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20986 Cross Lake Road, Pine City, MN 55063

New Listing

$248,000

Aerial View w/Property Highlighted Approx.

Property Type: Residential Bedrooms: 2 Baths: 1 Square Footage: 999 Lot Size (sq. ft.): 22,216 Status: Active

Current Price: $248,000 List Date: 6/26/2026 Last Modified: 6/29/2026

Overview

Description

Escape to your own Northwoods retreat with this cozy rustic cabin nestled on a beautifully wooded ½-acre lot with deeded access to the stunning 900+ acre Cross Lake! Surrounded by mature trees, this peaceful getaway offers the perfect balance of privacy, recreation, and small-town charm. Enjoy the outdoors from one of three decks and patios, ideal for relaxing, entertaining, or simply soaking in the tranquil setting. Fire up the cast iron grill, gather around the picnic table, and spend evenings by the fire pit under the stars. Outdoor enthusiasts will appreciate direct access to the area's snowmobile trail system—no trailering required! Whether you're boating, fishing, swimming, hiking, or enjoying winter adventures, this property puts year-round recreation right at your doorstep. Best of all, this is a turnkey property—everything you need to start enjoying cabin life immediately is included, right down to the cast iron grill and picnic table. Just bring your bags and start maki ... (Read more)

Listing Details MLS# 7098794

General Property Information

Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Road Btwn WF & Home?: Yes
Waterfront YN: No
Year Built: 1989
Yearly/Seasonal: Seasonal
Zoning: Residential-Single Family
Bath Three Quarters: Yes
Main Floor Total SqFt: 999
Above Grd Total SqFt: 999
Total SqFt: 999
Total Finished Sqft: 999.00
FireplaceYN: Yes
Lake/Waterfront Name: Cross
Style: (SF) Single Family
Foundation Size: 999
Power Company: East Central Energy
Lot Dimensions: 150x148x150x149
Acres: 0.51
Assessment Pending: No
Bath Half: 0
Bath Quarter: 0
Below Grd Total SqFt: 0
Garage Stalls: 0
Association Fee: 0

Property Features

Accessible: None Air Conditioning: None Amenities Unit: Deck; Hardwood Floors; Kitchen Window; Porch; Vaulted Ceiling(s) Appliances: Microwave; Range; Refrigerator Assumable Loan: Not Assumable Basement: None Bath Description: Main Floor 3/4 Bath Construction Materials: Concrete; Frame Construction Status: Previously Owned Dining Room Description: Informal Dining Room Electric: 100 Amp Service Elevation Highpoint to Waterfront Slope: Level Exterior: Log; Wood Family Room Characteristics: 2 or More Fencing: None Fireplace Characteristics: Gas Burning Foundation: Slab Fuel: Propane Heating: Baseboard Internet Options: None Laundry: None Lock Box Type: Combo Lot Description: Tree Coverage - Heavy Parking Characteristics: None Pool Description: None Property Subtype: Cabin Road Frontage: County Road Road Responsibility: Public Maintained Road Roof: Age Over 8 Years; Asphalt Shingles Sellers Terms: Cash; Conventional Sewer: City Sewer/Connected Special Search: All Living Facilities on One Level Stories: One Water: Drilled Waterfront Type: Deeded Access

Contract Information

Contingency: None
Original List Price: 248000
ListPrice: 248000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 20986
Street Name: Cross Lake
Street Suffix: Road
Postal City: Pine City
County: Pine
State: MN
Zip Code: 55063
Complex/Dev/Subdivision: North Shore

Assessments

Assessment Balance: 12
Tax With Assessments: 1522

Building Information

Finished SqFt Above Ground: 999

More Information

Lake Details

Lake Acres: 925
Lake Depth: 30

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

DP Resource: Yes
Homestead: No

Ownership

Fractional Ownership: No

Public Survey Info

Range#: 21
Section#: 12
Township#: 39

Office/Member Info

Association: MAAR

Location, Tax and Other Information

AssocFeeYN: No
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
Listing City: Pine City
Map Page: 999
Municipality: Pine City
School District: Pine City
School District Phone: 320-629-4010
DNR Lake ID#: 58011900
DNR Lake Classification: General Development
Zip Plus 4: 2148
Property ID Number: 0085242000
Tax Year: 2026
Tax Amount: 1510
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: Escape to your own Northwoods retreat with this cozy rustic cabin nestled on a beautifully wooded ½-acre lot with deeded access to the stunning 900+ acre Cross Lake! Surrounded by mature trees, this peaceful getaway offers the perfect balance of privacy, recreation, and small-town charm. Enjoy the outdoors from one of three decks and patios, ideal for relaxing, entertaining, or simply soaking in the tranquil setting. Fire up the cast iron grill, gather around the picnic table, and spend evenings by the fire pit under the stars. Outdoor enthusiasts will appreciate direct access to the area's snowmobile trail system—no trailering required! Whether you're boating, fishing, swimming, hiking, or enjoying winter adventures, this property puts year-round recreation right at your doorstep. Best of all, this is a turnkey property—everything you need to start enjoying cabin life immediately is included, right down to the cast iron grill and picnic table. Just bring your bags and start making memories. Conveniently located near all the amenities of a welcoming small town while offering an easy commute to the Twin Cities, this charming cabin is the perfect weekend escape, seasonal retreat, or place to create lasting memories with family and friends.
Directions: 35 W North to the first Pine City exit. Turn right at top of the ramp. Take a left on St, Crouix Scenic Byway and then your first right onto 8th Ave SE. Turn right onto St. Croix Rd SE which turns into Cross Lake Road. Cabin will be on the rt.

Accessible

None: Yes

Air Conditioning

None: Yes

Amenities Unit

Deck: Yes
Hardwood Floors: Yes
Kitchen Window: Yes
Porch: Yes
Vaulted Ceiling(s): Yes

Appliances

Microwave: Yes
Range: Yes
Refrigerator: Yes

Assumable Loan

Not Assumable: Yes

Basement

None: Yes

Bath Description

Main Floor 3/4 Bath: Yes

Construction Materials

Concrete: Yes
Frame: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Informal Dining Room: Yes

Electric

100 Amp Service: Yes

Elevation Highpoint to Waterfront Slope

Level: Yes

Exterior

Log: Yes
Wood: Yes

Family Room Characteristics

2 or More: Yes

Fencing

None: Yes

Fireplace Characteristics

Gas Burning: Yes

Foundation

Slab: Yes

Fuel

Propane: Yes

Heating

Baseboard: Yes

Insurance Fee

Insurance Fee: 0

Internet Options

None: Yes

Laundry

None: Yes

Lock Box Type

Combo: Yes

Lot Description

Tree Coverage - Heavy: Yes

Parking Characteristics

None: Yes

Patio, Porch and Deck Features

Deck: Yes
Front Porch: Yes

Pool Description

None: Yes

Property Subtype

Cabin: Yes

Road Frontage

County Road: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Age Over 8 Years: Yes
Asphalt Shingles: Yes

Sellers Terms

Cash: Yes
Conventional: Yes

Sewer

City Sewer/Connected: Yes

Special Search

All Living Facilities on One Level: Yes

Stories

One: Yes

Water

Drilled: Yes

Waterfront Type

Deeded Access: Yes

Room Information

Room Name	Dimensions	Level
Deck	6x6	Main
Family Room	20x16	Main
First (1st) Bedroom	8x11	Main
Kitchen	8x9	Main
Living Room	9x12	Main
Porch	7x10	Main
Second (2nd) Bedroom	9x10	Main

Listing Office: Century 21 Moline Realty Inc

Last Updated: June - 29 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.