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785 W Isle St, Isle, MN, 56342

1beds
1baths
782sqft
$155,000
$198price/sqft
$1,232/moest. monthly cost
$49,280/yrincome needed

About This Home

Charming country retreat with room to grow! This 820 sq ft, 1-bedroom, 1-bath home sits on a spacious 3-acre lot, offering the perfect blend of privacy and convenience with city water and sewer already in place. The property features a large 28x44 garage—ideal for storage, hobbies, or a workshop—and a huge yard with endless possibilities for expansion, recreation, or creating your dream outdoor space. Located in a quiet area, this property also offers direct access to the Soo Line Trail right from your land—perfect for ATV riding, snowmobiling, biking, or simply enjoying the outdoors year-round. Whether you’re looking for a peaceful getaway, a starter home, or a property with potential to make your own, this one checks all the boxes. Don’t miss this opportunity to own acreage with convenience and adventure at your doorstep!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

6/10
Isle Elementary SchoolGrades PK-60.3 mi
4/10
Isle SecondaryGrades 7-120.3 mi

Construction

Condition

  • Year built: 1935

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Hardwood

Heating

  • Heating features: Oil

Interior Area

  • Total interior livable area: 782 sqft

Property

Details

  • Parcel number: 201630250

Features

  • Exterior features: Shingle,Vinyl

Lot

  • Lot size: 3 Acres

Parking

  • Parking features: Garage - Attached

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 $783$9,396
Home Insurance *$89$1,068
Property Taxes $190$2,280
Electricity $170$2,050
Total$1,232$14,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,240/yr
40% on housing$36,960/yr
45% on housing$32,853/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

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 56342$88
Mille Lacs County$138

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
2026-08-15Pending sale$155,000
2026-07-29Listed for sale$155,000

For Sale by Owner

AgentProperty Owner

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