3619X Trail Of Pines Rd, Pine River, MN, 56474
About This Home
Welcome to 36199 Trail of Pines — a rare lakeshore property on the pristine shores of Lower Hay Lake, seamlessly connected to the renowned Whitefish Chain of Lakes, offering 79 feet of shoreline. You're less than a 15 minute drive to all shopping, dining and additional amenities of the City of Pequot Lakes! With its premium sandy beachfront, gentle slope to the water, and sweeping panoramic sunset vistas, this lot delivers the quintessential Northwoods lakefront experience you've been dreaming of. The property includes several existing structures (including a cabin & carriage garage) that present flexible options for your plans. You can choose to preserve and thoughtfully renovate the current buildings or remove them entirely to unlock the full potential of the site for a brand-new, custom-designed lake home, tailored exactly to your dreams. Either path allows you to shape a legacy property that perfectly matches your lifestyle and vision. Bring your own builder, or work with a trusted, custom builder that we can connect you to! Your dream lake life awaits on Lower Hay Lake—one of the most coveted spots in the entire Whitefish Chain. Seize this extraordinary chance before it's gone! This is also a Lot and Land listing, refer to MLS #7026040.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1969
Materials
- Roof: Age 8 Years or Less,Pitched
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Basement
- Basement: None
Bedrooms & Bathrooms
- Bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 752
Heating & Cooling
- Heating features: None
- Cooling features: None
Interior Area
- Total structure area: 752
- Total interior livable area: 752 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: TBD
- Zoning description: Shoreline,Residential-Single Family
- Foundation area: 752
Features
- Levels: One
- Stories: 1
- Pool features: None
- Has view: Yes
- View description: Lake,Panoramic,South,West
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Lake View,Waterfront Elevation(0-4),Lake Bottom(Hard,Sand)
Lot
- Lot size: 0.58 Acres
- Features: Accessible Shoreline
- Lot size dimensions: 80 x 305 x 40 x 171 x 149
Parking
- Total spaces: 1
- Parking features: Detached Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Cold Wave
- Lightning
- Strong Wind
- Hail
- 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 | $4,297 | $51,564 |
| Home Insurance * | $511 | $6,132 |
| Property Taxes | $509 | $6,108 |
| Electricity | $170 | $2,050 |
| Total | $5,487 | $65,844 |
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 |
|---|---|---|
| 2026-03-09 | Listed for sale | $849,900 |
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