Does this property have an HOA?

Yes. The HOA fee is $2,579 per month.

What are the annual property taxes?

Annual property taxes are $4,788.7 (2025).

What school district is this property in?

This property is in the 31 - Bemidji 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 213 days.

Listed at

$480,000

$138/sqft

Misty Harbor Cic 22

454 Wagon Wheel Drive #17, Bemidji, MN, 56601

5 Bedrooms3 Bathrooms3,482 Square Feet1.22 Acres

Days on market213

Year built2006

Garage spaces2

HOA / month$2,579

TypeResidential

Est. $11,400buyer credit when you buy with SODL

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About this home

Enjoy maintenance-free lakeside living with all the benefits of an active homeowners association. Simply get on the boat and go, while the HOA takes care of the common areas and amenities. Misty Harbor is a well-maintained lakeside community on Lake Andrusia, offering direct access to the entire Cass Lake Chain of Lakes. Residents enjoy exclusive access to a private harbor, a sandy beach area, a fish cleaning house, and a community game room, creating the perfect setting for recreation and relaxation. This property is one of the few in the development that includes an additional lot, offering the potential to build a detached shop, garage, or storage building. The private boat slip is deeded with the property and transfers to the new owner, making it easy to enjoy boating, fishing, and exploring the surrounding lakes. The three-level home features an attached two-stall garage, a walk-out lower level, and a beautifully remodeled kitchen with modern finishes. Floor-to-ceiling windows fill the home with natural light while showcasing beautiful lake views. The open-concept floor plan centers around a cozy gas fireplace and offers five spacious bedrooms and three bathrooms, providing plenty of room for family and guests.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2006

LevelsTwo

Living area3,482 sqft

Above-grade finished2,382 sqft

Below-grade finished1,100 sqft

Lot size1.22 acres (643x501)

Days on market213

ListedFeb 27, 2026

MLS #NST7024708

CountyBeltrami

SubdivisionMisty Harbor Cic 22

Parcel #460085900

Facts & features

Interior

Bedrooms: 5
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Dual Fuel/Off Peak, Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Dryer, Fuel Tank - Owned, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories: Two
Garage: 2 spaces · 22x24 · 504 sqft
Parking features: Attached Garage, Asphalt, Electric, Garage Door Opener, Insulated Garage
Patio & porch: Porch, Wrap Around
Exterior features: Steel Siding
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Concrete
Foundation: Block, Pillar/Post/Pier · 1,100 sqft
Roof: Asphalt
Year built: 2006

Utilities

Water: Private
Sewer: Septic System Compliant - Yes, Shared Septic
Fuel: Electric, Propane
Electric: Circuit Breakers

Community & HOA

Subdivision: Misty Harbor Cic 22
HOA: $2,579/annual
HOA name: Misty Harbor Estates
HOA phone: 2187600099
HOA includes: Beach Access, Other, Recreation Facility, Sewer, Shared Amenities, Snow Removal
School district: 31 - Bemidji

Financial & listing details

Annual tax: $4,788.7 (2025)
Tax with assessments: 12234.7
Listed: Feb 27, 2026
Days on market: 213 · 203 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Full, Walkout

HeatingDual Fuel/Off Peak, Forced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryIn Basement, Electric Dryer Hookup, Laundry Room, Washer Hookup

AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Fuel Tank - Owned, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningInformal Dining Room, Kitchen/Dining Room

AmenitiesCeiling Fan(s), Deck, Dock, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Panoramic View, Boat Slip, Washer/Dryer Hookup

AccessibilityNone

Special featuresPrimary Bdr Suite

Exterior & lot

ExteriorSteel Siding

RoofAsphalt

FoundationBlock, Pillar/Post/Pier

Foundation area1,100 sqft

Patio/porchPorch, Wrap Around

Lot featuresTree Coverage - Medium

Road frontageNo Outlet/Dead End, Paved Streets, Private Road

Road responsibilityAssociation Maintained Road, Public Maintained Road

ZoningResidential-Single Family

Utilities

Water sourcePrivate

SewerSeptic System Compliant - Yes, Shared Septic

FuelElectric, Propane

Parking & garage

ParkingAttached Garage, Asphalt, Electric, Garage Door Opener, Insulated Garage

Garage spaces2

Garage size504 sqft

Financial details

Annual taxes$4,788.7

Tax year2025

Taxes w/ assessments12234.7

Assessment pendingYes

HOA fee$2,579

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District31 - Bemidji

District number31

District phone2183333100

High schoolBemidji

SODL flat fee brokerage

$11,400Estimated buyer credit

SODL platform fee $3,000Your buyer credit $11,400

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

$5,661/mo

Principal & interest$2,523

Property taxes$399

Home insurance (est.)$160

HOA fees$2,579

Down payment

$96,000

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.