16401 Cottage Hill Road, Deerwood, MN 56444

New Listing
$850,000
Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,744 Lot Size (sq. ft.): 255,262 Status: Active
Current Price: $850,000 List Date: 6/22/2026 Last Modified: 6/22/2026

Overview

Description

Enjoy this classic "Up North" cabin on highly desirable Bay Lake. Gather around the fire pit and enjoy a great view of the lake or enjoy your evening in the lakeside porch. This year-round cabin offers 3 bedrooms and 2 baths and an open concept for the living room, dining room and kitchen. There is beautiful tongue and groove woodwork throughout the premises with a large master suite for the owners. A large side deck provides access to the oversized garage which includes a heated workshop. This property sits on a quiet bay on the West side of the lake and is only minutes away from golf, dinning and shopping at Ruttger's Bay Lake Resort. A small convenience store and gas dock are also close by. This fully furnished property, along with approximately 3 acres of land on the other side of Highway #6, is ready for your immediate use and enjoyment so make plans to see all that it has to offer today.

Listing Details MLS# 7096949

General Property Information

Common Wall
No
Lot Measurement
Acres
Manufactured Home?
No
Multiple PIDs?
No
New Development
No
Number of Fireplaces
Yes
Road Btwn WF & Home?
Yes
Waterfront Frontage
377
Waterfront YN
Yes
Year Built
1972
Yearly/Seasonal
Yearly
Zoning
Shoreline, Residential-Single Family
Bath Three Quarters
2
Main Floor Total SqFt
1744
Above Grd Total SqFt
1744
Total SqFt
1744
Total Finished Sqft
1744.00
FireplaceYN
Yes
Lake/Waterfront Name
Bay
Style
(SF) Single Family
Foundation Size
1744
Garage Stalls
4
Lot Dimensions
377x660x327x860
Acres
5.86
Assessment Pending
No
Bath Half
0
Bath Quarter
0
Below Grd Total SqFt
0
Association Fee
0

Property Features

Accessible: None Air Conditioning: None Amenities Unit: Ceiling Fan(s); Deck; Dock; Hardwood Floors; Kitchen Center Island; Kitchen Window; Main Floor Primary Bedroom; Natural Woodwork; Panoramic View; Porch; Primary Bedroom Walk-In Closet; Security Lights; Security System; Vaulted Ceiling(s); Walk-In Closet; Washer/Dryer Hookup Appliances: Dishwasher; Dryer; Microwave; Range; Refrigerator; Washer Basement: Crawl Space; Unfinished Bath Description: Main Floor Full Bath; 3/4 Primary; Private Primary Construction Status: Previously Owned Elevation Highpoint to Waterfront Slope: Level Exterior: Wood Fencing: None Fireplace Characteristics: Free Standing; Gas Burning; Living Room Foundation: Concrete Block Fuel: Propane Heating: Forced Air Lake Details: Undeveloped Laundry: Laundry Room; Main Level Lot Description: Accessible Shoreline; Irregular Lot; Tree Coverage - Heavy Outbuildings: Additional Garage Road Frontage: No Outlet/Dead End; Paved Streets; Township Roof: Asphalt Shingles Sewer: Septic System Compliant - Yes; Tank with Drainage Field Special Search: 3 BR on One Level; All Living Facilities on One Level; Main Floor Primary Stories: One Water: Drilled; Well Waterfront View: Bay; Panoramic; South; East

Contract Information

Contingency
None
Original List Price
850000
ListPrice
850000
Owner is an Agent?
No
Auction?
No

Location Tax and Other Information

House Number
16401
Street Name
Cottage Hill
Street Suffix
Road
Postal City
Deerwood
County
Crow Wing
State
MN
Zip Code
56444

Assessments

Tax With Assessments
3860
Assessment Balance
0

Building Information

Finished SqFt Above Ground
1744

More Information

Elevation Highpoint to Waterfront Feet

Elevation Highpoint Waterfront Feet
0-4

Lake Details

Lake Acres
2329
Lake Depth
74
Undeveloped
Yes

Lease Details

Land Leased
Not Applicable

Miscellaneous Information

Homestead
No

Ownership

Fractional Ownership
No

Parking Characteristics

Garage Dimensions
42 X 28
Garage Square Feet
1176

Public Survey Info

Range#
28
Section#
9
Township#
45

Office/Member Info

Association
GLAR

Location, Tax and Other Information

AssocFeeYN
No
Legal Description
S1/2 OF N1/2 OF GOV. LOT 3 9 45 28 EX. HWY. (1.24ACRES).
Listing City
Deerwood
Map Page
999
Municipality
Bay Lake Twp
School District
Crosby-Ironton
School District Phone
218-545-8801
DNR Lake ID#
18003400
DNR Lake Classification
Recreational Development
Zip Plus 4
3310
Property ID Number
50090524
Tax Year
2026
Tax Amount
3860
In Foreclosure?
No
Potential Short Sale?
No
Lender Owned?
No

