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23354 Stark Rd, Cohasset, MN, 55721

5beds
3baths
3,138sqft
$435,000
$139price/sqft
$3,103/moest. monthly cost
$124,120/yrincome needed

About This Home

Welcome to your private retreat—an inviting 5-bedroom, 3-bath home set on 3.7 park-like acres just 5 miles from town on a quiet dead-end road. Built in 2006 and thoughtfully updated, this property blends comfort, style, and the peaceful beauty of its wooded surroundings. Step inside to a bright, airy floor plan that flows naturally onto a large deck overlooking the beautifully landscaped yard. Mature trees, curated plantings, and wide-open green spaces create a peaceful outdoor setting perfect for relaxing, entertaining, or simply enjoying the quiet of nature. The spacious kitchen is truly the heart of the home—ideal for gathering, cooking, and connecting. The upper level features a serene master suite with a walk-in closet and 3/4 bath, along with a second bedroom and full bath with relaxing, jetted tub. The lower level offers even more room to spread out, with a window-filled family room, three additional bedrooms, and a second ¾ bath. Exterior details include split-rock and log siding, a durable metal roof, brand-new wooden front deck, and a welcoming covered entry. The property itself is a standout—lush, wooded, thoughtfully landscaped, and offering lovely views of Rice Lake. Whether you’re enjoying morning coffee on the deck or walking the grounds, the scenery feels peaceful and restorative. A charming greenhouse adds even more appeal, giving you space to garden year-round, start seedlings, or cultivate your favorite plants in any season. An insulated, heated 2-stall attached garage with a generous entry and storage area adds everyday convenience. Also included is a full house generator, for a seamless switch in case of any power outages. A home that feels like a getaway yet keeps you close to everything—this is the perfect blend of privacy, comfort, and Northwoods charm.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Wood
  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished,Full,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 195.75
  • Dimensions: 13.5x14.5

Bedroom2

  • Level: Upper
  • Area: 168
  • Dimensions: 10.5x16

Bedroom3

  • Level: Lower
  • Area: 144
  • Dimensions: 12x12

Bedroom4

  • Level: Lower
  • Area: 123.5
  • Dimensions: 9.5x13

Bedroom5

  • Level: Lower
  • Area: 132.25
  • Dimensions: 11.5x11.5

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 2

Dining Room

  • Level: Main

Family Room

  • Level: Lower
  • Area: 195
  • Dimensions: 13x15

Features

  • Finished area below ground: 1,902
  • Finished area above ground: 1,236

Foyer

  • Level: Lower
  • Area: 91
  • Dimensions: 14x6.5

Foyer

  • Level: Main
  • Area: 63.75
  • Dimensions: 8.5x7.5

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,328
  • Total interior livable area: 3,138 sqft

Kitchen

  • Level: Upper
  • Area: 209
  • Dimensions: 19x11

Laundry

  • Level: Main
  • Area: 56
  • Dimensions: 7x8

Living Room

  • Level: Upper
  • Area: 246.5
  • Dimensions: 17x14.5

Utility Room

  • Level: Lower
  • Area: 104
  • Dimensions: 8x13

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 050293111
  • Zoning description: Residential-Single Family
  • Foundation area: 1902

Features

  • Levels: Multi/Split
  • Patio & porch: Deck,Patio,Porch
  • Fencing: Chain Link

Lot

  • Lot size: 3.77 Acres
  • Features: Irregular Lot,Tree Coverage - Heavy
  • Lot size dimensions: 553 x 641 x 58 x 491

Parking

  • Total spaces: 2
  • Parking features: Attached,Gravel,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Hail
Heat Wave
Winter Weather

FEMA Declared Disasters in Itasca County and Minnesota

Flood
Severe Storm
Straight Line Winds

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

MonthlyAnnual
Mortgage $2,199$26,388
Home Insurance *$235$2,820
Property Taxes $405$4,860
Electricity $264$3,175
Total$3,103$37,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,388/yr
40% on housing$93,090/yr
45% on housing$82,746/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

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.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 55721$204
Itasca County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 55721$239
Itasca County$129

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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$435,000
2026-07-16Listed for sale$435,000
2021-12-03Sold$321,000
2021-11-03Pending sale$299,900
2021-10-26Listed for sale$299,900
2008-08-28Sold$245,000
2008-06-12Sold$245,000
2007-07-25Sold$100,000

For Sale by Agent

AgentKerry Ruyak
BrokerageThunder Lake Realty

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