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7359 Oak Narrows Shore N, Cook, MN, 55723

2beds
1baths
972sqft
$629,500
$648price/sqft
$3,867/moest. monthly cost
$154,680/yrincome needed

About This Home

Private lakefront retreat on over 2 acres with approximately 500 feet of shoreline and a beautiful sandy beach. The main cottage features 2 bedrooms, pine tongue-and-groove paneling throughout, hardwood floors, an open-concept layout, bath with walk-in shower, washer/dryer, soaring ceilings, sleeping loft,and abundant natural light. A separate guest cabin offers 1 bedroom, a full bathroom, kitchenette, pine tongue-and-groove finishes, and soaring ceilings—perfect for family and visitors. Both buildings are connected by expansive wraparound decks, creating ideal outdoor living spaces to enjoy the stunning waterfront setting. Mature trees provide exceptional privacy, while the level lot offers easy access to the shoreline. Conveniently located just minutes from access, this property combines seclusion with accessibility. A rare opportunity to own a private waterfront getaway with extensive lakeshore frontage and exceptional natural beauty. Being sold fully furnished!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
6/10
Northeast Range SecondaryGrades 7-1227.8 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2003

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Log,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Log
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater-Electric,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level,Dryer Hook-Ups,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: N/A

Bathroom

  • Level: Main
  • Area: 64
  • Dimensions: 8 x 8

Bedroom

  • Level: Main
  • Area: 120
  • Dimensions: 10 x 12

Bedroom

  • Level: Main
  • Area: 96
  • Dimensions: 8 x 12

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Vaulted Ceilings
  • Door features: Patio Door
  • Flooring: Hardwood Floors
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 972

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 972 sqft

Living Room

  • Level: Main
  • Area: 374
  • Dimensions: 17 x 22

Loft

  • Level: Upper
  • Area: 96
  • Dimensions: 6 x 16

Property

Details

  • Parcel number: 387031100100
  • Foundation area: 864

Features

  • Patio & porch: Deck
  • Exterior features: Dock
  • Has view: Yes
  • View description: Inland Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Inland Lake,Waterfront Access(Private),Shoreline Characteristics(Sand,Shore-Accessible)
  • Waterbody name: Vermilion
  • Frontage length: 500

Lot

  • Lot size: 2.40 Acres
  • Features: Accessible Shoreline,Tree Coverage - Medium,Level
  • Lot size dimensions: 465 x 272

Parking

  • Parking features: Gravel,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
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Heat Wave
Lightning
Wildfire

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
Flood
Severe Storm
Straight Line Winds

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

MonthlyAnnual
Mortgage $3,183$38,196
Home Insurance *$186$2,232
Property Taxes $328$3,936
Electricity $170$2,050
Total$3,867$46,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,582/yr
40% on housing$116,010/yr
45% on housing$103,120/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

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.

Insurance Growth Rate5-year average: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$648This listing

vs Other Active Listings

Avg $/sqft

ZIP 55723$260
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55723
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Price change$629,500
2026-06-16Listed for sale$639,500
2006-11-06Sold$379,000
2003-08-06Sold$78,000

For Sale by Agent

AgentBarb Hegg
BrokerageVermilion Land Office, Inc

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