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 $3,280 (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 3-car garage.

How long has this property been on the market?

This property has been listed for 54 days.

Listed at

$434,900

$286/sqft

Bakkes Agate Bay

19197 328th Avenue, Isle, MN, 56342

2 Bedrooms1 Bathroom1,522 Square Feet0.835 Acres

Days on market54

Year built1970

Garage spaces3

TypeResidential

Est. $10,047buyer credit when you buy with SODL

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About this home

Welcome to your dream retreat! Stunning Lake Home on Mille Lacs Lake, located in Agate Bay, on the East Side of Mille Lacs Lake. This charming 2-bedroom, 1-bathroom lake home offers 1,152 square feet of comfortable living space all on one level, with just two steps leading to the bedrooms. Enjoy the breathtaking western views and witness stunning sunsets from your oversized 10 x 28 three-season porch. Features include 2 large bedrooms, open concept living, a spacious layout with a great center island in the kitchen, Kinetico® water softener and Kinetico® Reverse Osmosis water filter for pure drinking water. There is nearly 1 acre of land with 75 feet of gorgeous lakeshore; a perfect gravel to small rock beach, Huge detached 3-car garage (26 x 50, 1,300 sq. ft.) that is partially heated, stamped concrete patio for your outdoor entertaining, power is available at the lake for your dock, lake pump and lights, and the dock included, with a storage shed. This picturesque home on Mille Lacs Lake is a rare find and won't last long. Schedule your showing today and make it yours before it's gone

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1970

LevelsOne

Living area1,522 sqft

Above-grade finished1,522 sqft

Below-grade finished0 sqft

Lot size0.835 acres (75x482)

Days on market54

ListedJul 14, 2026

MLS #NST7108847

CountyAitkin

SubdivisionBakkes Agate Bay

Parcel #161068500

Facts & features

Interior

Bedrooms: 2
Bathrooms: 1
Bath breakdown: 1 full
Heating: Baseboard, Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dryer, Electric Water Heater, Fuel Tank - Rented, Water Filtration System, Water Osmosis System, Microwave, Range, Refrigerator, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 26x50 · 1,300 sqft
Parking features: Detached Garage, Asphalt, Heated Garage, Insulated Garage
Patio & porch: Patio, Rear Porch
Exterior features: Stucco
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Slab · 1,522 sqft
Roof: Age Over 8 Years, Asphalt, Pitched
Year built: 1970

Utilities

Water: 4-Inch Submersible, Drilled, Private, Well
Sewer: Mound Septic
Fuel: Electric, 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: $3,280 (2026)
Listed: Jul 14, 2026
Days on market: 54 · 8 cumulative
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths1

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingBaseboard, Forced Air

CoolingCentral Air

LaundryMain Level

AppliancesAir-To-Air Exchanger, Dryer, Electric Water Heater, Fuel Tank - Rented, Water Filtration System, Water Osmosis System, Microwave, Range, Refrigerator, Water Softener Owned

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

AmenitiesCable, Ceiling Fan(s), Dock, Kitchen Center Island, Kitchen Window, Main Floor Primary Bedroom, Patio, Porch, Security System, In-Ground Sprinkler, Washer/Dryer Hookup

AccessibilityNone

Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorStucco

RoofAge Over 8 Years, Asphalt, Pitched

FoundationSlab

Foundation area1,522 sqft

Patio/porchPatio, Rear Porch

Lot featuresTree Coverage - Medium

Road frontagePaved Streets, Township

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible, Drilled, Private, Well

SewerMound Septic

FuelElectric, Propane

Parking & garage

ParkingDetached Garage, Asphalt, Heated Garage, Insulated Garage

Garage spaces3

Garage size1,300 sqft

Financial details

Annual taxes$3,280

Tax year2026

Taxes w/ assessments3280

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District473 - Isle

District number473

District phone3206763146

High schoolIsle

SODL flat fee brokerage

$10,047Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,047

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

$2,704/mo

Principal & interest$2,286

Property taxes$273

Home insurance (est.)$145

Down payment

$86,980

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.