$239,900
21780 442nd Place ##210-#211Aitkin, MN 56431
Homes, condos and townhomes · MLS 11974011 · Listed 41 days ago (Sep 18, 2026)
Mille Lacs Lake · Lake or reservoir · Waterfront, relationship not specified · Waterfront details
For sale: Listed and available according to the MyStateMLS feed.
About this property
Your Mille Lacs Lake getaway is waiting! This inviting and affordable townhome-style cottage offers shared lake access, beautiful sunrise views, and an easy way to enjoy one of Minnesota's most popular lakes. Step inside to a warm, welcoming cabin atmosphere featuring beautiful knotty pine finishes and impressive panoramic lake views. All-new windows bring in abundant natural light, while crank-out skylights with solar-powered shades add even more light and fresh air. Recent updates, including LVP flooring and stylish new light fixtures, give the home a fresh, updated feel while preserving its classic Up North charm. A pellet stove adds warmth and ambiance for cozy evenings after a day on the lake. Enjoy four seasons of recreation right outside your door. Spend summer days boating and fishing on Mille Lacs, explore nearby bike and side-by-side trails, or take advantage of snowmobile routes and winter recreation when the snow arrives. This updated condo also includes a dedicated storage unit, overflow parking, and is being sold mostly furnished, making it easy to arrive, settle in, and start enjoying lake life right away. Whether you're looking for a weekend retreat or an affordable year-round escape, this is your opportunity to enjoy the Mille Lacs lifestyle without the upkeep of a traditional lake home. Special financing options may be available through local lenders. Local banks are offering 2nd home or owner occupied financing options with competitive rates for qualified buyers.
Description provided by the listing brokerage.
MLS-reported waterfront
Waterfront details
The listing reports the property as waterfront but does not say how it meets the water. Ask the listing agent whether the parcel itself adjoins the shoreline.
- Relationship to the water
- Waterfront, relationship not specified
- Water type
- Lake or reservoir
- Water body
- Mille Lacs LakeListing names this water body (matched to our registry)
- Frontage length
- Not provided. Ask the listing agent.
- Water access arrangement
- Not provided. Ask the listing agent.
- Docks, slips, lifts, moorings
- Not provided. Ask the listing agent.
- Dock depth
- Not provided. Ask the listing agent.
- Shoreline
- Not provided. Ask the listing agent.
- Seasonal or tidal conditions
- Not provided. Ask the listing agent.
- Boating limits (bridges, depth, open-water access)
- Not provided. Ask the listing agent.
Why this is listed as waterfront
WaterfrontYN“Yes”: The listing is marked waterfront.WaterfrontFeatures“Lake Front”: Includes a "… Front" value describing frontage.PropertyTypeDetail“house-attached”: Property form used to read the frontage relationship.PropertyTypeDetail“house-attached”: Attached homes can sit on a shared site, so frontage is not assumed to belong to the unit.
Classified from fields in the MyStateMLS listing data. It has not been independently verified, and it is not a survey, title examination or legal determination of shoreline or access rights. Rules version 2026-10-29.1. How we classify waterfront
Something wrong with this classification? Report a waterfront classification issue. Questions about frontage, docks or access are best answered by Diane Pogatchnik of Your Home Sold Guaranteed Realty Exclusive.
Facts
- List price
- $239,900
- Status
- For sale
- Property type
- Attached home
- Bedrooms
- 2
- Full baths
- 2
- Interior area
- 1,262 sq ft
- Year built
- 1980
- Stories
- 2
- County
- Aitkin County
- HOA / association fee
- $221 monthly
- MLS number
- 11974011
- Annual property tax (2026)
- $904
Facts are reported by the listing brokerage. Items not listed were not provided; that does not mean the property lacks them.
Features
Exterior
- Tennis Court(s)
Appliances
- Range
- Microwave
- Water Heater
- Refrigerator
Flooring
- Laminate
Heating
- Other
- Baseboard
- Electric
Construction
- Wood Siding
Roof
- Asphalt
Water
- Public (Water Source)
Sewer
- Public Sewer
Virtual tours
Location
The pin is the listing's reported coordinates and may be approximate. It is not a parcel boundary or shoreline, and no flood, wetland or hazard conclusion should be drawn from it. See more listings in Aitkin.
Price and status history
Changes observed by Waterfront Homes in MyStateMLS data since Oct 29, 2026. This is not a public-record sales history; MyStateMLS does not publish sold prices.
Estimate a monthly payment
Estimated monthly payment
$1,580 per month
An estimate for comparison only, not a loan offer or approval. Actual rates, taxes, insurance, PMI and fees depend on your lender, credit, location and loan program.
Questions to ask before you buy
Questions worth investigating for any waterfront property. They are not claims that this property has a problem or meets any condition.
- Who owns the shoreline and the land under the water, and are there easements or public-access rights along it?Ownership can stop at a high-water line, a survey line or a seawall. A title search and survey answer this, not the listing.
- Is a dock, slip, lift or mooring included, and do the rights transfer to you?Docks can be shared, leased, assigned by an association or held under a permit that does not automatically transfer.
- What permits exist for the dock, seawall or other shoreline structures, and what would new work require?Shoreline work is often regulated by local, state and federal agencies.
- How much does the water level change by season, by tide or by reservoir management?Depth at a dock in one season can differ a lot in another.
- What does flood insurance cost for this property, and what does the current flood map show?Get a quote from an insurer or agent. A flood zone is not a premium, and no zone does not mean no risk.
- What maintenance does the shoreline need (seawall, bulkhead, riprap, erosion), and what has been done recently?Shoreline structures are expensive to repair; ask for records and inspection reports.
- How are water, sewer or septic, and power provided?Waterfront septic systems and wells can have extra rules and inspections.
- How do you reach the property by road year-round, and who maintains that road?Some waterfront roads are private, seasonal or shared.
- What local rules apply: rentals, docks, boat lifts, fences, tree removal, setbacks?Rules come from the town, county, state, lake authority or association and vary widely.
Printable due-diligence checklist · Ownership budget planner · FEMA Flood Map Service Center (official flood maps; look up the address yourself)
Guides and next steps
Listing courtesy of Your Home Sold Guaranteed Realty Exclusive. Listing agent: Diane Pogatchnik. Listings provided by MyStateMLS.
Listing last updated by the brokerage Oct 23, 2026, 1:56 PM UTC. Waterfront Homes last received MyStateMLS data Oct 29, 2026, 10:01 PM UTC. Information is deemed reliable but not guaranteed; verify all details with the listing agent.