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 $4,388 (2025).

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 8-car garage.

How long has this property been on the market?

This property has been listed for 276 days.

Listed at

$589,900

$464/sqft

Horstmans Second Big Point Sub

46474 Bay Avenue, Isle, MN, 56342

3 Bedrooms1 Bathroom1,272 Square Feet1.1 Acres

Days on market276

Year built1960

Garage spaces8

TypeResidential

Est. $14,697buyer credit when you buy with SODL

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About this home

Mille Lacs Lake retreat! This 3 bed/1 bath year-round lake home has it all! This home is seated on 73’ of prime lakeshore. There is nice sand on the beach! Features of this property include a brick woodburning fireplace, large family room windows with amazing western sunsets. The home has a professionally waterproofed crawl space (2024) and a convenient ramp entry and has beautiful half log siding, and new windows in 2025. The kitchen features white cupboards, stainless steel appliances and a breakfast bar. The living room and dining area has a bright open concept design, with that beautiful fireplace as a focal point. This property is beautifully landscaped and offers a large patio area, with a concrete lakeside firepit, and an outdoor dining area. There is a large 40 x 100 heated and cooled pole shed with a finished rec area perfect for entertaining or just relaxing while watching the big game! The rec room features a custom bar, game area with games including a pool table, and a family room seating area. The gradual lakeshore is perfect for swimming, and there is a dock and aluminum boat lift included. This property is the perfect place to relax and entertain. The Isle area has so much to offer, including world class fishing, Father Hennepin State Park, many restaurants, a bowling alley and several fun gift shops. The SOO line trail system offers extensive ATV trails, and there are groomed snowmobile trails. Bring all of your toys, and store them in the huge heated pole shed. Come and relax on Mille Lacs!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1960

LevelsOne

Living area1,272 sqft

Above-grade finished1,272 sqft

Below-grade finished0 sqft

Lot size1.1 acres (Irregular)

Days on market276

ListedJul 28, 2025

MLS #NST6761962

CountyMille Lacs

SubdivisionHorstmans Second Big Point Sub

Parcel #051210010

Facts & features

Interior

Bedrooms: 3
Bathrooms: 1
Bath breakdown: 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, ENERGY STAR Qualified Appliances, Fuel Tank - Rented, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 8 spaces · 40x60 · 2,400 sqft
Carport: 4
Parking features: Detached Garage, Concrete, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Deck, Patio
Exterior features: Log Siding

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 1,272 sqft
Roof: Age 8 Years or Less, Asphalt, Pitched
Year built: 1960

Utilities

Water: Drilled, Shared System, Well
Sewer: Shared Septic, Tank with Drainage Field
Fuel: Propane
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision: Horstmans Second Big Point Sub
HOA: No HOA
School district: 473 - Isle
High school district: Isle

Financial & listing details

Annual tax: $4,388 (2025)
Tax with assessments: 4418
Listed: Jul 28, 2025
Days on market: 276 · 348 cumulative
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths0

3/4 baths1

Half baths0

1/4 baths0

BasementCrawl Space

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryIn Hall, Laundry Closet, Main Level

AppliancesDishwasher, Dryer, ENERGY STAR Qualified Appliances, Fuel Tank - Rented, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Washer, Water Softener Owned

DiningLiving/Dining Room

AccessibilityGrab Bars In Bathroom, Partially Wheelchair, Wheelchair Ramp(s)

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorLog Siding

RoofAge 8 Years or Less, Asphalt, Pitched

FoundationBlock

Foundation area1,272 sqft

Patio/porchDeck, Patio

Lot featuresCorner Lot, Irregular Lot, Tree Coverage - Medium

Road frontageNo Outlet/Dead End, Private Road

Road responsibilityPrivate Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Water sourceDrilled, Shared System, Well

SewerShared Septic, Tank with Drainage Field

FuelPropane

Parking & garage

ParkingDetached Garage, Concrete, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces8

Garage size2,400 sqft

Financial details

Annual taxes$4,388

Tax year2025

Taxes w/ assessments4418

Assessment pendingYes

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District473 - Isle

District number473

District phone3206763146

High schoolIsle

SODL flat fee brokerage

$14,697Estimated buyer credit

SODL platform fee $3,000Your buyer credit $14,697

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

$3,662/mo

Principal & interest$3,100

Property taxes$366

Home insurance (est.)$197

Down payment

$117,980

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.