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14488 Pine Bay Trl, Crosslake, MN, 56442

3beds
2baths
2,314sqft
$1,099,000
$475price/sqft
$6,852/moest. monthly cost
$274,080/yrincome needed

About This Home

Absolute privacy with this very unique property boasting nearly 900 feet of shoreline with 2.1 acres on Daggett Lake! This custom built Full Log Home offers three bedrooms and two baths, custom kitchen, log beamed vaulted ceiling, large loft area for anything, two wood burning fireplaces with stone accents. Great full length covered deck for entertaining. Storage shed, in ground irrigation, low voltage lighting to accent the amazing yard with massive fire pit on the point. Property does have a current rental license with the city and abuts up to 6 plus acres of Unites States Land that abuts up to 686 acres of Crow Wing County Forest. Dead end road for extra privacy! This is the true Up-North Cabin Retreat.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
6/10
8/10

Construction

Condition

  • Year built: 1981

Materials

  • Roof: Age Over 8 Years,Metal,Pitched
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Rented
  • Laundry features: Electric Dryer Hookup,Lower Level,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Egress Window(s),Finished,Full,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Bedroom2

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Bedroom3

  • Level: Lower
  • Area: 224
  • Dimensions: 16x14

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • 3/4 bathrooms: 2

Family Room

  • Level: Lower
  • Area: 285
  • Dimensions: 19x15

Features

  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room,Stone,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 936
  • Finished area above ground: 1,378

Game Room

  • Level: Lower
  • Area: 195
  • Dimensions: 15x13

Heating & Cooling

  • Heating features: Baseboard,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total structure area: 2,314
  • Total interior livable area: 2,314 sqft

Kitchen

  • Level: Main
  • Area: 195
  • Dimensions: 15x13

Living Room

  • Level: Main
  • Area: 273
  • Dimensions: 21x13

Loft

  • Level: Upper
  • Area: 442
  • Dimensions: 26x17

Utility Room

  • Level: Lower
  • Area: 168
  • Dimensions: 14x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 14160661
  • Zoning description: Shoreline,Residential-Single Family
  • Foundation area: 936

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Deck
  • Has view: Yes
  • View description: Bay,Lake,North,Panoramic
  • Has water view: Yes
  • Water view: Bay,Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(0-4),Lake Bottom(Sand,Soft,Undeveloped,Weeds)
  • Frontage length: Water Frontage: 878

Lot

  • Lot size: 2.10 Acres
  • Features: Accessible Shoreline,Irregular Lot,Island/Peninsula,Property Adjoins Public Land
  • Lot size dimensions: 120 x 680 x irr.

Parking

  • Parking features: Gravel

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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Crow Wing 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 $5,557$66,684
Home Insurance *$441$5,292
Property Taxes $659$7,908
Electricity $195$2,341
Total$6,852$82,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$234,925/yr
40% on housing$205,560/yr
45% on housing$182,720/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$475This listing

vs Other Active Listings

Avg $/sqft

ZIP 56442$230
Crow Wing County$206

vs Homes Sold Last Month

Median $/sqft

ZIP 56442$330
Crow Wing County$204

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)

Price History

DateEventPrice
2026-04-30Listed for sale$1,099,000
2026-04-30Listing removed$1,099,000
2026-01-27Price change$1,099,000
2025-12-12Price change$1,185,000
2025-11-28Listed for sale$1,295,000
2011-11-17Sold$275,000
2011-10-08Listed for sale$282,150

For Sale by Agent

AgentBrett Anderson
BrokerageKurilla Real Estate LTD

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