20738 Crystal Springs Loop, Grand Rapids, MN, 55744
About This Home
Lakefront Retreat with Sauna, Hot Tub & Sandy Beach Escape to lake life in this beautifully maintained 3-bedroom, 2.5-bath home with a dedicated office, offering the perfect blend of comfort, recreation, and relaxation. Nestled on a picturesque lot with a beautiful sandy beach shoreline, this property is designed for making memories year-round. Spend your days swimming, fishing, boating, or simply enjoying breathtaking lake views from your own backyard. Inside, you’ll find a spacious and inviting layout featuring three comfortable bedrooms, a dedicated office for remote work or additional guest space, and 2½ bathrooms. The home offers plenty of room for family gatherings, weekend getaways, or full-time lake living. After a day on the water, unwind in the private sauna or soak in the hot tub. The outdoor living spaces provide the perfect setting for entertaining, enjoying morning coffee, or watching unforgettable sunsets over the lake. Property Features: 3 Bedrooms Dedicated Office/Flex Room 2 Full Bathrooms + 1 Half Bath Private Sauna Hot Tub Beautiful Sandy Beach Shoreline Stunning Lake Views Ideal for Year-Round Living or Vacation Getaway Excellent Space for Entertaining Family and Friends Whether you’re looking for a peaceful retreat, a family lake home, or an investment opportunity, this exceptional waterfront property offers everything you need to enjoy the best of lake living.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1988
Materials
- Foundation: Concrete Block
- Roof: Asphalt
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
Interior
Basement
- Basement: Finished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Flooring: Concrete
- Fireplace: Yes
Heating & Cooling
- Heating features: Forced air
- Cooling features: Central
Interior Area
- Total interior livable area: 1,495 sqft
Property
Details
- Parcel number: 194850840
Features
- Exterior features: Wood
- Has spa: Yes
Lot
- Lot size: 1 Acres
Parking
- Parking features: Garage - Detached
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
- Inland Flooding
- Lightning
- Strong Wind
- Hail
- Heat Wave
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Itasca 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 | $6,067 | $72,804 |
| Home Insurance * | $787 | $9,444 |
| Property Taxes | $888 | $10,656 |
| Electricity | $170 | $2,050 |
| Total | $7,912 | $94,944 |
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 $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Price change | $1,150,000 |
| 2026-07-15 | Price change | $1,200,000 |
| 2026-06-25 | Listed for sale | $1,250,000 |
| 2021-08-02 | Sold | $775,000 |
View on Zillow