19520 Blue Ln E, Emily, MN, 56447
About This Home
One-owner cabin on Blue Lake in Emily, MN with 175 feet of frontage and 1.34 acres. Built in 1986, this 2 bed, 1 bath property offers 1,872 finished sq ft and a true up-north feel with oak floors and pine tongue-and-groove walls. Lakeside windows (2020) provide excellent natural light and water views. Kitchen features a granite island, and the living room includes a wood-burning stove. Electric baseboard heat added in 2020 for extended seasonal or year-round use. The upper-level bedroom offers a spacious layout (35'1" x 15'10"), providing flexible sleeping arrangements or additional living space. Approximately 30 steps lead to a sandy beach area with dock included. Blue Lake spans 177.32 acres with a maximum depth of 48 feet and no public access, offering a more private, quiet lake setting ideal for recreation. Currently zoned seasonal recreational, with comfortable year-round potential.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1986
Materials
- Roof: Age Over 8 Years,Asphalt
- Construction materials: Block,Concrete
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Refrigerator,Washer
- Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Daylight,Drain Tiled,Egress Window(s),Partially Finished,Walk-Out Access
Bathroom
- Level: Main
- Area: 87.8056
- Dimensions: 9'1x9'8
Bedroom
- Level: Main
- Area: 144.9861
- Dimensions: 11'11x12'2
Bedroom2
- Level: Upper
- Area: 555.4861
- Dimensions: 35'1x15'10
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: Main
- Area: 406.25
- Dimensions: 16'3x25'
Features
- Number of fireplaces: 1
- Fireplace features: Wood Burning,Wood Burning Stove
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,872
Heating & Cooling
- Heating features: Baseboard,Wood Stove
- Cooling features: None
Interior Area
- Total structure area: 2,186
- Total interior livable area: 2,186 sqft
Kitchen
- Level: Main
- Area: 109.25
- Dimensions: 11'6x9'6
Mud Room
- Level: Main
- Area: 40.2778
- Dimensions: 9'8x4'2
Other
- Level: Lower
- Area: 792.4375
- Dimensions: 23'3x34'1
Sauna
- Level: Main
- Area: 26.3611
- Dimensions: 6'1x4'4
Screened Porch
- Level: Main
- Area: 302.8889
- Dimensions: 19'4x15'8
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 21170551
- Zoning description: Residential-Single Family
- Foundation area: 782
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Deck,Enclosed,Screened,Side Porch
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(15-26),Lake Bottom(Sand)
- Frontage length: Water Frontage: 173
Lot
- Lot size: 1.34 Acres
- Features: Accessible Shoreline,Tree Coverage - Light
- Lot size dimensions: 199 x 322 x 173 x 338
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 | $2,907 | $34,884 |
| Home Insurance * | $251 | $3,012 |
| Property Taxes | $345 | $4,140 |
| Electricity | $184 | $2,212 |
| Total | $3,687 | $44,244 |
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 |
|---|---|---|
| 2026-05-01 | Listed for sale | $650,000 |
View on Zillow