Stearns Homes with Association Access Waterfront features

Welcome to Stearns County, Minnesota—an enchanting blend of natural beauty and vibrant community living. Nestled in the heart of Central Minnesota, Stearns County is renowned for its picturesque landscapes, abundant recreational opportunities, and rich cultural heritage. With its stunning lakes, lush parks, and charming small towns, it’s a perfect place for those seeking a serene lifestyle close to nature.

One of the standout features of homes in this area is the access to waterfront properties, making it a haven for water enthusiasts. Imagine waking up to the gentle lapping of waves and the breathtaking views of shimmering lakes right outside your window. Homes with association access to waterfronts offer not just a residence but a lifestyle filled with outdoor adventures. Whether it's fishing, kayaking, or simply enjoying a peaceful sunset by the water, the opportunities for relaxation and recreation are endless.

Stearns County is also home to a vibrant community that celebrates local arts, farmers' markets, and a variety of annual events that bring residents together. The county boasts excellent schools, making it an ideal location for families, while its proximity to larger cities provides convenient access to urban amenities.

If you’re looking for a home that combines the tranquility of waterfront living with the charm of a close-knit community, Stearns County is your perfect destination. Explore the available properties with association access to waterfronts and start your journey toward a fulfilling lifestyle in this beautiful Minnesota county today!

Newest Stearns Homes with Association Access Waterfront features

$179,900

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.

$129,900

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

3 Beds ⋅ 4 Baths ⋅ 7089944 MLS

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.

$110,000

3 Beds ⋅ 2 Baths ⋅ 7066568 MLS

Enjoy year-round living in the highly desirable Clearwater Forest Community! This well-maintained 2002 Skyline-Elkhart double-wide manufactured home offers 3 bedrooms, 2 bathrooms, and approximately 1.102 square feet of comfortable living space (58'X19'). The spacious primary suite features an en-suite bathroom, while recent updates include a new skylight, new kitchen appliances, and new carpeting in the living and dining areas. A 10'X12' storage shed provides extra space for your tools and recreational gear. Clearwater Forest offers an incredible lifestyle with amenities including in-ground pool, playground, showers, fish cleaning station, community activities throughout the summer, and available boat slip rentals for just $600 per year. Enjoy access to a beautiful 3,200-acre lake known for excellent fishing, boating, and endless out door fun. An added bonus is the available space to build a single-stall garage. Whether you're looking for a year-round residence or a recreational retreat, this home offers the perfect blend of comfort, community, and lake living.

13672 Campfire Circle, South Haven

Listing courtesy of Coldwell Banker Realty.

$89,900

7057529 MLS

Affordable opportunity to be a part of Cedar Sunrise lake association community. You own the lot and use of the shared lake access and common grounds. 2017 Keystone Retreat Camper 39MKTS comes furnished and included in the sale, so you are all set for your lake getaway. Camper is a 1 bedroom and 1 bath with open living and kitchen area. Upgraded to Luxury package- fiberglass laminated siding, granite counters, stainless appliances, lighting upgrades, enclosed underbelly. Lakeview deck is ideal for entertaining and relaxing. Seller owns 1/2 dock so buyer will have half ownership of the dock (7A). Association pulls dock in and out.

21312 State Highway 22 #4, Richmond

Listing courtesy of Century 21 First Realty, Inc..

$150,000

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

3 Beds ⋅ 2 Baths ⋅ 7039925 MLS

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..

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