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1383 Kelly Trail, Isabella, MN, 55607

2beds
2baths
1,242sqft
$220,000
$177price/sqft
$1,476/moest. monthly cost
$59,040/yrincome needed

About This Home

Northwoods Dream with Stony River Views! Tucked away in the towering pines of Isabella, MN, this newer 2BR, 2BA one-level home on 10 private, wooded acres is your ultimate escape. Enjoy peaceful views of the Stony River right from your open-concept living, dining, and kitchen area—designed to bring the outdoors in. Knotty pine tongue-and-groove throughout adds that cozy Up North charm, while a spacious primary suite features a deep soaking tub made for relaxing after a day on the trails. A large garage/workshop gives you space to build, tinker, or store all your toys. Dual heat options (propane and wood), a metal roof and siding for low maintenance, and a covered front porch to sit back and take it all in. Room for gardens, animals, and endless adventure. Fish the river out your back door, or hit nearby lakes, snowmobile and ATV trails. Wildlife lovers—this is bear, moose, grouse, and deer country! Live wild, live well—this is the place.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Minnehaha Elementary SchoolGrades PK-545.9 mi
7/10
Two Harbors SecondaryGrades 6-1244.1 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2019

Materials

  • Roof: Metal
  • Construction materials: Steel Siding,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater-Electric,Dryer,Refrigerator,Washer

Bedroom

  • Level: Main
  • Area: 171.99
  • Dimensions: 14.7 x 11.7

Bedroom

  • Level: Main
  • Area: 112.8
  • Dimensions: 12 x 9.4

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,242

Heating & Cooling

  • Heating features: Forced Air,Wood,Propane
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,242 sqft

Kitchen

  • Level: Main
  • Area: 148.5
  • Dimensions: 13.5 x 11

Laundry

  • Level: Main
  • Area: 78.75
  • Dimensions: 7.5 x 10.5

Living Room

  • Level: Main
  • Area: 148.5
  • Dimensions: 13.5 x 11

Porch

  • Level: Main
  • Area: 72
  • Dimensions: 8 x 9

Property

Details

  • Parcel number: 20601018160,18140
  • Zoning description: Residential

Features

  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • Waterfront features: Waterfront Access(Private)

Lot

  • Lot size: 10 Acres
  • Lot size dimensions: 644.00 x 506.00

Parking

  • Total spaces: 4
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather
Inland Flooding
Wildfire
Tsunami

FEMA Declared Disasters in Lake County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,112$13,344
Home Insurance *$150$1,800
Property Taxes $44$528
Electricity $170$2,050
Total$1,476$17,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,605/yr
40% on housing$44,280/yr
45% on housing$39,360/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.9%
16.9%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 55607$55
Lake County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 55607
Lake County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-12Listed for sale$220,000
2025-12-27Listing removed$240,000
2025-10-05Price change$240,000
2025-08-02Price change$259,000
2025-07-23Price change$274,000
2025-06-26Listed for sale$279,000

For Sale by Agent

AgentAndrea Zupancich
BrokerageZ' Up North Realty

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