Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $2,812 (2026).

What school district is this property in?

This property is in the 473 - Isle 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 158 days.

Listed at

$409,900

$267/sqft

Bakkes Agate Bay

19177 328th Avenue, Isle, MN, 56342

2 Bedrooms2 Bathrooms1,536 Square Feet0.83 Acres

Days on market158

Year built1970

Garage spaces2

TypeResidential

Est. $9,297buyer credit when you buy with SODL

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About this home

Sunsets and sandy shores on Mille Lacs! Experience the ultimate lakeside lifestyle on the coveted northeast shore of Mille Lacs Lake. Tucked away in Agate Bay, this charming 1536sf 2-bedroom, 2-bath home sits on a large .83-acre lot boasting 75’ of level, pristine shoreline featuring a perfect mix of gravel and sand. The main level is illuminated with natural light from large lakeside windows and features a huge12x30 wrap-around deck—your front-row seat to world-class western sunsets. The walk-out lower level features a spacious family room opening to a concrete patio, plus a bonus room ready to be converted into a third bedroom, just needs an egress window. Storage is a dream here with a detached 24x24 2-car garage plus a huge 32x32 pole barn, both featuring concrete floors for all your boats and lake toys. Modern comforts include a newer high-efficiency furnace, central A/C, and a premium water filtration system and newer roof. Whether you’re looking for a year-round residence or an affordable lake retreat, this Agate Bay gem is ready for summer!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1970

LevelsOne and One Half

Living area1,536 sqft

Above-grade finished768 sqft

Below-grade finished768 sqft

Lot size0.83 acres (75x477x75x482)

Days on market158

ListedApr 22, 2026

MLS #NST7060294

CountyAitkin

SubdivisionBakkes Agate Bay

Parcel #161068400

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 2 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Dryer, Electric Water Heater, Exhaust Fan, Fuel Tank - Rented, Water Filtration System, Water Osmosis System, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One and One Half
Garage: 2 spaces · 24x24 · 576 sqft
Parking features: Detached Garage, Gravel, Asphalt, Garage Door Opener, Multiple Garages
Patio & porch: Deck, Front Porch, Patio
Exterior features: Stucco, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 768 sqft
Roof: Age Over 8 Years, Asphalt, Pitched
Year built: 1970

Utilities

Water: 4-Inch Submersible, Drilled, Private, Well
Sewer: Mound Septic, Private Sewer, Septic System Compliant - Yes
Fuel: Propane
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision: Bakkes Agate Bay
HOA: No HOA
School district: 473 - Isle
High school district: Isle

Financial & listing details

Annual tax: $2,812 (2026)
Listed: Apr 22, 2026
Days on market: 158
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths0

3/4 baths2

Half baths0

1/4 baths0

BasementBlock, Egress Window(s), Finished, Walkout

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryIn Basement, Electric Dryer Hookup, Lower Level, Washer Hookup

AppliancesDryer, Electric Water Heater, Exhaust Fan, Fuel Tank - Rented, Water Filtration System, Water Osmosis System, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningInformal Dining Room, Living/Dining Room

AmenitiesCable, Deck, Kitchen Window, Main Floor Primary Bedroom, Patio, Porch, Washer/Dryer Hookup

AccessibilityNone

Special featuresMain Floor Primary, Main Floor Bedroom

Exterior & lot

ExteriorStucco, Vinyl

RoofAge Over 8 Years, Asphalt, Pitched

FoundationBlock

Foundation area768 sqft

Patio/porchDeck, Front Porch, Patio

Lot featuresAccessible Shoreline, Tree Coverage - Medium

Road frontagePaved Streets, Township

Road responsibilityPublic Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Water source4-Inch Submersible, Drilled, Private, Well

SewerMound Septic, Private Sewer, Septic System Compliant - Yes

FuelPropane

Parking & garage

ParkingDetached Garage, Gravel, Asphalt, Garage Door Opener, Multiple Garages

Garage spaces2

Garage size576 sqft

Financial details

Annual taxes$2,812

Tax year2026

Taxes w/ assessments2812

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District473 - Isle

District number473

District phone3206763146

High schoolIsle

SODL flat fee brokerage

$9,297Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,297

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.

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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

$2,525/mo

Principal & interest$2,154

Property taxes$234

Home insurance (est.)$137

Down payment

$81,980

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.