1804 N Bay Rd, Ely, MN, 55731
About This Home
Nestled approximately 12 miles south of Ely, this 3BR/3BA Birch Lake home sits on a 2.6-acre point, offering unparalleled views of Birch Lake from three sides. With 675 feet of accessible, user-friendly shoreline, with sandy beach. Huge living/dining room with a cozy wood-burning brick fireplace, lakeside room with vaulted ceilings and panoramic lake views, en-suite primary bedroom, main floor laundry, knotty pine cabin feel throughout for full Up North Cabin feels. Lower level has a roomy rec room and two other rooms used as bedrooms (non-egress) but great for a library, den, exercise room, etc. Outdoor bliss with large front deck, firepit, dock in a quite bay (great fishing shhh) and end of the road privacy. You'll love the sites, sounds, and fresh forest smells of this hidden retreat. Don't miss out!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Previously Owned
- Year built: 1987
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt Shingle
- Construction materials: Wood,Frame/Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Water Heater-Electric,Dryer,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Finished,Bath,Den/Office,Family/Rec Room
Bedroom
- Level: Main
- Area: 150
- Dimensions: 12 x 12.5
Bedroom
- Level: Main
- Area: 143
- Dimensions: 13 x 11
Bedroom
- Level: Upper
- Area: 120
- Dimensions: 12 x 10
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- 3/4 bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
- Area: 195
- Dimensions: 15 x 13
Family Room
- Level: Lower
- Area: 390
- Dimensions: 26 x 15
Features
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 1,400
- Finished area above ground: 1,520
Heating & Cooling
- Heating features: Fireplace(s),Forced Air,Wood,Propane
- Cooling features: None
Interior Area
- Total interior livable area: 2,920 sqft
Kitchen
- Level: Main
- Area: 227.5
- Dimensions: 17.5 x 13
Living Room
- Level: Main
- Area: 260
- Dimensions: 20 x 13
Office
- Level: Lower
- Area: 118.75
- Dimensions: 12.5 x 9.5
Other
- Level: Main
- Area: 330
- Dimensions: 22 x 15
Property
Details
- Parcel number: 610003000050
- Zoning description: Residential
- Foundation area: 1400
Features
- Patio & porch: Deck,Patio
- On waterfront: Yes
- Waterfront features: Inland Lake,Waterfront Access(Private)
- Waterbody name: Birch
- Frontage length: 670
Lot
- Lot size: 2.60 Acres
- Lot size dimensions: 600.00 x 260.00
Parking
- Total spaces: 6
- Parking features: 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
- Cold Wave
- Winter Weather
- Lightning
- Heat Wave
- Inland Flooding
- 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 | $3,281 | $39,372 |
| Home Insurance * | $166 | $1,992 |
| Property Taxes | $363 | $4,356 |
| Electricity | $246 | $2,955 |
| Total | $4,056 | $48,672 |
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 |
|---|---|---|
| 2026-03-11 | Listed for sale | $649,000 |
| 2025-11-28 | Listing removed | $649,000 |
| 2025-02-13 | Listed for sale | $649,000 |
| 2024-12-16 | Listing removed | $649,000 |
| 2024-11-14 | Listed for sale | $649,000 |
| 2024-10-09 | Pending sale | $649,000 |
| 2024-07-06 | Listed for sale | $649,000 |
| 2024-07-02 | Listing removed | -- |
| 2024-02-29 | Listed for sale | $699,000 |
| 2023-12-02 | Listing removed | -- |
| 2023-10-12 | Listed for sale | $699,000 |
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