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

New Listing
$549,000
Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 2,160 Lot Size (sq. ft.): 21,344 Status: Coming Soon
Current Price: $549,000 List Date: 4/21/2026 Last Modified: 4/21/2026

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 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 fully finished 800 sq. ft. 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! Professional photos coming Thursday, April 23rd.

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 Present
Yes
Year Built
1970
Yearly/Seasonal
Yearly
Zoning
Shoreline, Residential-Single Family
Bath Full
Yes
Bath Three Quarters
Yes
Main Floor Total SqFt
1080
Above Grd Total SqFt
1080
Below Grd Total SqFt
1080
Total SqFt
2160
Total Finished Sqft
1830.00
FireplaceYN
No
Lake/Waterfront Name
Sandy
Style
(SF) Single Family
Foundation Size
884
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 Lake Details: Excellent Sand 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
None
Original List Price
549000
ListPrice
549000
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
1080
Finished SqFt Below Ground
750

More Information

Elevation Highpoint to Waterfront Feet

Elevation Highpoint Waterfront Feet
4-10

Lake Details

Lake Acres
64
Lake Depth
41
Excellent Sand
Yes

Lease Details

Land Leased
Not Applicable

Lock Box Type

Lock Box Source
SPAAR
Supra
Yes

Miscellaneous Information

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 fully finished 800 sq. ft. 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! Professional photos coming Thursday, April 23rd.
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

Lake/Waterfront

Dock
Yes
Lake Front
Yes

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

Three Season Porch Dimensions: 15x11 Level: Lower Deck Dimensions: 15.5x13.5 Level: Main Dining Room Dimensions: 12x15.5 Level: Main Family Room Dimensions: 12x10 Level: Lower First (1st) Bedroom Dimensions: 14x11.5 Level: Main Guest House Dimensions: 26x31 Level: Upper Kitchen Dimensions: 17.5x10 Living Room Dimensions: 15.5x13.5 Level: Main Mud Room Dimensions: 10x6.5 Level: Main Office Dimensions: 9.5x11 Level: Lower Recreation Room Dimensions: 20x13.5 Level: Lower Second (2nd) Bedroom Dimensions: 12x11 Level: Main
Listing Office: LPT Realty, LLC
IDX
Last Updated: April - 21 - 2026
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