2097 Peninsula Dr, Mora, MN, 55051
About This Home
This is a rare opportunity to own this unique home on a private peninsula on beautiful Knife Lake with approximately 230 feet of shoreline and room to enjoy true lake living. This 4-bedroom, 2-bath home sits on a spacious lot providing plenty of shoreline to enjoy the lake and peaceful surroundings. Located on a fully recreational lake with great fishing with restaurants nearby that can be accessed by boat, this property offers the perfect opportunity to enjoy lake life. The property features two docks for easy lake access along with a lakeside patio perfect for relaxing or entertaining while taking in beautiful water views. Inside, the home offers comfortable living spaces highlighted by a beautiful stone wood-burning fireplace, creating the perfect cozy lake cabin feel. A loft area provides additional sleeping space for family and guests. Landscaping was refreshed last fall, enhancing the outdoor setting and overall appeal of the property. Be sure to enjoy the 3D tour to experience the layout and setting of this unique property. A great opportunity for year-round living or a relaxing weekend getaway.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1998
Materials
- Roof: Age Over 8 Years,Metal
- Construction materials: Concrete
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Exhaust Fan,Microwave,Range,Refrigerator,Washer
- Laundry features: Laundry Room,Main Level,Sink
Basement
- Has basement: Yes
- Basement: None
Bedroom
- Level: Main
- Area: 132
- Dimensions: 12x11
Bedroom2
- Level: Main
- Area: 99
- Dimensions: 11x9
Bedroom3
- Level: Upper
- Area: 143
- Dimensions: 13x11
Bedroom4
- Level: Upper
- Area: 143
- Dimensions: 13x11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 108
- Dimensions: 12x9
Features
- Number of fireplaces: 1
- Fireplace features: Living Room,Stone,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,720
Heating & Cooling
- Heating features: Fireplace(s),In-Floor Heating
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,720
- Total interior livable area: 1,720 sqft
Kitchen
- Level: Main
- Area: 91
- Dimensions: 13x7
Laundry
- Level: Main
- Area: 56
- Dimensions: 8x7
Living Room
- Level: Main
- Area: 304
- Dimensions: 19x16
Loft
- Level: Upper
- Area: 208
- Dimensions: 16x13
Porch
- Level: Main
- Area: 240
- Dimensions: 20x12
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 100253500
- Zoning description: Shoreline,Residential-Single Family
- Foundation area: 1200
Features
- Levels: One and One Half
- Stories: 1
- Pool features: None
- Patio & porch: Porch,Screened
- Fencing: None
- Has view: Yes
- View description: East,North,South
- On waterfront: Yes
- Waterfront features: Lake Front
- Frontage length: Water Frontage: 230
Lot
- Lot size: 0.54 Acres
- Features: Accessible Shoreline,Irregular Lot,Island/Peninsula,Tree Coverage - Medium
- Lot size dimensions: Irregular
Parking
- Parking features: Gravel
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
- Lightning
- Strong Wind
- Hail
- Inland Flooding
- Tornado
- Wildfire
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Kanabec 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 | $2,250 | $27,000 |
| Home Insurance * | $318 | $3,816 |
| Property Taxes | $438 | $5,256 |
| Electricity | $170 | $2,050 |
| Total | $3,176 | $38,112 |
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 |
|---|---|---|
| 2026-04-17 | Price change | $475,000 |
| 2026-03-20 | Listed for sale | $499,000 |
View on Zillow