Does this property have an HOA?

Yes. The HOA fee is $1,700 per month.

What are the annual property taxes?

Annual property taxes are $3,129 (2026).

What school district is this property in?

This property is in the 2142 - St. Louis County 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 190 days.

Listed at

$389,000

$458/sqft

Cic #38 Northern Pines Estates

2903 Chaps Road, Cook, MN, 55723

2 Bedrooms2 Bathrooms850 Square Feet0.189 Acres

Days on market190

Year built1960

Garage spaces2

HOA / month$1,700

TypeResidential

Est. $8,670buyer credit when you buy with SODL

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About this home

Northwoods Lakefront Retreat – 2BR/2BA Updated Cabin! Enjoy classic Northwoods charm with modern updates in this beautifully maintained 2-bedroom, 2-bath lakefront cabin. Warm tongue-and-groove ash paneling and hardwood floors create a cozy, up-north feel, while the remodeled kitchen features new appliances, porcelain sink, and updated finishes. Recent improvements include new roof, new deck, new washer/dryer, and updated baths with walk-in showers and luxury vinyl flooring. Mudroom offers extra storage and additional refrigerator—perfect for lake life. Located right at the water’s edge with stunning lake views. Community amenities include 800’ of sandy shoreline, spa building, boat slip, shared well & septic, 10x40 garage space, lawn care, and more. Turnkey Northwoods getaway—furnishings negotiable. Showings with agent only.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1960

LevelsOne

Living area850 sqft

Above-grade finished850 sqft

Below-grade finished0 sqft

Lot size0.189 acres (88x94)

Days on market190

ListedFeb 25, 2026

MLS #NST7026869

CountySt. Louis

SubdivisionCic #38 Northern Pines Estates

Parcel #250006800040

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 2 3/4
Heating: Space Heater
Cooling: None
Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 10x40 · 400 sqft
Parking features: Detached Garage, Gravel
Patio & porch: Deck
Exterior features: Log Siding
View: Lake

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: None · 850 sqft
Roof: Asphalt
Year built: 1960

Utilities

Water: Shared System
Sewer: Shared Septic
Fuel: Propane

Community & HOA

Subdivision: Cic #38 Northern Pines Estates
HOA: $1,700/annual
HOA name: Northern Pines Estates
HOA phone: 6128039381
HOA includes: Beach Access, Dock, Lawn Care, Snow Removal
HOA amenities: Beach, Boat Slip, Dock, Sauna

Financial & listing details

Annual tax: $3,129 (2026)
Tax with assessments: 3214
Listed: Feb 25, 2026
Days on market: 190 · 405 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths0

3/4 baths2

Half baths0

1/4 baths0

BasementNone

HeatingSpace Heater

CoolingNone

Fireplaces1

LaundryElectric Dryer Hookup, Washer Hookup

AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer

DiningEat In Kitchen

AccessibilityNone

Special featuresAll Living Facilities on One Level

Exterior & lot

ExteriorLog Siding

RoofAsphalt

FoundationNone

Foundation area850 sqft

Patio/porchDeck

Lot featuresAccessible Shoreline, Tree Coverage - Light

Road frontageCounty Road, Private Road

Road responsibilityPrivate Maintained Road, Public Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Water sourceShared System

SewerShared Septic

FuelPropane

Parking & garage

ParkingDetached Garage, Gravel

Garage spaces2

Garage size400 sqft

Financial details

Annual taxes$3,129

Tax year2026

Taxes w/ assessments3214

Assessment pendingYes

HOA fee$1,700

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

$8,670Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,670

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

$4,135/mo

Principal & interest$2,044

Property taxes$261

Home insurance (est.)$130

HOA fees$1,700

Down payment

$77,800

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.