




5298 Long Is, Tower, MN, 55790
About This Home
Charming A-frame cabin on Long Island in Lake Vermilion offering 487 feet of shoreline and approximately 2.0 acres with water access on two sides. Built in 2019, this 20x24 cabin with a 10x12 loft features one bedroom plus additional sleeping space, new electric service, and a functional setup including a mini fridge and mini freezer. The property is located in a protected bay off Stuntz Bay, providing reliable access even in less favorable weather conditions and just a short 5-minute boat ride from the mainland. The cabin offers a warm, modern-rustic feel with vaulted ceilings and natural wood finishes, creating a comfortable retreat for extended stays or seasonal use. An outhouse is on site, and the property has been approved for septic installation with two potential locations identified, offering excellent future improvement potential. A separate 12x20 sauna and sitting room building is framed and weather-tight, with construction started in 2025. The 8x12 sauna area is ready for completion and includes a Lamppa Manufacturing sauna stove (not yet installed). The additional space provides flexibility for a gathering area, lounge, or recreation space. Docking includes a Pier of d’Nort tip-in dock extending approximately 24 feet beyond the platform, ideal for boating and enjoying the lake. The property offers excellent fishing and a peaceful Northwoods setting with mature white pine trees, 200+ year old cedar trees, and natural privacy. Additional features include a private archaeological site located on the property, adding unique historical character. With low monthly electric costs and reasonable property taxes, this property presents a strong opportunity as a seasonal retreat or potential vacation rental.
Getting Around
Schools
Construction
Condition
- Year built: 2019
Materials
- Roof: Metal
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Freezer,Refrigerator
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 1/4 bathrooms: 1
Features
- Flooring: Other
Heating & Cooling
- Heating features: Wall,Electric
- Cooling features: None
Interior Area
- Total interior livable area: 600 sqft
Property
Features
- Exterior features: Vinyl
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
Lot
- Lot size: 2 Acres
Parking
- Parking features: 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
- Winter Weather
- Heat Wave
- Inland Flooding
- Lightning
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in St. Louis 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 | $1,390 | $16,680 |
| Home Insurance * | $180 | $2,160 |
| Property Taxes | $233 | $2,796 |
| Electricity | $170 | $2,050 |
| Total | $1,973 | $23,676 |
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 $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Listed for sale | $339,000 |
