Does this property have an HOA?

Yes. The HOA fee is $600 per month.

What are the annual property taxes?

Annual property taxes are $4,077 (2025).

What school district is this property in?

This property is in the 2142 - St. Louis County school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 234 days.

Listed at

$495,000

$157/sqft

Cic #39 Calm Bay Resort Kabetogama

12970 White Eagle Lane, Kabetogama, MN, 56669

4 Bedrooms2 Bathrooms3,156 Square Feet0.63 Acres

Days on market234

Year built1990

Garage spaces2

HOA / month$600

TypeResidential

Est. $11,850buyer credit when you buy with SODL

Interested?

Pick a date to request a showing

Cancel anytime, free.

About this home

On the pristine shores of Lake Kabetogama, this one-level, turn-key retreat offers effortless living. With smart architecture, and a rich, wood interior, the home radiates cozy elegance. A stone fireplace anchors the living space, while the lakeside sunroom and deck invite you to relax and soak-in the natural beauty. Some of the highlights--vaulted ceilings create an airy, open-concept flow through the kitchen, dining, and living areas, a pool table for some friendly competition, spacious bedrooms, a mudroom for easy outdoor access, and a substantial, heated/insulated garage. Step into your dream retreat and let the lake life begin.

Contact us

Write a message

Home facts

Property typeResidential

Property subtypeSingle Family

Year built1990

LevelsOne

Living area3,156 sqft

Above-grade finished3,156 sqft

Below-grade finished0 sqft

Lot size0.63 acres (190x140)

Days on market234

ListedSep 15, 2025

MLS #NST6789048

CountySt. Louis

SubdivisionCic #39 Calm Bay Resort Kabetogama

Parcel #402001700080

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air
Cooling: None
Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 40x24 · 960 sqft
Parking features: Attached Garage, Gravel, Concrete
Patio & porch: Deck
Exterior features: Vinyl
Waterfront: Association Access, Lake Front

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 3,156 sqft
Year built: 1990

Utilities

Water: Well
Sewer: Mound Septic, Shared Septic
Fuel: Propane
Electric: 200+ Amp Service

Community & HOA

Subdivision: Cic #39 Calm Bay Resort Kabetogama
HOA: $600/annual
HOA name: Calm Bay Townhomes
HOA phone: 2187602266
HOA includes: Beach Access, Dock, Parking, Sewer, Snow Removal, Water
HOA amenities: Dock

Financial & listing details

Annual tax: $4,077 (2025)
Tax with assessments: 4162
Listed: Sep 15, 2025
Days on market: 234 · 199 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementCrawl Space

HeatingForced Air

CoolingNone

Fireplaces1

LaundryMain Level

AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer

DiningInformal Dining Room, Kitchen/Dining Room, Living/Dining Room

AmenitiesDeck, Dock, Main Floor Primary Bedroom, Panoramic View, Sun Room

AccessibilityNo Stairs Internal

Special features4 BR on One Level, All Living Facilities on One Level, Main Floor Laundry

Exterior & lot

ExteriorVinyl

FoundationBlock

Foundation area3,156 sqft

Patio/porchDeck

Lot featuresIrregular Lot

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerMound Septic, Shared Septic

FuelPropane

Parking & garage

ParkingAttached Garage, Gravel, Concrete

Garage spaces2

Garage size960 sqft

Financial details

Annual taxes$4,077

Tax year2025

Taxes w/ assessments4162

Assessment pendingNo

HOA fee$600

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2142 - St. Louis County

District number2142

District phone2187498130

High schoolSt. Louis County

SODL flat fee brokerage

$11,850Estimated buyer credit

SODL platform fee $3,000Your buyer credit $11,850

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$3,706/mo

Principal & interest$2,601

Property taxes$340

Home insurance (est.)$165

HOA fees$600

Down payment

$99,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.