40699 Mary Lake Rd, Emily, MN, 56447
About This Home
Mary Lake – 200' of Prime Lakeshore. Enjoy lake life at its best with this fetching cabin just steps from the water! Nestled on nearly 1 acre along 200 feet of level frontage with crystal-clear water and a hard sand beach—ideal for swimming, relaxing, and lake activities. This well-maintained cabin features fresh paint inside and out, along with recent updates including a newer roof, septic system, fence, and mechanicals. The layout includes additional sleeping areas such as the upper loft area that functions as a 2nd bedroom, making it perfect for family getaways or hosting guests. Located on the peaceful eastern shore of Mary Lake, this property was once part of a historic resort and offers stunning sunset views across the water. Whether you're looking for a weekend retreat, a rental opportunity, or a spot to build your dream lake home, this parcel provides flexibility and value. Don't miss this unique opportunity to own a slice of lakefront paradise! Some photos virtually staged.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Roof: Age 8 Years or Less
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Cooktop,Dryer,Microwave,Refrigerator,Washer
Basement
- Has basement: Yes
- Basement: Crawl Space
Bedroom
- Level: Upper
- Area: 210
- Dimensions: 15x14
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Deck
- Level: Main
- Area: 128
- Dimensions: 16x8
Features
- Number of fireplaces: 1
- Fireplace features: Electric,Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,040
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,040
- Total interior livable area: 1,040 sqft
Kitchen
- Level: Main
- Area: 64
- Dimensions: 8x8
Living Room
- Level: Main
- Area: 288
- Dimensions: 18x16
Loft
- Level: Upper
- Area: 128
- Dimensions: 16x8
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 74300521
- Zoning description: Residential-Single Family
- Foundation area: 488
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- Fencing: Chain Link
- On waterfront: Yes
- Waterfront features: Lake Front,Lake Bottom(Hard,Sand)
- Frontage length: Water Frontage: 200
Lot
- Lot size: 0.89 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: irregular
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
- Cold Wave
- Inland Flooding
- Hail
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Crow Wing County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,274 | $27,288 |
| Home Insurance * | $196 | $2,352 |
| Property Taxes | $133 | $1,596 |
| Electricity | $170 | $2,050 |
| Total | $2,773 | $33,276 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-10 | Listed for sale | $474,900 |
| 2025-10-28 | Listing removed | $474,900 |
| 2025-08-27 | Price change | $474,900 |
| 2025-07-31 | Listed for sale | $499,000 |
| 2022-11-14 | Sold | $460,000 |
| 2022-10-05 | Pending sale | $464,900 |
| 2022-08-23 | Price change | $464,900 |
| 2022-08-08 | Price change | $474,900 |
| 2022-07-18 | Price change | $479,900 |
| 2022-07-06 | Price change | $484,900 |
| 2022-06-29 | Price change | $489,900 |
| 2022-06-23 | Price change | $499,900 |
| 2022-06-15 | Listed for sale | $510,000 |
| 2021-11-05 | Sold | $499,900 |
| 2021-10-04 | Pending sale | $499,900 |
| 2021-09-22 | Listed for sale | $499,900 |
| 2019-06-14 | Sold | $201,000 |
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