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28615 99 1/2 Street NW, Zimmerman, MN 55398

$519,000

Lake life paradise- Kayak, boating, fishing, paddleboarding, s'more making, and thats just summer! Cross country skiing, ice fishing, snowmobiling and sledding in the winter!

Granite countertops, hardwood cabinets and stainless appliances in the kitchen!

Great flow throughout the home! And check out the view from the kitchen.

Sandy lake dinette, a great place for morning coffee or a game of cards with a view!

Right off the living room is this amazing sun room/dining area with views from every window!

Enormous deck providing views of the sunset !

LVT and tile to provide a "no worry" approach to lake life.

Patio and 3 season porch off of the walk out lower level!

Come on in and relax in the 3 season porch. Views in every direction. Room for dining or relaxing.

Watch the game or a movie with the lake breeze in your 3 season porch!

This family room area, could easily be converted to another bedroom and it has a full window that looks out the the lake!

Lower level bath with a shower, convenient for running in from the lake!

Non-conforming bedroom or office or workout room adjacent to the bathroom.

Detached garage with finished living space above.

Bonus living space above the garage with beautiful LVT and a view of the lake. This finished space is not added to finished living space on the listing. Add heat and plumbing to make it the perfect guest suite!

Sandy lake bonus space above the garage, good sized bedroom!

2 stall garage with extra storage space, just steps from the house.

Desirable neighborhood on this clear spring fed lake close to the twin cities.

Evenings around the firepit, yes please!

Ready for fishing, boating, kayaking and paddleboarding!

Whether its a cabin or full time lake life you are looking for, you can't go wrong here!

Every day is a vacation when you live on the lake!

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 2,318 Lot Size (sq. ft.): 21,344 Status: Active

Current Price: $519,000 List Date: 6/15/2026 Last Modified: 6/22/2026

Overview

Description

Year-Round Crystal-Clear Living on Sandy Lake! Rare Opportunity on Sherburne County’s Premier Spring-Fed Gem Experience the unmatched clarity of Sandy Lake in this versatile walkout rambler. Known for its pristine, spring-fed waters, this lake is a true four-season playground. Whether you are cruising around the lake on your pontoon in July, launching a kayak from your private dock in September or cross-country skiing across the lake in January, this property offers the ultimate Minnesota lakefront lifestyle. Main Level: Views & Modern Comfort The heart of the home is a large, updated kitchen featuring sleek granite countertops and stainless steel appliances, perfect for prepping lake-day snacks or hosting holiday dinners. The main floor also hosts two comfortable bedrooms and a full bath, all flowing into a spectacular living room, sunroom and 4 season porch—your front-row seat to loon calls and golden sunsets. The Lower Level: Flexibility & Growth The walkout lower level curren ... (Read more) Year-Round Crystal-Clear Living on Sandy Lake! Rare Opportunity on Sherburne County’s Premier Spring-Fed Gem Experience the unmatched clarity of Sandy Lake in this versatile walkout rambler. Known for its pristine, spring-fed waters, this lake is a true four-season playground. Whether you are cruising around the lake on your pontoon in July, launching a kayak from your private dock in September or cross-country skiing across the lake in January, this property offers the ultimate Minnesota lakefront lifestyle. Main Level: Views & Modern Comfort The heart of the home is a large, updated kitchen featuring sleek granite countertops and stainless steel appliances, perfect for prepping lake-day snacks or hosting holiday dinners. The main floor also hosts two comfortable bedrooms and a full bath, all flowing into a spectacular living room, sunroom and 4 season porch—your front-row seat to loon calls and golden sunsets. The Lower Level: Flexibility & Growth The walkout lower level currently hosts a large rec room with pool table, a quiet office (non-conforming 3rd bedroom), a cozy family room(a wall could easily be added to convert to a 4th bedroom),making this a perfect fit for growing needs or hosting weekend guests. A 3 season porch with electric fireplace, lounging and dining options, complete with a wine fridge,this is lake living at its best! The "X-Factor" Bonus Space Above the detached garage, discover a finished 800 sq. ft.(not included as finished square feet on the listing totals) loft. Currently used as expansive living space, this is primed to become a premier guest suite, studio, or office with the simple addition of heat and plumbing. Outdoor Paradise: Entertaining Deck: Oversized and ready for summer BBQs. Gentle elevation to the Lakefront: Features a patio, firepit area, and a lake platform. Private Dock: Ready for your boat! Updates & Features: 2 BR / 2 BA (with easy 3rd & 4th BR potential) Large Kitchen with Granite & Stainless Steel Walkout Rambler Design Multiple sun rooms& porches with lake views Detached Garage with 800 Sq Ft Finished Loft Spring-Fed, Clear Water Clarity South facing the lake for sunrise and sunset views Don’t miss your chance to own on one of the cleanest lakes in the county—schedule your private tour today!

