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1819 Pine Street Rd, Ely, MN, 55731

3beds
3baths
2,344sqft
$839,000
$358price/sqft
$4,624/moest. monthly cost
$184,960/yrincome needed

About This Home

COMPLETELY renovated 2600 sqft Lake Home with 3 bdrm/3bath - fully furnished & professionally decorated home on 8 acres with multiple out buildings. Up north perfection! Some places ask you to slow down. Others simply make it impossible not to. Long before you reach the water's edge, something begins to change. The winding drive, towering pines and birch, and quiet stillness of the Northwoods gently replace the pace of everyday life. The air feels cleaner. The world grows quieter. By the time One Pine Lake comes into view, you realize you've arrived somewhere truly special. Nestled on just over 8 private wooded acres with 136 feet of beautiful sandy shoreline, this exceptional, fully furnished waterfront retreat offers something increasingly difficult to find—privacy without isolation, luxury without excess, and a place where every season invites you to relax. Thoughtfully curated and completely remodeled throughout. This home is being offered just as you see it. The home blends timeless Northwoods character with modern comfort. Designed for gathering as naturally as it is for quiet reflection, the residence offers nearly 2,400 square feet of finished living space featuring three bedrooms, two and a half bathrooms, a dedicated home office, two spacious living areas, and two fireplaces that create welcoming spaces throughout the year. The home has been professionally decorated and filled with unique treasures perfectly placed throughout. The beautifully designed kitchen boasts all new cabinets, countertops and new appliances. It serves as the heart of the home, opening effortlessly into inviting living spaces where expansive windows frame the surrounding forest and sparkling lake beyond. Every room has been thoughtfully designed to celebrate the natural beauty that surrounds it. Step through the French doors in the living room or the Primary bedroom ensuite, to the expansive deck and outdoor living spaces that become an extension of the home. Whether enjoying morning coffee overlooking the water, hosting family dinners beneath the trees, or simply listening to the loons call across the lake, every day offers another reminder of why people dream of owning a place like this. Complementing the home are 6 versatile accessory buildings, providing exceptional space for boats, snowmobiles, ATVs, workshop projects, recreational equipment, and hobbies. A new Well & pump, new engineered siding, compliant septic system, updated electrical, plumbing, new windows, tankless water heater, new appliances and flooring throughout, all adds to the property's long-term value and peace of mind. Located just minutes from the vibrant community of Ely and the world-renowned Boundary Waters Canoe Area Wilderness, this property offers easy access to dining, shopping, year-round recreation, and some of Minnesota's most treasured wilderness. Some homes are purchased for a season. Others become the place where families return year after year, traditions are created, and memories quietly become part of the landscape. Welcome to One Pine Lake. Welcome home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
7/10
Memorial Middle SchoolGrades 6-86.6 mi
9/10
Memorial SecondaryGrades 9-126.6 mi

Construction

Condition

  • Year built: 1952

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Freezer,Range,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer
  • Laundry features: Electric Dryer Hookup,Lower Level,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Drainage System,Egress Window(s),Finished,Full,Storage Space,Sump Basket,Sump Pump,Tile Shower

Bathroom

  • Level: Main
  • Area: 99.76
  • Dimensions: 8.6x11.6

Bathroom

  • Level: Main
  • Area: 23
  • Dimensions: 4.6x5

Bathroom

  • Level: Lower
  • Area: 54
  • Dimensions: 9x6

Bedroom

  • Level: Main
  • Area: 165.41
  • Dimensions: 13.9x11.9

Bedroom2

  • Level: Main
  • Area: 115.2
  • Dimensions: 9.6x12

Bedroom3

  • Level: Lower
  • Area: 102.01
  • Dimensions: 10.10x10.10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 142.8
  • Dimensions: 12x11.9

Family Room

  • Level: Lower
  • Area: 271.2
  • Dimensions: 12x22.6

Features

  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room,Wood Burning,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 1,172
  • Finished area above ground: 1,172

Heating & Cooling

  • Heating features: Baseboard,Boiler,Fireplace(s),Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 2,460
  • Total interior livable area: 2,344 sqft

Kitchen

  • Level: Main
  • Area: 108
  • Dimensions: 9x12

Laundry

  • Level: Lower
  • Area: 45
  • Dimensions: 9x5

Living Room

  • Level: Main
  • Area: 154.7
  • Dimensions: 13x11.9

Office

  • Level: Lower
  • Area: 116
  • Dimensions: 11.6x10

Sitting Room

  • Level: Main
  • Area: 163.2
  • Dimensions: 17x9.6

Sitting Room

  • Level: Lower
  • Area: 102.01
  • Dimensions: 10.10x10.10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 465014000070
  • Zoning description: Shoreline,Residential-Single Family
  • Other equipment: Fuel Tank - Owned
  • Foundation area: 1172

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Rear Porch
  • Fencing: None
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Dock,Lake Front
  • Frontage length: Water Frontage: 136

Lot

  • Lot size: 8.03 Acres
  • Features: Accessible Shoreline,Tree Coverage - Heavy
  • Lot size dimensions: 631 x 136 x 281 x 314 x 293 x 342 x 338 x 131

Parking

  • Total spaces: 2
  • Parking features: Attached,Covered,Detached Garage,Gravel,Asphalt,Garage,Heated Garage,Insulated Garage,Multiple Garages
  • 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
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Heat Wave
Inland Flooding
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 $4,242$50,904
Home Insurance *$166$1,992
Property Taxes $19$228
Electricity $197$2,372
Total$4,624$55,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,537/yr
40% on housing$138,720/yr
45% on housing$123,306/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

$358This listing

vs Other Active Listings

Avg $/sqft

ZIP 55731$210
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55731
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-01Listed for sale$839,000

For Sale by Agent

AgentDebbie L Decker
BrokerageKeller Williams Classic Rlty NW

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