3071 Black Bay Rd, Cook, MN, 55723
About This Home
Do not miss this beautiful tree filled property on the highly desirable Lake Vermilion. This nicely updated cabin is conveniently located just minutes from Cook, MN. This property features a 2-bedroom 1 bathroom cabin and a 2-bedroom 1 bathroom bunkhouse above the detached garage. Both spaces have natural woodwork, vaulted ceilings, and kitchens. The cabin has a large deck with beautiful views of the lake and the sun going down. A separate lakeside wood fired sauna and screen porch add to the enjoyment. This lot gradually flows to lake and has 130ft of shoreline. This property comes with the two rolling docks. Most furnishings are included in sale.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1985
Materials
- Roof: Age 8 Years or Less,Asphalt,Metal
- Construction materials: Frame,ICFs (Insulated Concrete Forms)
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Cooktop,ENERGY STAR Qualified Appliances,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator
- Laundry features: None
Basement
- Has basement: Yes
- Basement: Crawl Space,Unfinished
Bathroom
- Level: Main
- Area: 56
- Dimensions: 8x7
Bathroom
- Level: Upper
- Area: 48
- Dimensions: 8x6
Bedroom
- Level: Main
- Area: 81
- Dimensions: 9x9
Bedroom2
- Level: Main
- Area: 100
- Dimensions: 10x10
Bedroom3
- Level: Upper
- Area: 130
- Dimensions: 13x10
Bedroom4
- Level: Upper
- Area: 110
- Dimensions: 11x10
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- 3/4 bathrooms: 2
Dining Room
- Level: Main
- Area: 400
- Dimensions: 20x20
Family Room
- Level: Main
Family Room
- Level: Upper
- Area: 240
- Dimensions: 16x15
Features
- Number of fireplaces: 1
- Fireplace features: Circulating,Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,740
Heating & Cooling
- Heating features: Ductless Mini-Split,Fireplace(s),Space Heater
- Cooling features: Ductless Mini-Split
Interior Area
- Total structure area: 2,520
- Total interior livable area: 2,520 sqft
Kitchen
- Level: Main
Kitchen
- Level: Upper
- Area: 80
- Dimensions: 10x8
Living Room
- Level: Main
- Area: 156
- Dimensions: 13x12
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 250004000410
- Zoning description: Residential-Single Family
- Other equipment: Fuel Tank - Owned
- Wooded area: 10890
- Foundation area: 1000
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Composite Decking,Deck,Front Porch
- Has view: Yes
- View description: Bay,West
- Has water view: Yes
- Water view: Bay
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(15-26),Lake Bottom(Reeds,Soft,Weeds)
- Frontage length: Water Frontage: 130
Lot
- Lot size: 0.62 Acres
- Features: Accessible Shoreline,Tree Coverage - Medium
- Lot size dimensions: 125 x 205 x 130 x 258
Parking
- Total spaces: 2
- Parking features: Detached Garage,Gravel,Electric,Floor Drain,Heated Garage,Insulated Garage,No Int Access to Dwelling,Secured,Storage,Tuckunder Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Inland Flooding
- Heat Wave
- 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 | $3,286 | $39,432 |
| Home Insurance * | $186 | $2,232 |
| Property Taxes | $493 | $5,916 |
| Electricity | $212 | $2,550 |
| Total | $4,177 | $50,124 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Listed for sale | $675,000 |
| 2025-10-13 | Listing removed | $675,000 |
| 2025-08-08 | Price change | $675,000 |
| 2025-07-21 | Price change | $699,900 |
| 2025-06-27 | Listed for sale | $749,900 |
| 2002-07-10 | Sold | $132,000 |
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