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28 Moonlight Bay
28 Moonlight Bay
28 Moonlight Bay
28 Moonlight Bay
28 Moonlight Bay

28 Moonlight Bay, Stillwater, MN 55082 - MLS# 6684507

MLS® #: 6684507|Days on Market: 4|Listed: Oct 22, 2026

$689,000

Open HouseOct 27, 11 AM - 1:30 PM
Bedrooms
2
Bathrooms
2
Square Feet
1,305
Acres
0.523
Year Built
1955
Property Type
Residential
Heating
Electric, Natural Gas, Forced Air
Cooling
Central Air
Days on Market
4
School District
834 - Stillwater

Better Than New Construction with Stunning Big Carnelian Lake Views & Deeded Lake Access with shared dock! Tucked away on a treasured private road in the Moonlight Bay neighborhood & situated on over half an acre, this beautifully reimagined & rebuilt from the ground up with a new foundation 2-bed, 2-bath single level home offers gorgeous modern design and effortless main-level living! Soaring vaulted ceilings, expansive windows showcasing lake views, beautiful wood flooring, all-new appliances, and spa-inspired bathrooms with stunning tilework are just a few of the highlights. The spacious primary suite features a walk-in closet, while abundant storage throughout adds everyday convenience. A separate insulated outbuilding with concrete floors & electricity offers endless possibilities—home office, art studio, or storage for all your lake toys! Deeded lake access with a shared dock provides access to crystal-clear, fully recreational Big Carnelian Lake, offering over 450 acres of boating, swimming, fishing, waterskiing and more. In addition, both Big Carnelian and Square Lake boat ramps are just minutes away. An incredible location just minutes from downtown Stillwater and the St. Croix River, and only 30 minutes to St. Paul. Modern luxury meets the ultimate lake lifestyle!

28 Moonlight Bay, Stillwater, MN 55082

Ask an Agent

Open Houses

  • OCT27
    TuesdayTomorrow
    11 AM - 1:30 PM

Interior Information

BasementCrawl Space
AppliancesDishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
CoolingCentral Air
HeatingForced Air
FuelElectric, Natural Gas
LaundryElectric Dryer Hookup, Main Level, Washer Hookup
Dining RoomInformal Dining Room
Interior AmenitiesKitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Panoramic View, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet
ElectricCircuit Breakers, 150 Amp Service
AccessibilityNo Stairs Internal

Size & Levels

LevelsOne
Total Finished Sq Ft1,305 sq ft
Above Grade Finished1,305 sq ft
Main Level Finished1,305 sq ft

Bathrooms

Full Baths1
3/4 Baths1
Bathroom DetailsBathroom Ensuite, Full Primary, Main Floor 3/4 Bath, Main Floor Full Bath, Walk-In Shower Stall

Rooms

Main Level Rooms

Living Room20' x 11'
Dining Room10' x 10'
Kitchen14' x 19'
Bedroom9'7" x 13'9"
Bedroom 211' x 12'
Bathroom8' x 12'6"
Bathroom6' x 8'

Exterior & Parking

ExteriorCedar
RoofAge Over 8 Years, Asphalt
FoundationBlock, Combination, Pillar/Post/Pier
Patio / PorchDeck, Patio
ParkingConcrete, Guest Parking, Open

Lot & Utilities

Property SubtypeSingle Family
Single Family TypeShouse (Shop + House), Ranch-Style Home
Lot Size0.523 acres
Lot DescriptionTree Coverage - Medium
ZoningResidential-Single Family
SubdivisionMoonlight Bay 02
TownshipStillwater
CountyWashington
SewerSeptic System Compliant - Yes, Tank with Drainage Field
WaterWell
Road FrontageNo Outlet/Dead End, Paved Streets, Private Road
Other StructuresWorkshop, Storage Shed
Power CompanyXcel Energy
WaterfrontDeeded Access, Lake View, Other

Homeowners Association

Association Fee$300 / year
AssociationSelf Managed
Other Annual Assessments$2,946
Assessment PendingNo
Fee IncludesSnow Removal

Financial & Tax Information

Annual Taxes$2,946
Tax Year2025
Tax w/ Assessments$2,946
Other Annual Assessments$2,946
Assessment PendingNo
Parcel Number2603120240027
Financing OptionsConventional, Cash
Assumable MortgageNot Assumable
List TypeExclusive Right To Sell

Location

Call 612-356-2121For Showings and Questions

Neighborhood at a Glance

In this neighborhood, homes were most commonly built in 1970-1979, about 97% of occupied homes are owner-occupied, and the average commute is 35 minutes.

Cost of Ownership

Median home value

$627,900

Higher than the Twin Cities metro

The midpoint of estimated values for owner-occupied homes.

Median property taxes paid

$4,497/yr

Higher than the Twin Cities metro

The midpoint of annual property taxes paid by homeowners.

Typical monthly owner costs (with mortgage)

$2,583/mo

Higher than the Twin Cities metro

Median monthly housing costs for owners with a mortgage.

Typical monthly owner costs (no mortgage)

$903/mo

Higher than the Twin Cities metro

Median monthly housing costs for owners without a mortgage.

Median rent

$2,000/mo

Higher than the Twin Cities metro

The midpoint of monthly gross rent, including utilities.

Homes in the Area

Owner-occupied homes

97%

Higher than Twin Cities metro overall

The share of occupied homes lived in by their owners.

Median year built

1981

Similar to the Twin Cities metro

The midpoint of years when homes in the area were built.

Home age by decade

The share of homes built during each period.

  • 2010-20196%
  • 2000-200914%
  • 1990-199912%
  • 1980-198918%
  • 1970-197919%
  • 1960-19697%
  • 1950-19596%
  • 1939 or earlier16%

Types of homes

The share of housing units in each building type.

  • Single-family detached96%
  • Townhome / attached1%

Getting Around

Average commute

35 min

Higher than the Twin Cities metro

The average one-way travel time to work for commuters.

How people get to work

The share of workers using each listed way to get to work.

  • Drive alone66%
  • Carpool7%
  • Walk or bike2%
  • Work from home25%

Homes with broadband

95%

Similar than Twin Cities metro overall

The share of households with a broadband internet subscription.

Estimates for the surrounding census tract, not this specific home.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Schools

Stillwater Area Public Schools

This home is in the Stonebridge Elementary, Stillwater Middle School and Stillwater Area High School attendance areas of Stillwater Area Public Schools.

Elementary

Stonebridge Elementary

Grades K-5 · 6 mi away

Enrollment
420
Students per teacher
16.8

900 Owens St N, Stillwater, MN 55082

(651) 351-8700

Middle

Stillwater Middle School

Grades 6-8 · 7.2 mi away

Enrollment
939
Students per teacher
19.2

523 Marsh St W, Stillwater, MN 55082

(651) 351-6905

High

Stillwater Area High School

Grades 9-12 · 8.5 mi away

Enrollment
2,658
Students per teacher
21.8

5701 Stillwater Blvd N, Stillwater, MN 55082

(651) 351-8040

School assignments can change. Verify enrollment with Stillwater Area Public Schools.

Sources: Minnesota Department of Education attendance areas (2025-26); NCES Common Core of Data 2024 via the Urban Institute Education Data Portal.

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Listed by: Edina Realty, Inc.
Source: NorthstarMLS

Copyright 2026 Regional Multiple Listing Service of Minnesota, Inc. All rights reserved. Information Deemed Reliable But Not Guaranteed. 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 Pederson Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (a little black house) and detailed information about them includes the name of the listing brokers.