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1872 State Highway 11 Hwy, Baudette, MN, 56623

5beds
3baths
3,640sqft
$685,000
$188price/sqft
$4,681/moest. monthly cost
$187,240/yrincome needed

About This Home

As Good As It Gets! Rainy River Waterfront Retreat – 3 Miles East of Baudette, MN Wake up to 475 feet of private Rainy River shoreline and the kind of views that make every morning feel like a postcard. Nestled on 2.8 acres of prime northern Minnesota waterfront, this spacious 5-bedroom, 3-bath home puts world-class walleye fishing literally out your back door. Step onto the custom outdoor patio and V dock and cast for trophy walleyes from your own shoreline. Inside, the home offers room for family and guests with five bedrooms and three full baths. Outside, the combination of deep water frontage, a private V dock, and a thoughtfully designed patio creates the perfect setting for morning coffee, evening dinners, or launching the boat for a day on the river. Located just three miles east of Baudette, you enjoy quiet river living with convenient access to town amenities, give us a call to schedule a showing!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,680
  • Finished area above ground: 1,960

Heating & Cooling

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

Interior Area

  • Total structure area: 3,640
  • Total interior livable area: 3,640 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 315100010
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 1910

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • On waterfront: Yes
  • Waterfront features: River Front

Lot

  • Lot size: 2.80 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 300 x 383

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Drought
Wildfire

FEMA Declared Disasters in Lake of the Woods 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 $3,463$41,556
Home Insurance *$509$6,108
Property Taxes $402$4,824
Electricity $307$3,684
Total$4,681$56,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,491/yr
40% on housing$140,430/yr
45% on housing$124,826/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: 18.1%
18.1%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -9.4%
-9.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 56623$32
Lake of the Woods County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 56623
Lake of the Woods County$170

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

DateEventPrice
2026-07-30Listed for sale$685,000

For Sale by Agent

AgentJanet Charpentier
BrokerageTru North Baudette

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