4646 W Pioneer Rd, Duluth, MN, 55803
About This Home
Welcome to the lake life! This premiere property offers plenty of privacy, with a boatload of options! You'll enjoy having 630’ of private shoreline on Mirror Lake with just over 6 acres to explore. A short 20 minute drive from Downtown Duluth, & the Miller Hill area makes this a convenient location with many possibilities. This one of kind property offers a variety of living arrangements & beautiful lake views with endless sunsets. Whether you’re looking for traditional single family, multi-generational, or a place with some vacation rental potential, this one could have it all. The layout is amazing and the views are incredible! There’s plenty of garage space and bonus storage available in the heated workshop. The house has two levels with a basement walk-out to the lake, and 4 surrounding decks to relax on & enjoy. There have been a variety of updates completed over the years. If you’re looking for a large waterfront property within 20 minutes of downtown, this is a must see! Located just a short distance from Fish and Island lake public access points, along with many other nearby, lakes and trails. There are also a couple private trails on the property that could be opened up to enjoy. Schedule your showing and explore the possibilities. (Rental capacities to be confirmed with Gnesen township).
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Previously Owned
- Year built: 1935
Materials
- Foundation: Wood
- Construction materials: Wood,Frame/Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Partial,Partially Finished
Bedroom
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 8
- Full bathrooms: 6
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Features
- Number of fireplaces: 3
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 2,858
- Finished area above ground: 3,596
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: None
Interior Area
- Total interior livable area: 6,454 sqft
Kitchen
- Level: Main
- Area: 440
- Dimensions: 22 x 20
Living Room
- Level: Main
- Area: 440
- Dimensions: 22 x 20
Master Bedroom
- Level: Main
- Area: 210
- Dimensions: 14 x 15
Rec Room
- Level: Basement
Property
Details
- Parcel number: 375001005892
- Foundation area: 2516
Features
- On waterfront: Yes
- Waterfront features: Inland Lake,Waterfront Access(Private),Shoreline Characteristics(Elevation-Low)
- Waterbody name: Mirror
- Frontage length: 630
Lot
- Lot size: 6.64 Acres
- Lot size dimensions: 312 x 500
Parking
- Total spaces: 6
- Parking features: Asphalt,Detached
- Has garage: Yes
- Attached garage spaces: 6
- Covered spaces: 6
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
- Lightning
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 | $3,842 | $46,104 |
| Home Insurance * | $182 | $2,184 |
| Property Taxes | $670 | $8,040 |
| Electricity | $544 | $6,532 |
| Total | $5,238 | $62,856 |
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 |
|---|---|---|
| 2026-05-07 | Price change | $774,900 |
| 2026-04-14 | Price change | $799,000 |
| 2026-03-26 | Listed for sale | $825,000 |
| 2025-06-01 | Listing removed | $850,000 |
| 2025-05-15 | Price change | $850,000 |
| 2025-05-09 | Price change | $859,900 |
| 2025-04-15 | Price change | $864,999 |
| 2024-12-17 | Price change | $869,999 |
| 2024-12-04 | Price change | $874,900 |
| 2024-11-14 | Price change | $879,999 |
| 2024-11-02 | Price change | $889,999 |
| 2024-10-03 | Price change | $899,999 |
| 2024-09-22 | Price change | $917,499 |
| 2024-09-10 | Price change | $924,900 |
| 2024-08-29 | Price change | $934,900 |
| 2024-08-22 | Price change | $944,900 |
| 2024-08-13 | Price change | $949,900 |
| 2024-08-03 | Price change | $959,900 |
| 2024-07-27 | Price change | $974,900 |
| 2024-07-11 | Price change | $999,999 |
| 2024-06-29 | Price change | $1,049,900 |
| 2024-06-19 | Price change | $1,074,900 |
| 2024-05-31 | Listed for sale | $1,100,000 |
| 2020-12-22 | Sold | $648,900 |
| 2018-09-06 | Sold | $475,000 |
| 2010-10-03 | Listing removed | $450,000 |
| 2010-02-28 | Listed for sale | $450,000 |
| 2003-11-17 | Sold | $168,000 |
For Sale by Agent
View on Zillow