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 $8,806 (2026).

What school district is this property in?

This property is in the 2142 - St. Louis County school district.

How long has this property been on the market?

This property has been listed for 42 days.

Listed at

$950,000

$419/sqft

95822 Pine Island

95822 Pine Island, Tower, MN, 55790

5 Bedrooms3 Bathrooms2,270 Square Feet15 Acres

Days on market42

Year built2009

ParkingOther

TypeResidential

Est. $25,500buyer credit when you buy with SODL

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About this home

Stunning Pine Island retreat on legendary Lake Vermilion! Set on 350ft of shoreline, this 5 bed, 3 bath property is designed for year round enjoyment and is perfect for large gatherings and hosting. Home features open concept main level with vaulted ceilings, wood-burning fireplace and large deck with pizza oven. Head to the loft for an elevated lake view or enjoy evening dinners in the screened in porch. Walkout basement with sauna and ample storage space. A lakeside fire pit offers the perfect setting for gathering under the stars and listening to the loons. Newer boathouse and two docks. Conveniently located close to multiple marinas and a short boat ride from Trout Lake portage. With abundant sleeping space, exceptional amenities, and the beauty of Lake Vermilion right at your doorstep, this property is ready for generations of memories. Sold furnished and ready to enjoy!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2009

LevelsTwo

Living area2,270 sqft

Above-grade finished1,920 sqft

Below-grade finished350 sqft

Lot size15 acres (1300x471)

Days on market42

ListedAug 17, 2026

MLS #NST7128861

CountySt. Louis

Parcel #387039100070

Facts & features

Interior

Bedrooms: 5
Bathrooms: 3
Bath breakdown: 3 full
Heating: Baseboard, Fireplace(s), In-Floor Heating
Cooling: None
Laundry: Main Level

Property

Levels / stories: Two
Parking features: Other
Patio & porch: Deck, Enclosed, Patio, Porch, Screened
Exterior features: Log
Other structures: Boat House
View: Bay, West

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Poured Concrete · 1,350 sqft
Year built: 2009

Utilities

Water: Well
Sewer: Private Sewer
Fuel: Electric, Propane, Wood

Community & HOA

HOA: No HOA
School district: 2142 - St. Louis County
High school district: St. Louis County

Financial & listing details

Annual tax: $8,806 (2026)
Listed: Aug 17, 2026
Days on market: 42
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths3

3/4 baths0

Half baths0

1/4 baths0

BasementFull, Partially Finished

HeatingBaseboard, Fireplace(s), In-Floor Heating

CoolingNone

Fireplaces1

LaundryMain Level

AccessibilityNone

Exterior & lot

ExteriorLog

FoundationPoured Concrete

Foundation area1,350 sqft

Patio/porchDeck, Enclosed, Patio, Porch, Screened

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerPrivate Sewer

FuelElectric, Propane, Wood

Parking & garage

ParkingOther

Garage spaces0

Financial details

Annual taxes$8,806

Tax year2026

Taxes w/ assessments8806

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2142 - St. Louis County

District number2142

District phone2187498130

High schoolSt. Louis County

SODL flat fee brokerage

$25,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $25,500

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

$6,043/mo

Principal & interest$4,993

Property taxes$734

Home insurance (est.)$317

Down payment

$190,000

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.