2021 land for sale at TBD Excelsior Island in Cross Lake, MN

TBD Excelsior Island — Land, Cross Lake, MN 56442

Land | MLS# 7115888

$325,000

$1,886/month Estimated

Principal & interest
$1,643
Property taxes
$51
Home insurance (est.)
$190
Special assessments
$2
HOA dues
None

20% down ($65,000) · 30-yr fixed, 6.5% · Can I afford this home?

Includes special assessments — the FM-metro cost most portals leave out. Estimates only; confirm before you offer.

Cross Lake, MN Active

About This Home

Once in a lifetime and possibly the most unique opportunity on the Whitefish Chain of Lakes to be offered in a long time. Own your very own piece of paradise, Excelsior Island sits prominently yet obscurely to the west side of Rush Lake, offering 360° views of the water. Sunrises… Sunsets… You can be in the middle of the action, but yet secluded. Included is a 120 ft.² finished and insulated building with an additional 60 ft.² loft, built in 2021, finished in reclaimed mortise & tenon timbers, barn wood, huge windows, wired for electric, vented propane heater. This is a very cool, thoughtfully designed structure with views oriented to the south, the loft facing the East for Sunrises. Sit on the patio or out on the maintenance free dock and enjoy your morning coffee. Wet your line for Crappie, Sunnies, Bass, Walleye, Northern, right off the dock. Stone firepit to grill your catch, roast some marshmallows under the stars and create lasting memories. The whole world turns back in time out here on Excelsior Island. The lake beckons you to join… This could be a very original and unique addition to your short term rental portfolio, adding it additionally to your mainland rental, or get creative. There could be a strong rental revenue opportunity. Everybody dreams of owning an island or at least staying on one for a few days, and now, here is your chance. Nice Sandy swimming all around the island, easy to beach your boats, tie up to the North or South dock, plenty of room for friends to join. No electricity, but might be possible, using solar or battery now. There is a possible building envelope with a variance. Please talk to listing agent and refer to the survey in documents. Do not go out onto the island without an appointment and being with your realtor. Video cameras in place.

Key Features

Built
2021
HOA
None
Annual Taxes
$615 (2026)
Specials/yr
$25

Property Details

Property Type
Land
Lot Size
0.53 acres
Basement
No
County
Crow Wing
List Date
2026-07-24
Days on Market
81 days
Parcel ID
14180670

Financial

Total Tax incl. Assessments
$640
Specials Pending
No

Home Systems & Utilities

Utilities

Utilities
None Connected, Solar Available

Construction & Exterior

Exterior Features

Other Structures
Bunk House, Other, Storage Shed
View
East, Lake, North, Panoramic, See Remarks, South, West

Lot & Land

Lot Features
Accessible Shoreline, Island/Peninsula, Property Adjoins Public Land, Tree Coverage - Medium
Topography
High Ground,Level,Wooded
Road Surface
None
Zoning Description
Shoreline,Residential-Single Family

Waterfront

Waterfront
Yes

Agent & Office

List Office
Edina Realty, Inc.

Price History

Listed at $325,000 on Jul 24, 2026 — No price changes

TBD Excelsior Island is listed in Cross Lake, MN, part of Crow Wing County. Browse all Minnesota homes for sale on Modern Market REALTORS®.

Showing — TBD Excelsior Island

Shannon Barnum

Associate Broker · Modern Market REALTORS®

Your Cross Lake real estate expert since 2012 — I represent you, not the seller. Quick to respond, easy to text.

Listed by Edina Realty, Inc. · Shown by Modern Market REALTORS®

Schedule a Home Tour View Full Listing & Photos

MLS# 7115888 · Data refreshed August 15, 2026

Frequently Asked Questions About TBD Excelsior Island

What are the special assessments at TBD Excelsior Island — and what do they mean?
This property has $25/yr in annual special assessments, with no specials pending. Special assessments are separate from property taxes — they are charges levied by the city for infrastructure improvements like streets, water, sewer, and sidewalks. Annual property taxes are $615/yr. Always factor both into your total monthly housing cost before making an offer.

What special assessments cost in Fargo-Moorhead — live figures on every home for sale.

Where is TBD Excelsior Island located?
TBD Excelsior Island is in Cross Lake, MN 56442, in Crow Wing County.
Is TBD Excelsior Island still available?
Yes — TBD Excelsior Island is currently listed as Active on the MLS and accepting showings. Contact us to schedule a tour or make an offer.
When was TBD Excelsior Island built?
TBD Excelsior Island was built in 2021.
How walkable is TBD Excelsior Island?
TBD Excelsior Island has a Walk Score of 0/100 (Car-Dependent) and a Bike Score of 25/100 (Minimal Bike Infrastructure). Scores provided by Walk Score® →

Local Companies to Help You Settle In

From inspection to closing to moving day, here are well-known local companies serving the Cross Lake area.

MLS GRID Listings courtesy of NorthstarMLS as distributed by MLS GRID

Based on information submitted to the MLS GRID as of 10/13/2026, 10:47 PM CDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

IDX information is provided exclusively 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.