Listed at
$459,900
$237/sqft

Malone Island Estates

1900 White Cloud Drive, Isle, MN, 56342
3  Bedrooms3  Bathrooms1,943  Square Feet0.3  Acres
Days on market49
Year built2012
Garage spaces2
HOA / month$330
TypeResidential
Est. $10,797buyer credit when you buy with SODL
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About this home

Year round lake home located on prestigious Malone Island with a private harbor slip available. A rare opportunity to own a year-round Mille Lacs Lake home on the island! This spacious 3-bed, 3-bath, 2,000+ sq ft lake home delivers open-concept living, stunning lake views, and the ease of island life, all just 90 minutes from the Twin Cities. Main level living & open concept design. Step inside to bright, inviting spaces featuring: Spacious & bright living and dining areas perfect for gathering friends & family. A large kitchen with stainless steel appliances, large center island, and a walk-in pantry. Dining room with panoramic lake views and walkout to a generous lakeside deck. Main-floor primary suite with a large walk-in closet. The lower level offers a large family room with beautiful plank flooring, and convenient walkout access to the lakeside patio. There is plenty of room for guests, recreation, or relaxing after a day on the water! Enjoy the perks of Malone Island living: Private association harbor with your own boat slip (#28) available, docks, and launch included. Additional features include a concrete driveway and a heated, insulated 2-car attached garage! There is a nice sized storage shed for your lake gear and toys. Just minutes from the town of Isle, this immaculate home offers the perfect blend of privacy, convenience, and lakefront lifestyle. Homes on Malone Island rarely become available, and they move quickly. You will love the East side of Mille Lacs Lake - and all the Isle area has to offer!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2012
LevelsSplit Entry (Bi-Level)
Living area1,943 sqft
Above-grade finished1,043 sqft
Below-grade finished900 sqft
Lot size0.3 acres (60x164x119x131)
Days on market49
ListedAug 10, 2026
MLS #NST7124528
CountyMille Lacs
SubdivisionMalone Island Estates
Parcel #205600480

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories
Split Entry (Bi-Level)
Garage
2 spaces · 22x24 · 528 sqft
Parking features
Attached Garage, Concrete, Finished Garage, Heated Garage, Insulated Garage
Patio & porch
Deck, Patio
Exterior features
Vinyl
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 1,043 sqft
Roof
Age Over 8 Years, Asphalt, Pitched
Year built
2012

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision
Malone Island Estates
HOA
$330/annual
HOA name
Malone Island Association
HOA phone
2188207851
HOA includes
Dock
School district
473 - Isle

Financial & listing details

Annual tax
$6,775 (2026)
Tax with assessments
6790
Listed
Aug 10, 2026
Days on market
49 · 256 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementBlock
HeatingForced Air
CoolingCentral Air
LaundryGas Dryer Hookup, Lower Level, Laundry Room, Washer Hookup
AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned
DiningInformal Dining Room, Kitchen/Dining Room
AmenitiesCable, Ceiling Fan(s), Deck, Dock, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Washer/Dryer Hookup
AccessibilityNone
Special featuresMain Floor Primary, Main Floor Bedroom, Primary Bdr Suite

Exterior & lot

ExteriorVinyl
RoofAge Over 8 Years, Asphalt, Pitched
FoundationBlock
Foundation area1,043 sqft
Patio/porchDeck, Patio
Lot featuresAccessible Shoreline, Tree Coverage - Light
Road frontageCity Street, Paved Streets, Street Lights
Road responsibilityPublic Maintained Road
ZoningShoreline,Residential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Heated Garage, Insulated Garage
Garage spaces2
Garage size528 sqft

Financial details

Annual taxes$6,775
Tax year2026
Taxes w/ assessments6790
Assessment pendingYes
HOA fee$330
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District473 - Isle
District number473
District phone3206763146
High schoolIsle
SODL flat fee brokerage
$10,797Estimated buyer credit
SODL platform fee $3,000Your buyer credit $10,797

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

$3,465/mo
Principal & interest$2,417
Property taxes$565
Home insurance (est.)$153
HOA fees$330
%
$91,980
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

1900 White Cloud Drive, Isle, MN, 56342

Listing information

MLS #NST7124528
StatusActive
Last updatedSep 22, 2026, 2:05 PM
Originally listedAug 10, 2026, 4:09 PM
Listing officeKeller Williams Realty Professionals

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.