Listed at
$675,000
$459/sqft

Cove Point Twnhms

Cove Point Lodge 4576 Cove Side Cottages #410, Beaver Bay, MN, 55616
2  Bedrooms2  Bathrooms1,472  Square Feet0.04  Acres
Days on market27
Year built1999
ParkingAsphalt
HOA / month$411.18
TypeResidential
Est. $17,250buyer credit when you buy with SODL
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About this home

Welcome to the drive you already know: north on 35, up the shore past Duluth, until somewhere along Highway 61 the week falls away. Bears Den Cottage #410 at Cove Point Lodge makes that weekend yours for good. Your cottage, your fireplace and your stretch of Lake Superior waiting at the end of it. It feels like checking into your favorite resort, because you own a piece of it. Bears Den pairs a private North Shore retreat with Rental Income Potential through the resort's established rental program, offering reservations, front desk, housekeeping and marketing support to offset ownership costs. Cottage #410 is currently enrolled in the Cove Point Lodge rental program with advance reservations on the books. Within the rental program, owners must make the cottage available a minimum of 200 nights per year, including 100 nights June 15 through November 1. Rental revenue split 50/50. Offered fully furnished and turnkey, the cottage lives larger than its footprint: 1,472 square feet across two levels, with 2 bedrooms, 2 full baths and two fireplaces, sleeping four. A large stone wood-burning fireplace anchors the living area, and the owner's suite adds a gas fireplace and a jetted soaking tub (new in 2025) set to the panoramic lake view. Hardwood and tile floors, natural woodwork, a fully equipped updated kitchen, custom furnishings, curated artwork and quality linens complete the package. Recent updates include a new boiler, on-demand water heater, hardwood floors and deck. Washer and dryer hookups sit in the upstairs owners closet, plumbed for a stackable unit, an uncommon feature among the cottages here. One of the most private decks in the resort opens to towering pines and the sound of the lake. Ownership comes with the keys to the whole resort. Swim in the indoor pool while snow piles up outside, then warm up in the sauna and hot tub after a day on the trail. Your kitchen is fully equipped, but on nights you'd rather not cook, the main lodge restaurant and The Crossings are steps away. The association fee ($771/month, billed quarterly) covers building insurance, firewood, snow plowing and shoveling, lawn care, grounds and building maintenance, sewer lift station and pest control, so arrival day starts at the lake, not the to-do list. The Gitchi-Gami State Trail and the Cove Point Loop of the Superior Hiking Trail start at the resort driveway. Split Rock Lighthouse, Gooseberry Falls and Tettegouche State Parks are minutes away, with Duluth under an hour back down Scenic Highway 61. Historical and advance reservation information and Owner Statements available upon request. This information is a snapshot and is not a guarantee of future earnings. Evolution Team Member must be present for all showings. No showings when guests are in residence. Buyer and buyer's agent to verify all information.

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Home facts

Property typeResidential
Property subtype(TH) Side x Side
Year built1999
LevelsTwo
Living area1,472 sqft
Above-grade finished1,472 sqft
Below-grade finished0 sqft
Lot size0.04 acres (34x88)
Days on market27
ListedSep 1, 2026
MLS #NST7136347
CountyLake
SubdivisionCove Point Twnhms
Parcel #21554301010

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
2 full
Heating
Baseboard, Boiler, Fireplace(s)
Cooling
None
Appliances
Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator

Property

Levels / stories
Two
Parking features
Asphalt
Patio & porch
Deck
Exterior features
Wood
Pool
Heated, Indoor
View
Panoramic

Construction

Property type
Residential
Property subtype
(TH) Side x Side
Construction materials
Block
Foundation
Poured Concrete · 856 sqft
Roof
Asphalt
Year built
1999

Utilities

Water
Shared System
Sewer
City Sewer/Connected
Fuel
Electric, Propane, Wood
Electric
Circuit Breakers

Community & HOA

Subdivision
Cove Point Twnhms
HOA
$411.18/month
HOA name
Ledge Rock Mgmt
HOA phone
2188309734
HOA includes
Building Exterior, Lawn Care, Maintenance Grounds, Parking, Professional Mgmt, Sanitation, Sewer, Shared Amenities, Snow Removal
School district
381 - Lake Superior

Financial & listing details

Annual tax
$6,323 (2026)
Tax with assessments
6538
Listed
Sep 1, 2026
Days on market
27 · 29 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths2
3/4 baths0
Half baths0
1/4 baths0
BasementCrawl Space, Unfinished
HeatingBaseboard, Boiler, Fireplace(s)
CoolingNone
Fireplaces2
LaundryNone
AppliancesDishwasher, Electric Water Heater, Microwave, Range, Refrigerator
DiningKitchen/Dining Room, Living/Dining Room
AmenitiesHardwood Floors, Hot Tub, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Paneled Doors, Porch, Panoramic View, Tile Floors
AccessibilityNone
Special featuresMain Floor Bedroom

Exterior & lot

ExteriorWood
RoofAsphalt
FoundationPoured Concrete
Foundation area856 sqft
Patio/porchDeck
Lot featuresAccessible Shoreline, Tree Coverage - Medium, Underground Utilities, Zero Lot Line
Road frontagePaved Streets, Private Road
Road responsibilityAssociation Maintained Road, Private Maintained Road
ZoningBusiness/Commercial,Other,Shoreline

Utilities

Water sourceShared System
SewerCity Sewer/Connected
FuelElectric, Propane, Wood

Parking & garage

ParkingAsphalt
Garage spaces0

Financial details

Annual taxes$6,323
Tax year2026
Taxes w/ assessments6538
Assessment pendingNo
HOA fee$411.18
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District381 - Lake Superior
District number381
District phone2188348216
High schoolLake Superior
SODL flat fee brokerage
$17,250Estimated buyer credit
SODL platform fee $3,000Your buyer credit $17,250

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

$4,711/mo
Principal & interest$3,547
Property taxes$527
Home insurance (est.)$225
HOA fees$411
%
$135,000
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

Cove Point Lodge 4576 Cove Side Cottages #410, Beaver Bay, MN, 55616

Listing information

MLS #NST7136347
StatusActive
Last updatedSep 14, 2026, 10:02 PM
Originally listedSep 1, 2026, 3:28 PM
Listing officeeXp Realty
Co-listing officeeXp 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.