Lori Gustafson

20705 W Toad Lake Drive

Osage, MN
$ 1,080,000 Beds 2 Baths 3 Sq 1,142 Virtual Tour
Monthly Estimate* How much can I afford?

Rare Toad Lake legacy opportunity featuring expansive 390(A) feet of pristine shoreline on crystal-clear waters with direct borders to newly acquired state land, ensuring permanent privacy and exclusive access to future recreational opportunities. This exceptional 3.1-acre compound offers immediate family enjoyment with unlimited potential for generational wealth building. The established compound features two fully appointed lakefront cabins, each with full kitchens, baths, and wood-burning fireplaces. The impressive 32' x 52' (A) heated workshop/garage with in-floor heating, full utilities, laundry, 3/4 bath, and storage provides endless possibilities for collections, recreation, or staff quarters. Multiple private docks, hilltop observation deck with panoramic lake views, and guest bunkhouse create the perfect retreat. Mature woodland setting offers complete seclusion while remaining just 18 miles from Detroit Lakes amenities. The adjacent MN state land is to be run as a wildlife management area with public access. Combined with the deep, rocky bottom lake makes for great fishing and hunting. Nearby airports include FGO, MSP, and DL (for smaller planes). Exceptional building sites throughout the property allow for custom estate home construction while preserving existing structures for staff, guests, or multi-generational family use. Formerly Toad Mountain Ranch with rich heritage, this investment offers permanent state land buffer ensuring no future development, combined with rare large-acreage lakefront availability in a premium recreational market. The combination of substantial shoreline, state land borders, and established infrastructure creates a once-in-a-lifetime opportunity for families seeking a private compound with legacy potential. Serious inquiries only. Proof of funds required.

Single Family

  • Price
  • $ 1,080,000
  • City
  • Osage
  • Bedrooms
  • 2
  • Full Bathrooms
  • 3
  • County
  • BECKER
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 3.1 Acres
  • Zip
  • 56570
  • Sqr Footage
  • 1,142
  • Year Built
  • 1960
  • Taxes
  • $ 5516
  • Style
  • Single Family
  • MLS#
  • 7112850
Listed By: Horizon Real Estate Group
Data Source: Northstar MLS (NSTAR)

Features

General

Living Area 1142
Sewer Septic System Compliant - Yes
Heating Baseboard,Fireplace(s),In-Floor Heating
Cooling Wall Unit(s)
Roof Shake
Appliances Cooktop,Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
Garage Spaces 6
Year Built 1960
View East
Topography High Ground,Level,Rolling,Walkout,Wooded
Levels One
Property Subtype Single Family
Tax Year 2025
Waterfront Features Lake Front
Accessibility None
County Becker
New Construction No
Property Type Residential
HOA No
Contingency None
Other Structures Bunk House
Directions East on 34 from DL,turn South on W Toad Lake Dr.
City Osage
High School District Frazee-Vergas
Zoning Description Agriculture
Lot Size Units Acres
Property Attached Y/N No
Land Lease Y/N No
Tax Annual Amount 5516
Additional Parcels Y/N No
Virtual Tour https://wellcomemat.com/embed/5gj9748f79f11mnt2?mls=1
Standard Status Active
Lender Owned No
PostalCity Osage

Interior Features

Basement None
Total Fireplaces 2
Fireplace Features Full Masonry,Wood Burning
Basement (Y/N) No
Fireplace Y/N Yes
Above Grade Finished Area 1142
3/4 Baths 3
Laundry Features In Garage
Total Bedrooms 2
Total Baths 3
Bath Desc Main Floor 3/4 Bath
Fuel Electric
Garage Dimensions 32x52
Garage Door Width 7
Garage Square Feet 1576

Exterior Features

Parking Features Detached Garage,Gravel
Lot Features Accessible Shoreline,Irregular Lot,Property Adjoins Public Land,Tree Coverage - Medium
Water Source Well
Lot Size Area 3.1
Building Area Total 1142
Lot Dimensions Irregular
Waterfront Y/N Yes
Foundation Area 1142

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Faribault, MN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

7/25/2026 Listed $1,200,000
9/12/2026 10% - $1,080,000

Property vs Zip Code Average in 56570

Price
AVG $610K
$1.08M
Taxes
AVG $3,169
$5,516
Year Built
AVG 1979
1960
Visits
AVG 59
21
Data Provided by Inside Real Estate®

Areas That We Cover

20705 W Toad Lake Drive Osage, MN is a Single Family Home for sale at $1080000 with 1142 sqft and a lot size of 3.1 Acres Acre(s). 20705 W Toad Lake Drive Osage has 2 bedrooms, 3 baths and was built in 1960. The property's zip code is 56570 which is in Osage, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Lori Gustafson

Lori Gustafson

Broker Associate/Sales Agent

507-323-4348

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