Directions & Remarks

Public Remarks
Enjoy this classic "Up North" cabin on highly desirable Bay Lake. Gather around the fire pit and enjoy a great view of the lake or enjoy your evening in the lakeside porch. This year-round cabin offers 3 bedrooms and 2 baths and an open concept for the living room, dining room and kitchen. There is beautiful tongue and groove woodwork throughout the premises with a large master suite for the owners. A large side deck provides access to the oversized garage which includes a heated workshop. This property sits on a quiet bay on the West side of the lake and is only minutes away from golf, dinning and shopping at Ruttger's Bay Lake Resort. A small convenience store and gas dock are also close by. This fully furnished property, along with approximately 3 acres of land on the other side of Highway #6, is ready for your immediate use and enjoyment so make plans to see all that it has to offer today.
Directions
Highway 18 East out of Brainerd approximately 16 miles to State Hwy 6. Turn right and go North to Cottage Hill Rd. Turn right and property is immediately on your left.

Accessible

None
Yes

Air Conditioning

None
Yes

Amenities Unit

Ceiling Fan(s)
Yes
Deck
Yes
Dock
Yes
Hardwood Floors
Yes
Kitchen Center Island
Yes
Kitchen Window
Yes
Main Floor Primary Bedroom
Yes
Natural Woodwork
Yes
Panoramic View
Yes
Porch
Yes
Primary Bedroom Walk-In Closet
Yes
Security Lights
Yes
Security System
Yes
Vaulted Ceiling(s)
Yes
Walk-In Closet
Yes
Washer/Dryer Hookup
Yes

Appliances

Dishwasher
Yes
Dryer
Yes
Microwave
Yes
Range
Yes
Refrigerator
Yes
Washer
Yes

Basement

Crawl Space
Yes
Unfinished
Yes

Bath Description

Main Floor Full Bath
Yes
3/4 Primary
Yes
Private Primary
Yes

Construction Status

Previously Owned
Yes

Elevation Highpoint to Waterfront Slope

Level
Yes

Exterior

Wood
Yes

Fencing

None
Yes

Fireplace Characteristics

Free Standing
Yes
Gas Burning
Yes
Living Room
Yes

Foundation

Concrete Block
Yes

Fuel

Propane
Yes

Heating

Forced Air
Yes

Insurance Fee

Insurance Fee
0

Laundry

Laundry Room
Yes
Main Level
Yes

Lot Description

Accessible Shoreline
Yes
Irregular Lot
Yes
Tree Coverage - Heavy
Yes

Outbuildings

Additional Garage
Yes

Patio, Porch and Deck Features

Deck
Yes
Front Porch
Yes

Road Frontage

No Outlet/Dead End
Yes
Paved Streets
Yes
Township
Yes

Roof

Asphalt Shingles
Yes

Sewer

Septic System Compliant - Yes
Yes
Tank with Drainage Field
Yes

Special Search

3 BR on One Level
Yes
All Living Facilities on One Level
Yes
Main Floor Primary
Yes

Stories

One
Yes

Water

Drilled
Yes
Well
Yes

Waterfront View

Bay
Yes
Panoramic
Yes
South
Yes
East
Yes

Room Information

Room Name Dimensions Level
Dining Room 12 X 10 Main
First (1st) Bedroom 15 X 12 Main
Kitchen 12 X 11 Main
Laundry 9 X 7.5 Main
Living Room 21 X 12 Main
Mud Room 9 X 6.5 Main
Office 11 X 9 Main
Porch 15 X 8 Main
Second (2nd) Bedroom 11 X 10.5 Main
Third (3rd) Bedroom 11.5 X 10 Main

Documents

IDX
Listing Office: Bay Lake Realty
Last Updated: June - 22 - 2026
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.
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