Listed at
$599,000
$205/sqft

North Bay Homesites 61 12

1804 N Bay Road, Ely, MN, 55731
2  Bedrooms3  Bathrooms2,920  Square Feet3.12  Acres
Days on market182
Year built1987
Garage spaces6
TypeResidential
Est. $14,970buyer credit when you buy with SODL
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About this home

Nestled approximately 12 miles south of Ely, this 3BR/3BA Birch Lake home sits on a 2.6-acre point, offering unparalleled views of Birch Lake from three sides. With 675 feet of accessible, user-friendly shoreline, with sandy beach. Huge living/dining room with a cozy wood-burning brick fireplace, lakeside room with vaulted ceilings and panoramic lake views, en-suite primary bedroom, main floor laundry, knotty pine cabin feel throughout for full Up North Cabin feels. Lower level has a roomy rec room and two other rooms used as bedrooms (non-egress) but great for a library, den, exercise room, etc. Outdoor bliss with large front deck, firepit, dock in a quite bay (great fishing shhh) and end of the road privacy. You'll love the sites, sounds, and fresh forest smells of this hidden retreat. Don't miss out!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1987
LevelsOne
Living area2,920 sqft
Above-grade finished1,520 sqft
Below-grade finished1,400 sqft
Lot size3.12 acres (600.00 x 260.00)
Days on market182
ListedMar 31, 2026
MLS #NST7046279
CountySt. Louis
SubdivisionNorth Bay Homesites 61 12
Parcel #610003000050

Facts & features

Interior

Bedrooms
2
Bathrooms
3
Bath breakdown
2 full / 1 half
Heating
Forced Air
Cooling
None
Appliances
Dryer, Electric Water Heater, Range, Refrigerator, Washer

Property

Levels / stories
One
Garage
6 spaces · 22 x 26 · 572 sqft
Parking features
Detached Garage
Patio & porch
Deck, Patio
Exterior features
Wood
Waterfront
Lake Front

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 1,400 sqft
Roof
Asphalt
Year built
1987

Utilities

Water
Drilled
Sewer
Septic System Compliant - Yes
Fuel
Propane, Wood
Electric
200+ Amp Service

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
$7,339 (2026)
Tax with assessments
7424
Listed
Mar 31, 2026
Days on market
182 · 288 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths0
Half baths1
1/4 baths0
BasementFinished, Full
HeatingForced Air
CoolingNone
Fireplaces1
LaundryMain Level
AppliancesDryer, Electric Water Heater, Range, Refrigerator, Washer
AccessibilityNone
Special featuresMain Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorWood
RoofAsphalt
FoundationBlock
Foundation area1,400 sqft
Patio/porchDeck, Patio
ZoningResidential-Single Family

Utilities

Water sourceDrilled
SewerSeptic System Compliant - Yes
FuelPropane, Wood

Parking & garage

ParkingDetached Garage
Garage spaces6
Garage size572 sqft

Financial details

Annual taxes$7,339
Tax year2026
Taxes w/ assessments7424
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
$14,970Estimated buyer credit
SODL platform fee $3,000Your buyer credit $14,970

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

$3,959/mo
Principal & interest$3,148
Property taxes$612
Home insurance (est.)$200
%
$119,800
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

1804 N Bay Road, Ely, MN, 55731

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Listing information

MLS #NST7046279
StatusActive
Last updatedSep 29, 2026, 2:58 PM
Originally listedMar 31, 2026, 12:05 PM
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.