Stearns Homes with Association Access Lake/Waterfront

Stearns Homes with Association Access Lake/Waterfront

Welcome to Stearns County, Minnesota, a hidden gem nestled in the heart of the Midwest, where natural beauty meets vibrant community living. Known for its stunning lakes and lush landscapes, Stearns County offers a unique blend of rural charm and modern convenience, making it an ideal place to call home.

One of the standout features of this picturesque county is its array of homes with association access to pristine lakes and waterfronts. Imagine waking up to the soothing sounds of nature, with the shimmering waters just a stone's throw away. Whether you enjoy fishing, boating, or simply relaxing by the water, these properties provide the perfect gateway to a lifestyle filled with outdoor adventures and serene moments.

Stearns County is rich in recreational opportunities, with numerous parks and trails that invite residents to explore the great outdoors. The county's vibrant communities, such as St. Cloud and Sartell, offer a plethora of dining, shopping, and entertainment options, ensuring that there's always something to do. The strong sense of community here is palpable, with friendly neighbors and local events that bring everyone together.

For families, Stearns County boasts excellent schools and a variety of family-friendly activities, making it a great place to raise children. Whether you're seeking a cozy cabin retreat or a spacious family home, the real estate options here cater to diverse tastes and lifestyles.

Discover the charm of Stearns County, where your dream home with lake or waterfront access awaits. Embrace a lifestyle that balances tranquility and community, all set against the backdrop of Minnesota's stunning natural beauty. Your perfect home is just around the corner!

Newest Stearns Homes with Association Access Lake/Waterfront

$150,000
ACTIVE Status ⋅ 7140245 MLS
Welcome to lake life on the entire Horseshoe Chain of Lakes! This charming park model offers the perfect opportunity to enjoy more than 15 connected lakes right from your own community. Located just steps from the park and community boat lifts, you can hop on your boat in minutes and spend your days boating, fishing, swimming, and exploring everything the chain has to offer.

18096 Browns Lake Road, Richmond

Listing courtesy of RE/MAX Results.

$80,000
ACTIVE Status ⋅ 7125214 MLS
Affordable ownership on the Horseshoe Chain of Lakes! This one-bedroom, one-bath trailer features an open kitchen and living area designed for easy lake living. Two sleeper sofas accommodate up to six guests, making it the perfect weekend retreat for family and friends. Own your lot and enjoy shared lake access and common grounds within this association community. The furnished 2019 Salem Villa Estate by Forest River is included in the sale, offering a move-in-ready opportunity to start enjoying the lake lifestyle right away. Relax and take in the views from the spacious three-deck setup, complete with a granite table that's perfect for outdoor dining, entertaining, or simply enjoying your morning coffee. Also included in the sale is a storage shed, providing convenient space for your lake toys and outdoor gear. The seller's ½ ownership of a dock transfers to the buyer, and the association conveniently handles dock installation and removal each season for hassle-free lake enjoyment. Association amenities add to the convenience, with maintenance of the common grounds and winter snow plowing provided. Owners are responsible for mowing and maintaining their individual lots. Spend your days exploring the 2,849-acre Horseshoe Chain of 14 interconnected lakes, renowned for excellent boating, fishing, swimming, and endless recreational opportunities. Cruise the chain by boat and enjoy waterfront dining at Shady's Long Shots, spend an afternoon golfing at Rich Spring Golf Club, or drop a line and take advantage of the area's outstanding fishing. Whether you prefer relaxing on the water, watching beautiful sunsets, gathering around the fire with friends, or exploring the scenic shoreline, there's always something to enjoy. With miles of navigable shoreline and countless opportunities for adventure both on and off the water, this property is the perfect place to create lasting memories and enjoy the very best of Minnesota lake living.

21336 State Highway 22 Lot #2, Richmond

Listing courtesy of Coldwell Banker Realty.

$169,900
ACTIVE Status ⋅ 7097381 MLS
Welcome to Horseshoe Shores on Long Lake in Richmond—just an hour from the Twin Cities and minutes from St. Cloud! Enjoy lake life to the fullest with your own dock slip offering easy access to Long Lake and the scenic Horseshoe Chain of Lakes—15 inter connected lakes perfect for boating, fishing, and outdoor adventure. This seasonal Park Model was custom-built in 2010 with impressive attention to detail and quality. Constructed on a park model frame but built to residential standards, it features house-grade doors and windows, 2x4 construction, R-15 wall insulation, R-19 ceiling insulation, cement siding, 35-year shingles, and durable steel and aluminum soffits and fascia—built to last and withstand the elements. The home offers 1 bedroom, a ¾ bath, gas fireplace, electric heat, an upper-level loft for added space, a storage shed, and a spacious covered deck for relaxing or entertaining. Inside, the cabin boasts beautiful finishes throughout and comes fully furnished—including all interior furniture, rugs, electronics, appliances, window coverings, and kitchenware. The well-managed association handles lawn care, water/sewer, and beach access, plus offers exceptional amenities including a clubhouse, in-ground pool, fish cleaning house, and even split firewood provided by community volunteers. The dock and boat lift are also included. Whether you’re looking for peaceful weekends or fun-filled lake days, this turn-key property is the perfect spot to relax, recharge, and make lifelong

18096 Browns Lake Road #1, Richmond

Listing courtesy of Coldwell Banker Realty.

