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4328 460th St #30, Isle, MN, 56342

1beds
1baths
400sqft
$86,900
$217price/sqft
$728/moest. monthly cost
$29,120/yrincome needed

About This Home

Get ready to end every day with a front-row seat to the most awesome sunsets on Mille Lacs Lake! Welcome to Breakers of Sunset Bay, a private, gated lakeside community where ownership means total relaxation. The entire beautiful property spans 8 acres and boasts just under 700 feet of gorgeous shoreline right on the bay. This is your chance to own a piece of paradise where you can enjoy world-class fishing, a clean sandy swimming beach and no yard work. This bright, clean park model comes fully furnished and is move-in ready. It features a smart layout, including a loft, which easily fits 4 to 6 guests. Everything you need is already here, including dishes and housewares. Plus, it features central air, brand new skirting and has been freshly leveled, so it is in tip-top shape and ready for you to enjoy on day one. Breakers community is made up of 49 individually owned RV sites and wonderful common areas equally owned by all Association members. You'll have full access to the newly remodeled (2022) Lodge/Community Room, which features a fun game room, fireplace, bar, tables, chairs (indoor and outdoor). Shared laundry facilities, a bathhouse, handy garage and storage buildings, and a child play area. For lake lovers, there is a convenient fish cleaning station and a private marina tucked into a protected harbor with a boat launch and sturdy docks. Boat slips are available for a separate fee. Best of all, the low monthly dues cover lawn mowing, water, septic, and free Wi-Fi (with cable TV and phone lines optional). That means you can spend your weekends relaxing on the lake instead of doing chores. Located just 90 minutes from the Twin Cities, this is the ultimate maintenance-free getaway. Schedule your viewing today and come enjoy all the great activities the area has to offer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
Isle Elementary SchoolGrades PK-65.8 mi
4/10
Isle SecondaryGrades 7-125.8 mi

Construction

Condition

  • Year built: 2006

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator
  • Laundry features: Common Area,Laundry Room,Coin-op Laundry Owned

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 400

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Window Unit(s)

Interior Area

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

Kitchen

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 051300300
  • Zoning description: Shoreline,Residential-Single Family
  • Foundation area: 1002

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Lake,West
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake View,Shared,Lake Bottom(Rocky,Sand,Soft)
  • Frontage length: Water Frontage: 700

Lot

  • Lot size: 1,000 sqft
  • Lot size dimensions: 25 x 40

Parking

  • Parking features: Assigned,Guest,Parking Lot

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 $439$5,268
Home Insurance *$50$600
Property Taxes $69$828
Electricity $170$2,050
Total$728$8,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,960/yr
40% on housing$21,840/yr
45% on housing$19,413/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

$217This 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
2026-07-26Price change$86,900
2026-06-23Price change$91,900
2026-05-30Price change$99,900
2026-03-21Listed for sale$105,000
2026-02-11Listing removed$105,000
2025-08-21Listed for sale$105,000
2023-06-08Sold$86,000
2023-04-05Pending sale$84,998
2023-01-03Listed for sale$84,998

For Sale by Agent

AgentDanella Swanson Munoz
BrokerageCounselor Realty, Inc.

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