Listed at
$900,000
$568/sqft

Delta Bay

36945 Delta Bay Road, Pine River, MN, 56474
3  Bedrooms2  Bathrooms1,584  Square Feet0.41  Acres
Days on market435
Year built1995
Garage spaces2
TypeResidential
Est. $24,000buyer credit when you buy with SODL
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About this home

Breathtaking Upper Whitefish Lake views - 115 feet riprap boulder shoreline. Enjoy coffee on a South facing dock at sunrise. Boat to dinner on the Whitefish Chain. Perfectly positioned on quiet protected Delta Bay waters for grandchildren . The property emphasizes a peaceful retreat with towering pines and level lot suitable for seamless outdoor living activities. Relax or entertain on the walkout patio. Modern updates from the 2007 remodel, including both exterior & interior finishes offer year round maintenance -free luxury lake living with emphasis on privacy and natural beauty. Proximity to Pine River amenities, including shops, dining, and outdoor trails. Part of the sought-after Whitefish Chain, known for 119 miles of shoreline, excellent fishing (walleye, bass, northern pike), and boating access to restaurants and marinas.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1995
LevelsSplit Entry (Bi-Level)
Living area1,584 sqft
Above-grade finished792 sqft
Below-grade finished792 sqft
Lot size0.41 acres (124x232x45x214)
Days on market435
ListedJul 21, 2025
MLS #NST6758190
CountyCrow Wing
SubdivisionDelta Bay
Parcel #72120537

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Dual Fuel/Off Peak, Forced Air, Wood Stove
Cooling
Central Air
Appliances
Central Vacuum, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
Split Entry (Bi-Level)
Garage
2 spaces · 22x26 · 572 sqft
Parking features
Detached Garage, Concrete
Patio & porch
Patio
Exterior features
Cement Board
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 792 sqft
Roof
Age 8 Years or Less
Year built
1995

Utilities

Water
Drilled, Private, Well
Sewer
Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Fuel
Propane
Electric
200+ Amp Service

Community & HOA

Subdivision
Delta Bay
HOA
No HOA
School district
186 - Pequot Lakes
High school district
Pequot Lakes

Financial & listing details

Annual tax
$2,134 (2024)
Listed
Jul 21, 2025
Days on market
435
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementFull, Walkout
HeatingDual Fuel/Off Peak, Forced Air, Wood Stove
CoolingCentral Air
Fireplaces1
LaundryLower Level
AppliancesCentral Vacuum, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned
AmenitiesDock, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Skylight, Tile Floors, Vaulted Ceiling(s)
AccessibilityNone

Exterior & lot

ExteriorCement Board
RoofAge 8 Years or Less
FoundationBlock
Foundation area792 sqft
Patio/porchPatio
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceDrilled, Private, Well
SewerPrivate Sewer, Septic System Compliant - Yes, Tank with Drainage Field
FuelPropane

Parking & garage

ParkingDetached Garage, Concrete
Garage spaces2
Garage size572 sqft

Financial details

Annual taxes$2,134
Tax year2024
Taxes w/ assessments2134
Assessment pendingNo
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District186 - Pequot Lakes
District number186
District phone2185684996
High schoolPequot Lakes
SODL flat fee brokerage
$24,000Estimated buyer credit
SODL platform fee $3,000Your buyer credit $24,000

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

$5,208/mo
Principal & interest$4,730
Property taxes$178
Home insurance (est.)$300
%
$180,000
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

36945 Delta Bay Road, Pine River, MN, 56474

Listing information

MLS #NST6758190
StatusActive
Last updatedJul 20, 2026, 1:04 PM
Originally listedJul 21, 2025, 9:58 AM
Listing officeNorwoods Realty

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.