$119,900
ACTIVE Status ⋅ 7093889 MLS
**Property includes the lot, park model and furnishings! Want to enjoy all the feels of a cabin, but don't want to spend as much. This is the perfect opportunity for you! Nestled in one of the most sought-after resorts on the Horseshoe Chain of Lakes, this charming and well-cared-for park model offers the perfect cozy cabin feel with all the perks of resort living. Move-in ready and waiting for its next owners to make summer memories. Step outside to your own private dock slip with direct lake access, enjoy the shared sandy beach, and take full advantage of resort amenities including a clubhouse, and shared beach. Everything you need for the perfect lake summer just unpack and enjoy. Don't miss your chance to own a piece of the Horseshoe Chain. Summer is calling!

21707 State Highway 22, Richmond

Listing courtesy of Central MN Realty LLC.

$1,299,500
ACTIVE Status ⋅ 3 Beds ⋅ 4 Baths ⋅ 7089944 MLS ⋅ 4,189 SqFt.
Experience effortless luxury lake living at this architecturally stunning residence overlooking Lake Koronis, one of Central Minnesota's most sought-after recreational and fishing lakes. Located just 80 miles from the western Twin Cities suburbs and minutes from charming Paynesville, this exceptional home offers the rare combination of breathtaking 180° waterfront views, modern design, and true maintenance-free ownership. Perched high on a bluff within an exclusive 14-home HOA community, the home captures sweeping views across 3,000-acre Lake Koronis and its three picturesque islands, creating a setting that feels distinctly "up north" while remaining remarkably accessible. Enjoy spectacular west-facing sunsets year-round from nearly every room. Designed by the owner and meticulously engineered and crafted, this Scandinavian-inspired modern home blends sophisticated architecture with comfortable lake living. Expansive windows, soaring ceilings, custom built-ins, designer finishes, and exceptional storage create a home that is as functional as it is beautiful. The heart of the home is an open-concept great room anchored by floor-to-ceiling Pella quad-sliding doors, seamlessly connecting the living, dining, bar, kitchen, and outdoor entertaining spaces. A chef-inspired kitchen features custom cabinetry, quartz countertops, a 10-foot island, induction cooktop, wall oven, walk-in pantry, coffee station, and stunning lake views from every angle. The main level also offers in-floor heating (including the garage), a private office, elegant screened porch with a two-sided fireplace, spacious mudroom, and thoughtfully designed entertaining spaces that flow effortlessly indoors and out. Upstairs, the primary suite serves as a private retreat with a glass balcony, wraparound windows, and a spa-inspired bath designed around panoramic lake views. Additional highlights include a dry sauna, upper-level laundry, guest accommodations, media loft, and a remarkable elevated sunroom known as the "Cozy Nest," offering unmatched views of eagles, wildlife, and unforgettable sunsets. Outdoor living is equally impressive, with a full-width composite deck, firepit patio, grilling area, basalt water feature, professional landscaping, and layered architectural lighting creating a resort-like atmosphere day and night. Residents enjoy the convenience of a professionally managed HOA that handles lawn care, snow removal, dock installation and removal, allowing more time to enjoy the lake. A dedicated boat slip, kayak storage, community swimming dock, and golf-cart access to the waterfront make lake days effortless. Just outside your door, the 16-mile paved Lake Koronis recreational trail invites biking, walking, and year-round exploration, while nearby state and county parks provide endless opportunities to enjoy Central Minnesota's rolling hills, forests, and natural beauty. This is luxury lake living reimagined-an extraordinary blend of architectural excellence, low-maintenance convenience, and one of Minnesota's most captivating waterfront settings.

27841 Stonegate Road, Paynesville

Listing courtesy of Oak Realty LLP.

$150,000
ACTIVE Status ⋅ 7051297 MLS
Bring your vision to life with Werschay Homes on this exceptional 10+ acre homesite in the highly sought-after Daybreak community in Sartell. Opportunities like this are incredibly rare. Enjoy the privacy and space of acreage living while still benefiting from in-town conveniences. Tucked away on a quiet cul-de-sac, this level lot offers expansive views and the perfect canvas for a custom home designed around your lifestyle. As part of Daybreak, you'll enjoy access to scenic walking trails and Daybreak Lake, complete with a beach, dock, and paddleboat access - all with a low association fee of just $540 per year. Ideally located near dining, shopping and Sartell schools, this property offers the perfect balance of peaceful surroundings and everyday convenience. Partner with Werschay Homes to create a home that truly reflects your style and needs in one of Sartell's most desirable settings.

1097 20th Avenue S, Sartell

Listing courtesy of Edina Realty, Inc.

$245,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7039925 MLS ⋅ 855 SqFt.
Nestled along the southeast shores of Big Birch Lake, this charming cabin offers a rare opportunity to own a cozy getaway on one of the area’s premier lakes. Thoughtfully designed to maximize space, this 3-bedroom, 2-bath cabin comfortably sleeps up to 8—making it ideal for hosting family and friends. Upstairs bedrooms feature a pass-through layout. The property features a screened-in porch, spacious deck, and two patio areas—perfect for relaxing or entertaining outdoors. Enjoy low-maintenance living as part of a well-maintained association offering a wide range of amenities, including lawn care, general upkeep, a community storage shed, fire pits, docks, and more—everything you need to fully embrace lake life.

44539 Birch Park Circle Unit 7, Grey Eagle

Listing courtesy of Century 21 First Realty, Inc..

Start Your Search

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. Real estate listings held by brokerage firms other this firm are marked with the Broker Reciprocity logo. Information Deemed Reliable But Not Guaranteed. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

Listing data © 2026 Regional Multiple Listing Service of Minnesota. All rights reserved. By searching, you agree to the EULA.