Listing Details MLS# 7039924

General Property Information

Assoc Mgmt Co. Phone #: 612-203-8447
Association Fee Frequency: Annually
Association Mgmt Co. Name: My Sandy Lake Association
Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Road Btwn WF & Home?: No
Waterfront Frontage: 152
Waterfront YN: Yes
Year Built: 1970
Yearly/Seasonal: Yearly
Zoning: Shoreline, Residential-Single Family
Bath Full: Yes
Bath Three Quarters: Yes
Main Floor Total SqFt: 1238
Above Grd Total SqFt: 1238
Below Grd Total SqFt: 1080
Total SqFt: 2318
Total Finished Sqft: 2133.00
FireplaceYN: No
Lake/Waterfront Name: Sandy
Style: (SF) Single Family
Foundation Size: 895
Association Fee: 30
Garage Stalls: 2
Lot Dimensions: 193x154x145x22x36x17x54x23
Acres: 0.49
Assessment Pending: No
Number of Fireplaces: 0
Bath Half: 0
Bath Quarter: 0

Property Features

Accessible: Grab Bars In Bathroom Air Conditioning: Window Unit(s) Appliances: Dishwasher; Dryer; Freezer; Microwave; Range; Refrigerator; Washer; Wine Cooler Association Fee Includes: Other Basement: Concrete Block; Partially Finished; Storage Space Bath Description: Main Floor Full Bath; 3/4 Basement Construction Materials: Block; Frame Construction Status: Previously Owned Dining Room Description: Informal Dining Room Electric: Circuit Breakers Elevation Highpoint to Waterfront Slope: Gradual Exterior: Vinyl Family Room Characteristics: Lower Level Fireplace Characteristics: Electric Foundation: Concrete Block Fuel: Natural Gas Heating: Forced Air; Space Heater; Wood Stove Laundry: Electric Dryer Hookup; Laundry Room; Lower Level; Washer Hookup Lock Box Type: Supra Lot Description: Accessible Shoreline Outbuildings: Guest House Parking Characteristics: Garage Door Opener Pool Description: None Road Frontage: City Street Road Responsibility: Public Maintained Road Roof: Age Over 8 Years; Asphalt Shingles Sellers Terms: Cash; Conventional; FHA; VA Sewer: Tank with Drainage Field Special Search: Main Floor Primary Stories: One Water: Drilled; Well Waterfront View: Lake; Panoramic; South

Contract Information

Contingency: Sale of Another Property
Original List Price: 549000
ListPrice: 519000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 28615
Street Name: 99 1/2
Street Suffix: Street
Street Direction Suffix: NW
Postal City: Zimmerman
County: Sherburne
State: MN
Zip Code: 55398
Complex/Dev/Subdivision: Whispering Oaks

Assessments

Tax With Assessments: 2486
Assessment Balance: 0

Building Information

Finished SqFt Above Ground: 1238
Finished SqFt Below Ground: 895

More Information

Elevation Highpoint to Waterfront Feet

Elevation Highpoint Waterfront Feet: 4-10

Lake Details

Lake Acres: 64
Lake Depth: 41

Lease Details

Land Leased: Not Applicable

Lock Box Type

Lock Box Source: SPAAR
Supra: Yes

Miscellaneous Information

DP Resource: Yes
Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 26.31
Garage Square Feet: 806
Garage Door Opener: Yes

