Lori Gustafson

1804 N Bay Road

Ely, MN
$ 649,000 Beds 2 Baths 2.5 Sq 2,920
Monthly Estimate* How much can I afford?

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!

Single Family

  • Price
  • $ 649,000
  • City
  • Ely
  • Bedrooms
  • 2
  • Full Bathrooms
  • 2
  • County
  • SAINT LOUIS
  • Half Bathrooms
  • 1
  • Area
  • North Bay Homesites 61 12
  • Lot Size
  • 3.12 Acres
  • Zip
  • 55731
  • Sqr Footage
  • 2,920
  • Year Built
  • 1987
  • Taxes
  • $ 7339
  • Style
  • Single Family
  • MLS#
  • 7046279
Listed By: Z'Up North Realty, Inc.
Data Source: Northstar MLS (NSTAR)

Features

General

Living Area 2920
Sewer Septic System Compliant - Yes
Heating Forced Air
Cooling None
Roof Asphalt
Appliances Dryer,Electric Water Heater,Range,Refrigerator,Washer
Garage Spaces 6
Construction Materials Frame
Year Built 1987
Electric 200+ Amp Service
Levels One
Property Subtype Single Family
Tax Year 2026
Waterfront Features Lake Front
Accessibility None
County St. Louis
New Construction No
Property Type Residential
HOA No
Contingency None
Subdivision Name North Bay Homesites 61 12
Full Baths 2
Directions Cty Rd 120 to Birch Lake Road,down to North Bay Homesites,continue straight in Fire number.
City Ely
High School District St. Louis County
Zoning Description Residential-Single Family
Lot Size Units Acres
Property Attached Y/N No
Land Lease Y/N No
Tax Annual Amount 7339
Additional Parcels Y/N No
Standard Status Active
Lender Owned No
PostalCity Ely

Interior Features

Basement Finished,Full
Total Fireplaces 1
Fireplace Features Wood Burning
Basement (Y/N) Yes
Above Grade Finished Area 1520
Half Baths 1
Laundry Features Main Level
Total Bedrooms 2
Below Grade Finished Area 1400
Total Baths 3
Foundation Dimensions 50 x 28
Fuel Propane,Wood
Garage Dimensions 22 x 26
Garage Square Feet 572
Waterfront Feet 675

Exterior Features

Parking Features Detached Garage
Water Source Drilled
Lot Size Area 3.12
Building Area Total 1520
Lot Dimensions 600.00 x 260.00
Waterfront Y/N Yes
Foundation Area 1400

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Faribault, MN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

3/31/2026 Listed $649,000

Property vs Zip Code Average in 55731

Price
AVG $560K
$650K
Taxes
AVG $3,581
$7,339
Year Built
AVG 1971
1987
Visits
AVG 26
39
Data Provided by Inside Real Estate®

Areas That We Cover

1804 N Bay Road Ely, MN is a Single Family Home for sale at $649000 with 2920 sqft and a lot size of 3.12 Acres Acre(s). 1804 N Bay Road Ely has 2 bedrooms, 2 baths and was built in 1987. The property's zip code is 55731 which is in Ely, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Lori Gustafson

Lori Gustafson

Broker Associate/Sales Agent

507-323-4348

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