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6158 W Bay Rd, Makinen, MN, 55763

1beds
1baths
384sqft
$125,000
$326price/sqft
$1,039/moest. monthly cost
$41,560/yrincome needed

About This Home

This is the affordable and adorable lake lot you have been dreaming of on the beloved Long Lake in Makinen, MN; Darling cottage for overnights that is recently renovated and DARLING! Also a bunk house with beds for more company accommodation's or storage. There is privacy galore on this little point, with no houses to look at across the lake, just gorgeous wildlife and land! There are stairs to the lake and a 40' dock included with the sale. You have found your PLACE! Call today for your personal tour!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
4/10
South Ridge SecondaryGrades 7-1225.8 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1993

Materials

  • Foundation: Other
  • Construction materials: Vinyl,Other - See Remarks

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes

Bedroom

  • Level: Main
  • Area: 64
  • Dimensions: 8 x 8

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 384

Heating & Cooling

  • Heating features: None,Propane
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 384 sqft

Kitchen

  • Level: Main
  • Area: 50
  • Dimensions: 5 x 10

Living Room

  • Level: Main
  • Area: 64
  • Dimensions: 8 x 8

Property

Details

  • Parcel number: 676001500280/00270

Features

  • Has view: Yes
  • View description: Inland Lake,Bay
  • Has water view: Yes
  • Water view: Lake,Bay
  • On waterfront: Yes
  • Waterfront features: Inland Lake,Waterfront Access(Private),Shoreline Characteristics(Elevation-Other)
  • Waterbody name: Long Lake
  • Frontage length: 185

Lot

  • Lot size: 0.27 Acres
  • Lot size dimensions: 60 x 73 x 140 x 185

Parking

  • Parking features: None,None

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
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
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 $632$7,584
Home Insurance *$131$1,572
Property Taxes $106$1,272
Electricity $170$2,050
Total$1,039$12,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,622/yr
40% on housing$31,170/yr
45% on housing$27,706/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$326This listing

vs Other Active Listings

Avg $/sqft

ZIP 55763$265
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55763
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-08Price change$131,900
2026-04-21Listed for sale$134,900
2025-12-15Listing removed$134,900
2025-08-29Listed for sale$134,900

For Sale by Agent

AgentDarcie Rae Novak
BrokerageMy Place Realty, Inc.

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