Public Survey Info

Range#: 26
Section#: 25
Township#: 35

Office/Member Info

Association: SPAAR

Location, Tax and Other Information

AssocFeeYN: Yes
Legal Description: LOTS 1 & 2, BLK 1 & PT OF VACATED ROAD AS DESC IN DOC # 193594
Listing City: Zimmerman
Map Page: 250
Municipality: Baldwin Twp
School District: Princeton
School District Phone: 763-389-2422
DNR Lake ID#: 71004000
DNR Lake Classification: Recreational Development
Zip Plus 4: 8506
Property ID Number: 01004110110
Tax Year: 2025
Tax Amount: 2486
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: Year-Round Crystal-Clear Living on Sandy Lake! Rare Opportunity on Sherburne County’s Premier Spring-Fed Gem Experience the unmatched clarity of Sandy Lake in this versatile walkout rambler. Known for its pristine, spring-fed waters, this lake is a true four-season playground. Whether you are cruising around the lake on your pontoon in July, launching a kayak from your private dock in September or cross-country skiing across the lake in January, this property offers the ultimate Minnesota lakefront lifestyle. Main Level: Views & Modern Comfort The heart of the home is a large, updated kitchen featuring sleek granite countertops and stainless steel appliances, perfect for prepping lake-day snacks or hosting holiday dinners. The main floor also hosts two comfortable bedrooms and a full bath, all flowing into a spectacular living room, sunroom and 4 season porch—your front-row seat to loon calls and golden sunsets. The Lower Level: Flexibility & Growth The walkout lower level currently hosts a large rec room with pool table, a quiet office (non-conforming 3rd bedroom), a cozy family room(a wall could easily be added to convert to a 4th bedroom),making this a perfect fit for growing needs or hosting weekend guests. A 3 season porch with electric fireplace, lounging and dining options, complete with a wine fridge,this is lake living at its best! The "X-Factor" Bonus Space Above the detached garage, discover a finished 800 sq. ft.(not included as finished square feet on the listing totals) loft. Currently used as expansive living space, this is primed to become a premier guest suite, studio, or office with the simple addition of heat and plumbing. Outdoor Paradise: Entertaining Deck: Oversized and ready for summer BBQs. Gentle elevation to the Lakefront: Features a patio, firepit area, and a lake platform. Private Dock: Ready for your boat! Updates & Features: 2 BR / 2 BA (with easy 3rd & 4th BR potential) Large Kitchen with Granite & Stainless Steel Walkout Rambler Design Multiple sun rooms& porches with lake views Detached Garage with 800 Sq Ft Finished Loft Spring-Fed, Clear Water Clarity South facing the lake for sunrise and sunset views Don’t miss your chance to own on one of the cleanest lakes in the county—schedule your private tour today!
Directions: Hwy 169 North, right on 245th Ave, Left onto 104th St NW, Right onto 289th Ave NW, Right onto 100th St NW, Left onto 287th Ave NW, Right onto 99-1/2 St NW, home on left.

Accessible

Grab Bars In Bathroom: Yes

Air Conditioning

Window Unit(s): Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Freezer: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Washer: Yes
Wine Cooler: Yes

Association Fee Includes

Other: Yes

Basement

Concrete Block: Yes
Partially Finished: Yes
Storage Space: Yes

Bath Description

Main Floor Full Bath: Yes
3/4 Basement: Yes

Construction Materials

Block: Yes
Frame: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Informal Dining Room: Yes

Electric

Circuit Breakers: Yes

Elevation Highpoint to Waterfront Slope

Gradual: Yes

Exterior

Vinyl: Yes

Family Room Characteristics

Lower Level: Yes

Fireplace Characteristics

Electric: Yes

Foundation

Concrete Block: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes
Space Heater: Yes
Wood Stove: Yes

Insurance Fee

Insurance Fee: 0

Laundry

Electric Dryer Hookup: Yes
Laundry Room: Yes
Lower Level: Yes
Washer Hookup: Yes

Lot Description

Accessible Shoreline: Yes

Outbuildings

Guest House: Yes

Patio, Porch and Deck Features

Deck: Yes
Patio: Yes
Porch: Yes

Pool Description

None: Yes

Road Frontage

City Street: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Age Over 8 Years: Yes
Asphalt Shingles: Yes

Sellers Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Sewer

Tank with Drainage Field: Yes

Special Search

Main Floor Primary: Yes

Stories

One: Yes

Water

Drilled: Yes
Well: Yes

Waterfront View

Lake: Yes
Panoramic: Yes
South: Yes

Room Information

Room Name	Dimensions	Level
Three Season Porch	15x11	Lower
Deck	15.5x13.5	Main
Dining Room	12x15.5	Main
Family Room	12x10	Lower
First (1st) Bedroom	14x11.5	Main
Guest House	26x31	Upper
Kitchen	17.5x10
Living Room	15.5x13.5	Main
Mud Room	10x6.5	Main
Office	9.5x11	Lower
Recreation Room	20x13.5	Lower
Second (2nd) Bedroom	12x11	Main

Documents

28615 99-1:2 septic compliance.pdf ›

Listing Office: LPT Realty, LLC

Last Updated: June - 22 - 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.