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13001 Twilight Rd , Onamia, MN 56359

$2,895,500

Est. Payment: $14,475.57/mo

4 Bed

3 Bath

4791 Sqft

Status: pending | Days on site: 67

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VCR-C15903466 - VCR-C159091383,VCR-C159052275

House Description

Thoughtfully presenting, Stone House on the Lake, a timepiece estate and carriage house sitting on 1.76 acres, with more than 400 feet of shoreline on Mille Lacs Lake. The amount of history and craftsmanship that went into creating this estate, is so phenomenal and rare to find. The home's stone exterior was hand-masoned from stones pulled up from the lake itself. From the 100+ "heart" stones that were carefully hidden around the exterior, to the history of this property being the very first off-site bank record storage location during the Cold War, featuring 3' thick solid foundation walls, bomb-proof hidden vault, and gun-proof windows in the basement - now turned wine cellar - this estate has such rich character. This property features an expansive, structurally engineered lakeside patio and fire-pit that are designed to host many guests, events, and withstand the beauty of the lake's powerful waves. If you're looking for an iconic home, or a commercial/rental opportunity, this gem of a home comes with an established commercial Airbnb and VRBO business presence, and lengthy 5-star reviewed guest book. This home has hosted weddings, anniversaries, and award-winning tournament fishing teams/families. Inside features that you won't be able to replicate include: vaulted and hand-carved beam ceilings, original stone fireplaces, original restored French windows, original pegged oak hardwood floors, high-end commercial-grade kitchen appliances, French doors, and custom finishes that were curated across the world. The primary suite is its own entire haven - featuring its own wood-burning fireplace, and an absolutely jaw-dropping ensuite bathroom that leads you through to a private workout or flex room, and primary laundry. Cozy up in the family cabin room, spread out in the upper level bunk room, or host events in the many outdoor gardens. The carriage house or guest house works perfect as an office or studio with a bathroom, gathering spaces on two levels, laundry, an extra garage space and garden storage. This separate additional dwelling unit offers potential for it's new owner to have onsite home or health care, rental income, or just an additional space for entertaining guests during their stays. The attached oversized attached 3-car garage is perfect for storing cars, boats, and toys. Mille Lacs is not only one of Minnesota's largest lakes with 132,500-acres, stocked with the trophy-size fish, and has a history of hosting renowned fishing tournaments and people who travel nationwide to compete and spend both winters and summers here. Bassmaster named Mille Lacs Lake in their top 10 calling it a “small mouth paradise”. Walleye, muskie and northern pike are also on their top species category. This is the type of home that stays passed down within your family for many generations, and doesn't come available to the market. The current owners have taken pride in how much love, care, and restoration has gone into this property over the past 40+ years. This is a once in a lifetime opportunity, a once in a lifetime estate, and truly one of the most special pieces of history that cannot be replicated in Minnesota.

Highlights

Listed by Lauren Janoski , 651-675-9900 Coldwell Banker Realty , 651-426-1671. Minneapolis/St. Paul and St. Cloud - Northstar MLS

Property Type

Residential

Lot/Acreage

1.76

Year Built

1935

County

Mille Lacs

School District

Onamia

Listing ID

7043606

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Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:3
▪ Full Bathrooms:2
▪ 3/4 Bathrooms:1

Appliances:Air-To-Air Exchanger, Dishwasher, Dryer, Electric Water Heater, ENERGY STAR Qualified Appliances, Exhaust Fan, Freezer, Fuel Tank - Owned, Humidifier, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned, Wine Cooler

Air Cond:Central Air

Fireplaces:Brick,Family Room,Full Masonry,Living Room,Primary Bedroom,Stone,Wood Burning

Above Ground Sq Ft:4292

Below Ground Sq Ft:499

Basement:Daylight/Lookout Windows,Egress Window(s),Finished,Full,Concrete,Storage/Locker,Storage Space,Sump Basket,Sump Pump,Walkout

Other:Ceiling Fan(s),Deck,Dock,Exercise Room,French Doors,Hardwood Floors,Kitchen Center Island,Kitchen Window,Primary Bedroom Walk-In Closet,Natural Woodwork,Patio,Paneled Doors,Panoramic View,Security System,Tile Floors,Vaulted Ceiling(s),Washer/Dryer Hookup,Walk-In Closet,Two Primary Baths,Double Sink,Bathroom Ensuite,Full Primary,His and Her Closets,Hollywood Bath,Private Primary,Main Floor 3/4 Bath,Separate Tub & Shower,Steam Shower,Upper Level Full Bath,Walk-In Shower Stall,Breakfast Bar,Eat In Kitchen,Informal Dining Room,2nd Floor Laundry,Divided Bdr Flr Plan,Main Floor Bedroom,Primary Bdr Suite

Other:Well

Exterior Features

Lot:Lake Front,Accessible Shoreline,Irregular Lot,Tree Coverage - Light,Waterfront

Lot Dimensions:See Parcel Map

Zoning:Residential-Single Family

Roof:Age 8 Years or Less,Architectural Shingle,Pitched

Sewer:Septic System Compliant - Yes

Parking Features:Attached Garage,Detached Garage,Concrete,Floor Drain,Garage Door Opener,Multiple Garages,Storage

Payment Calculator

Payment Breakdown

Principal Interest

$14,476

Taxes

$751

Home Price

$2,895,500

Home Price

Loan Details

30 yrs

6.391%

Interest Rate

Loan Type

Down Payment

20%

$579,100

Down Payment

Down Payment %

All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Monthly Price:

$14,475.57

Principal

Taxes

	Principal	Taxes	HOA	Total
Monthly	$14,475.57	$751.17	$0.00	$15,226.74
Yearly	$173,706.86	$9,014.00	$0.00	$182,720.86
Total	$5,211,205.66	$270,420.00	$0.00	$5,481,625.66

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Market insight data is pulled from the same city as the listing being viewed (Onamia, MN).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Hatch Brokered by Real | Real Brokerage LLC | PLACE are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers.
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Data last updated: 2026-07-23T02:17:07.000Z

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