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46019 Highway 47 #5, Isle, MN, 56342

1beds
1baths
400sqft
$99,900
$250price/sqft
$811/moest. monthly cost
$32,440/yrincome needed

About This Home

Beautiful Park model on lot #5 at Sunset Bay Resort in Isle on Lake Mille Lacs prime lot close to the water! The sellers have put in new air conditioner in 2023, New flooring in the Living room, Dining and Kitchen. A beautiful backsplash all new window treatments and some lighting. The living room has 2 new couches with pull out beds. Outside you will find the Grill, table and chairs and the gated park has a community room with game room, laundry facilities, fish cleaning station, bathhouse, child play area and a marina in a protected harbor! There is a clean sandy beach to enjoy and watch the amazing sunsets!! The association dues are $120.00 per month. Come enjoy the amazing activities in the Mille Lacs Lakes area!!! The sellers have paid for a boat slip this year but per the association it does not go with the sale and the new buyer will need to apply to obtain one and maybe on a wait list which is not long at the present time.4/10/2026.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Isle Elementary SchoolGrades PK-65.7 mi
4/10
Isle SecondaryGrades 7-125.7 mi

Construction

Condition

  • Year built: 2006

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Exhaust Fan,Microwave,Range,Refrigerator
  • Laundry features: Common Area

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 72
  • Dimensions: 8X9

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Deck

  • Level: Main

Dining Room

  • Level: Main

Features

  • Fireplace features: Electric Log
  • Finished area below ground: 0
  • Finished area above ground: 400

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 400
  • Total interior livable area: 400 sqft

Kitchen

  • Level: Main
  • Area: 80
  • Dimensions: 8X10

Living Room

  • Level: Main
  • Area: 135
  • Dimensions: 15X9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 051300050
  • Zoning description: Residential-Single Family
  • Foundation area: 400

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Bay,Lake,Panoramic,West
  • Has water view: Yes
  • Water view: Bay,Lake
  • On waterfront: Yes
  • Waterfront features: Association Access,Dock,Lake Front,Shared,Waterfront Elevation(0-4),Lake Bottom(Excellent Sand)
  • Frontage length: Water Frontage: 700

Lot

  • Lot size: 958.32 sqft
  • Lot size dimensions: common

Parking

  • Parking features: Storage

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Hail
Lightning
Tornado
Wildfire
Winter Weather

FEMA Declared Disasters in Mille Lacs 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 $505$6,060
Home Insurance *$57$684
Property Taxes $79$948
Electricity $170$2,050
Total$811$9,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,805/yr
40% on housing$24,330/yr
45% on housing$21,626/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 56342$91
Mille Lacs County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 56342
Mille Lacs County$189

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-06Price change$115,900
2025-08-22Listed for sale$119,900
2023-05-11Sold$105,000
2023-03-27Pending sale$109,900
2023-03-23Listed for sale$109,900

For Sale by Agent

AgentDebbie Rudnitski
BrokerageRE/MAX Advantage Plus

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