Sold / Closed
$610,000

Sold price · Closed Jul 29, 2026

$374/sqft

North Bay Homesites 61 12

1787 N Bay Road, Ely, MN, 55731
2  Bedrooms2  Bathrooms1,872  Square Feet0.958  Acres
Days on market14
Year built2007
Garage spaces2
TypeResidential
Est. $18,000buyer credit when you buy with SODL

About this home

Year round home on Birch Lake. Experience the perfect blend of comfort, style, and Northwoods charm in this stunning 3-bedroom, 2-bathroom lake home situated on approximately 1 acre with 150 feet on Birch Lake. Offering more than 1900 square feet of thoughtfully designed living space. Abundant natural light pours in through the sun porch, bringing the beauty of the outdoors inside. The main level offers, large kitchen, living room with gas fireplace, primary bedroom, 3/4 bath, and laundry. The walk-out lower level offers two additional bedrooms, a full bathroom, and a second kitchen—an ideal setup for guests, extended family, or multi-generational living. Additional amenities include a two-stall garage complete with a finished bonus room above, perfect for a home office, artist's studio, hobby room, or additional guest accommodations. Another bonus to this property is a wood burning sauna building with plenty of room to use as a bunk house. Whether you're searching for a peaceful seasonal retreat or a full-time lakeside residence, this exceptional Birch Lake property offers the perfect opportunity to enjoy all that lake living has to offer. Your Northwoods Escape Awaits. Important Note: some AI Staging has been added, Nothing has be adjusted to the structure or to any other key components of the property.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2007
LevelsOne
Living area1,872 sqft
Above-grade finished936 sqft
Below-grade finished936 sqft
Lot size0.958 acres (350x207)
Days on market14
ListedJun 22, 2026
MLS #NST7095592
CountySt. Louis
SubdivisionNorth Bay Homesites 61 12
Parcel #610003000020

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Ductless Mini-Split, Dual Fuel/Off Peak, Fireplace(s)
Cooling
Ductless Mini-Split
Basement
Block, Daylight/Lookout Windows, Egress Window(s), Finished, Full, Storage Space, Walkout · 936 sqft finished

Property

Levels / stories
One
Garage
2 spaces · 28x26 · 728 sqft
Parking features
Detached Garage
Exterior features
Shakes, Wood
View
Bay, Lake
Waterfront
Lake Front

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 936 sqft
Year built
2007

Utilities

Water
Drilled, Well
Sewer
Septic System Compliant - Yes
Fuel
Electric, Propane

Community & HOA

Subdivision
North Bay Homesites 61 12
HOA
No HOA
School district
2142 - St. Louis County
High school district
St. Louis County

Financial & listing details

Annual tax
$4,071 (2026)
Tax with assessments
4156
Listed
Jun 22, 2026
Days on market
14
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Full, Storage Space, Walkout
HeatingDuctless Mini-Split, Dual Fuel/Off Peak, Fireplace(s)
CoolingDuctless Mini-Split
Fireplaces2
AccessibilityNone

Exterior & lot

ExteriorShakes, Wood
FoundationBlock
Foundation area936 sqft
ZoningResidential-Single Family

Utilities

Water sourceDrilled, Well
SewerSeptic System Compliant - Yes
FuelElectric, Propane

Parking & garage

ParkingDetached Garage
Garage spaces2
Garage size728 sqft

Financial details

Annual taxes$4,071
Tax year2026
Taxes w/ assessments4156
Assessment pendingYes
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
$18,000Estimated buyer credit
SODL platform fee $3,000Your buyer credit $18,000

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

$4,251/mo
Principal & interest$3,679
Property taxes$339
Home insurance (est.)$233
%
$140,000
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.

Location

1787 N Bay Road, Ely, MN, 55731

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Listing information

MLS #NST7095592
StatusClosed
Last updatedJul 29, 2026, 8:38 PM
Originally listedJun 22, 2026, 8:16 AM
Listing officeZ'Up North Realty, Inc.

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. 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.