and building rules apply?Seasonal roads and steep lots can limit what can be built and when it can be reached.

Printable due-diligence checklist · Ski home ownership budget

Guides and next steps

Listing courtesy of MN Real Estate Services, LLC. Listing agent: Chris Ashmore. Listings provided by MyStateMLS.

Listing updated Oct 6, 2026, 9:19 PM UTC, MyStateMLS data received Oct 30, 2026, 6:01 PM UTC. Information deemed reliable but not guaranteed.