Does this property have an HOA?

Yes. The HOA fee is $462 per month.

What are the annual property taxes?

Annual property taxes are $1,922 (2025).

What school district is this property in?

This property is in the 480 - Onamia school district.

How long has this property been on the market?

This property has been listed for 18 days.

Listed at

$240,000

$188/sqft

Izatys Cottage Colony West

8544 Tennis Terrace, Onamia, MN, 56359

2 Bedrooms2 Bathrooms1,278 Square Feet0.027 Acres

Days on market18

Year built1989

ParkingAsphalt

HOA / month$462

TypeResidential

Est. $4,200buyer credit when you buy with SODL

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About this home

An exceptional opportunity to own a Mille Lacs Lake cottage at Izatys Resort! Steps to the swimming docks, marina, lookout, 18-hole golf course, and clubhouse with restaurant! This luxurious and beautiful end-unit townhome has windows on three sides and a large private concrete patio! Open floor plan with walls of windows to soak in the views and sunshine! There are two bedrooms, plus a rare loft area for added square feet! There is a main level bedroom + full bath, upstairs is a second bedroom + three-quarter bath! Incredible design, selections, and finishes! NEW: doors, comfort height toilets, designer light fixtures, fan, window treatments, carpet with Hollywood style installation, enameled woodwork, paint, hardware, microwave, and more! Enjoy the vaulted ceilings, granite counters, tile backsplash, dimmer switches, 8-foot wide sliding doors, Kinetico water softener, and laundry too! Appreciate having power inset into the wall above the fireplace for the TV. Furnace and air conditioner are less than 10 years old. Association maintained for easy living. Use full-time year round, or as a vacation home for weekend getaways! Located on the south shore of the lake, convenient to the Twin Cities! Nearby casino too. The lake life is calling! Your coastal paradise awaits!

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built1989

LevelsOne and One Half

Living area1,278 sqft

Above-grade finished1,278 sqft

Below-grade finished0 sqft

Lot size0.027 acres (Common)

Days on market18

ListedFeb 27, 2026

MLS #NST6820359

CountyMille Lacs

SubdivisionIzatys Cottage Colony West

Parcel #174200070

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Microwave, Range, Refrigerator, Water Softener Owned

Property

Levels / stories: One and One Half
Parking features: Asphalt, Shared Driveway
Patio & porch: Patio
Exterior features: Vinyl
View: Lake, Panoramic
Waterfront: Association Access, Deeded Access, Dock, Lake View, Shared

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Foundation: Block · 768 sqft
Year built: 1989

Utilities

Water: Shared System, Well
Sewer: Septic System Compliant - Yes, Shared Septic
Fuel: Natural Gas

Community & HOA

Subdivision: Izatys Cottage Colony West
HOA: $462/month
HOA name: Narveson Management Inc
HOA phone: 3205325121
HOA includes: Beach Access, Building Exterior, Dock, Hazard Insurance, Lawn Care, Maintenance Grounds, Professional Mgmt, Recreation Facility, Sanitation, Sewer, Shared Amenities, Snow Removal
HOA amenities: Beach, Boat Slip, Dock, Golf Course, In-Ground Sprinkler System, Tennis Courts

Financial & listing details

Annual tax: $1,922 (2025)
Listed: Feb 27, 2026
Days on market: 18 · 19 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryLaundry Closet, In Unit, Upper Level, Washer Hookup

AppliancesDishwasher, Microwave, Range, Refrigerator, Water Softener Owned

DiningBreakfast Bar, Breakfast Area, Eat In Kitchen, Informal Dining Room, Kitchen/Dining Room, Living/Dining Room

AmenitiesCeiling Fan(s), Main Floor Primary Bedroom, Natural Woodwork, Patio, Paneled Doors, Panoramic View, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s)

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom

Exterior & lot

ExteriorVinyl

FoundationBlock

Foundation area768 sqft

Patio/porchPatio

ZoningResidential-Single Family

Utilities

Water sourceShared System, Well

SewerSeptic System Compliant - Yes, Shared Septic

FuelNatural Gas

Parking & garage

ParkingAsphalt, Shared Driveway

Garage spaces0

Garage size0 sqft

Financial details

Annual taxes$1,922

Tax year2025

Taxes w/ assessments1922

Assessment pendingNo

HOA fee$462

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District480 - Onamia

District number480

District phone3205324174

High schoolOnamia

SODL flat fee brokerage

$4,200Estimated buyer credit

SODL platform fee $3,000Your buyer credit $4,200

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

$1,963/mo

Principal & interest$1,261

Property taxes$160

Home insurance (est.)$80

HOA fees$462

Down payment

$48,000

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.