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14048 Lauder Blvd, Ely, MN, 55731

0beds
0baths
465sqft
$194,900
$419price/sqft
$1,427/moest. monthly cost
$57,080/yrincome needed

About This Home

Adorable seasonal cabin nestled among the trees with approximately 20’ of Fall Lake shoreline! Charming seasonal cabin nestled among the trees with approximately 20’ of Fall Lake shoreline! This cozy Up North retreat features a galley-style kitchen, open-concept dining and living area, hardwood floors, beautiful natural light, a freestanding wood stove, electric off-peak heat, and a composting toilet. A loft currently serves as a bedroom, while the living area also offers built-in nooks perfect for cozy reading spaces or additional sleeping and storage. Relax in the 3-season porch or entertain on the partial wraparound deck leading to the fire pit. Create your own trail to the lake or drive down using the easement access, where a small dock provides space for a small boat or canoe. Separate bathhouse with sauna, shower, pedestal sink, and second composting toilet. Includes a 10x12 storage shed and carport. No well or septic—carry water in/out. Rustic charm with endless potential!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

Construction

Materials

  • Construction materials: Shingles,Wood Siding,Wood Frame

Type & Style

  • Home type: Condo
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Electric Range,Microwave,Refrigerator

Basement

  • Basement: None

Bedroom1

  • Level: Upper
  • Area: 90

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: 1 Fireplace,Free Standing,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Dual Fuel/Off Peak,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 465
  • Total interior livable area: 465 sqft

Kitchen

  • Area: 63

Living Room

  • Level: Main
  • Area: 234

Property

Details

  • Parcel number: 28637518160

Features

  • Levels: One Story and a Loft
  • Patio & porch: Deck,Porch
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Waterbody name: Fall Lake

Lot

  • Lot size: 1.12 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 260 x 220

Parking

  • Parking features: None
  • Has garage: Yes

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 $985$11,820
Home Insurance *$166$1,992
Property Taxes $106$1,272
Electricity $170$2,050
Total$1,427$17,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,925/yr
40% on housing$42,810/yr
45% on housing$38,053/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

$419This listing

vs Other Active Listings

Avg $/sqft

ZIP 55731$218
Lake County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 55731
Lake County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-15Listed for sale$194,900
2021-08-24Sold$129,000

For Sale by Agent

AgentLiana Hway
Brokeragez' Up North Realty

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