35000 440th Pl, Aitkin, MN, 56431
About This Home
This year around lake home a few miles outside of Aitkin offers rare privacy on 1745-acre Cedar Lake. This lake has a maximum depth of 105 feet and is not only desirable because of its size but also because of the outstanding fishing including walleyes, muskies, bass and pan fish. You will never be bored on this lake, and you will spend countless hours fishing, relaxing on a pontoon or having fun with water sports. The property sits in a protected bay with several hundred feet of shoreline and 10.5 acres with end of the road privacy. The home has 2+ bedrooms, 2 baths and a walk out lower level that the family uses as a flex space, including a sleeping space, bathroom, laundry with storage, a family room, home office space and a kitchenette with a sink and dishwasher. The window filled 3-season sunroom off the main level is large enough for entertaining or relaxing with morning coffee or game night with friends and family. It also has a patio underneath for grilling and dining. Near the water's edge sits a bunk house with a sauna and deck. A 2-car garage has extra storage space, and there is a compliant septic system. Much of the acreage is nicely wooded and the north half is untouched and waiting for your ideas!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1980
Materials
- Foundation: Wood
- Roof: Age Over 8 Years,Asphalt
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Refrigerator,Washer,Water Softener Owned
- Laundry features: Electric Dryer Hookup,Lower Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedroom
- Level: Main
- Area: 85
- Dimensions: 8.5 x 10
Bedroom2
- Level: Main
- Area: 97.75
- Dimensions: 8.5 x 11.5
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
- Area: 76.5
- Dimensions: 8.5 x 9
Family Room
- Level: Lower
- Area: 408
- Dimensions: 16 x 25.5
Features
- Finished area below ground: 830
- Finished area above ground: 952
Heating & Cooling
- Heating features: Baseboard,Wood Stove
- Cooling features: None
Interior Area
- Total structure area: 1,904
- Total interior livable area: 1,904 sqft
Kitchen
- Level: Main
- Area: 85.5
- Dimensions: 9 x 9.5
Living Room
- Level: Main
- Area: 306
- Dimensions: 17 x 18
Other
- Level: Lower
- Area: 103.5
- Dimensions: 9 x 11.5
Sun Room
- Level: Main
- Area: 280
- Dimensions: 10 x 28
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 010078000
- Zoning description: Shoreline
- Foundation area: 952
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Enclosed
- Fencing: None
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(15-26),Lake Bottom(Soft,Undeveloped,Weeds)
- Frontage length: Water Frontage: 400
Lot
- Lot size: 10.54 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 552 x 1347 x 397 x 955
Parking
- Total spaces: 2
- Parking features: Detached Garage,Gravel,Electric,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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 Aitkin 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 | $2,654 | $31,848 |
| Home Insurance * | $266 | $3,192 |
| Property Taxes | $259 | $3,108 |
| Electricity | $170 | $2,050 |
| Total | $3,349 | $40,188 |
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 |
|---|---|---|
| 2026-03-28 | Price change | $625,000 |
| 2026-01-09 | Listed for sale | $650,000 |
| 2013-10-07 | Sold | $332,500 |
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