Hay Lake Over
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About this home
An absolute stunner on Ham Lake. This attractive home is well-appointed, meticulously maintained and sits on one of the best sand swimming beaches you will ever see. Spacious at 3600+ finished square feet with an ideal floor plan that feels intimate, yet it can comfortably accommodate a large gathering in total comfort. It features 4 bedrooms, 4 baths, 2 fireplaces, hardwood floors, main level laundry, tons of storage, fiber optic internet, screened and covered porches, lakeside deck, patio and so much more! The window arrangement is ideal, perfectly merging the indoor and outdoor spaces. A generous 26x40 garage has your storage needs covered. It is also EV and generator ready. Sits on 2.45 acres with south facing, panoramic lake views. The lot is level and the shoreline cannot be overstated. It is simply amazing! Bonus; Ham is a private lake with no public access. It is primarily limited to it's residents providing the ultimate freedom to enjoy without the busy buzz so common to other lakes. Also included is deeded access to Hay Lake. This is a walking easement with docking privileges. One home, two lakes. Incredible opportunity! Be sure to check out the video.
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Home facts
Facts & features
Interior
- Bedrooms
- 4
- Bathrooms
- 4
- Bath breakdown
- 3 full / 1 half
- Heating
- Forced Air, Fireplace(s)
- Cooling
- Central Air
- Appliances
- Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, Fuel Tank - Rented, Microwave, Range, Refrigerator, Washer, Water Softener Owned
Property
- Levels / stories
- One and One Half
- Garage
- 2 spaces · 26 x 40 · 1,040 sqft
- Parking features
- Detached Garage, Garage Door Opener
- Patio & porch
- Covered, Deck, Enclosed, Patio, Screened, Side Porch
- Exterior features
- Stone, Cedar
- View
- Lake, Panoramic, South
Construction
- Property type
- Residential
- Property subtype
- Single Family
- Foundation
- Block, Other · 1,344 sqft
- Roof
- Age 8 Years or Less, Architectural Shingle
- Year built
- 1998
Utilities
- Water
- Drilled, Private, Sand Point, Well
- Sewer
- Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
- Fuel
- Propane, Wood
Community & HOA
- Subdivision
- Hay Lake Over
- HOA
- No HOA
- School district
- 113 - Walker-Hackensack-Akeley
- High school district
- Walker-Hackensack-Akeley
Financial & listing details
- Annual tax
- $4,561 (2026)
- Tax with assessments
- 4806
- Listed
- May 28, 2026
- Days on market
- 123 · 111 cumulative
- Manufactured home
- Yes
Interior details
Exterior & lot
Utilities
Parking & garage
Financial details
Schools
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
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
28540 190th Street, Akeley, MN, 56433
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Listing information
Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.
