Enjoy lake living on beautiful Upper Hay Lake, ideally located between Nisswa and Pequot Lakes with west-facing views and incredible sunsets just feet from the water! This unique 4-bedroom, 3-bath property offers two separate living areas, including the main 3-bedroom, 2-bath home plus an additional 672 sq. ft. finished living space above the garage. The second living area is complete with its own bedroom, bathroom, kitchen, living room, gas fireplace, and private balcony, creating incredible flexibility for guests, extended family, rental income, or investment potential. The fully finished garage features in-floor heat, with in-floor heat and a mini split serving the upper living space. Recent improvements include a brand-new septic system, asphalt driveway, vapor barrier in the crawl space, and concrete apron. Enjoy the sandy beach, great fishing, classic up-north cabin feel, privacy, and two truly move-in-ready living spaces. The lot also extends across the road, offering additional space and potential for a future storage building or additional garage.