About This Home

This 3-bedroom, 3-bathroom single family at 37951 State Highway 18 in Aitkin, MN is listed for $699,900 ($262 per sqft). Built in 1979, the home offers 2,676 sqft of living space on a 0.90 acres lot.

Key Features

  • Built in 1979
  • 0.90 acre lot
  • Fireplace
  • Waterfront

Property Details

3 full
1979

Amenities

FireplaceWaterfrontViewHardwood
Listing Description

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.

Monthly Cost Estimate

$3,743/mo

20% down · 6.5% · 30 years

Principal$506
Interest$3,033
Insurance$204

Estimates only. Actual payments may vary.

Location

37951 State Highway 18

Aitkin, MN 56431

Features & Amenities

Interior Features

Walk-In Closet(s)Entrance FoyerMaster Downstairs

Exterior Features

DockGenerator

Property Details

Flooring

HardwoodMarbleLaminate

Views

WaterLake

Outdoor Features

Patio

Parking

Driveway

Heating

Propane (Heating)RadiantHot Water(Heating)Baseboard

Questions & Answers

This 3-bedroom, 3-bathroom single family at 37951 State Highway 18 is listed at $699,900 ($262/sqft). The estimated monthly payment is $3,743 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1979, 0.90 acre lot, Fireplace, Waterfront. Interior Features: Walk-In Closet(s), Entrance Foyer, Master Downstairs. Exterior Features: Dock, Generator.

This property is listed by Chris Ashmore and can be reached at 2182098749.

CA

Chris Ashmore

Agent at MN Real Estate Services, LLC

(218) 209-8749

Listed by MN Real Estate Services, LLC · Broker phone: 2182098749 · View on Broker Site

MLS# 11922630· Source: My State MLS· 71 days on PropertySimple

Copyright © 2026 My State MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

37951 State Highway 18, Aitkin, MN 56431

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