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15707 Sandy Beach Rd SE, Mentor, MN, 56736

6beds
4baths
6,054sqft
$1,099,000
$182price/sqft
$7,009/moest. monthly cost
$280,360/yrincome needed

About This Home

Welcome to your slice of lakefront paradise on Maple Lake! Set on nearly 2 acres with an impressive 199 feet of shoreline, this property offers the space, privacy, and views you've been dreaming of. Inside, you'll find a spacious and well-designed layout featuring 6 bedrooms and 3 bathrooms. Five of the bedrooms are conveniently located on the main level, including a private primary suite with its own ensuite bath. Whether you're hosting family or accommodating guests, there's room for everyone. The property truly shines with its added guest suite complete with a kitchenette and bathroom--perfect for visitors, extended stays, or even a private retreat space. Outside take in everything this property has to offer--from the expansive back lot to the oversized garage providing ample storage for all your lake toys. And of course, don't miss the standout feature: an incredible boathouse right at the water's edge, making lake days easier and more enjoyable than ever. This home has been owned and enjoyed by the same family for the past 85 years.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

9/10
6/10
Win-E-Mac SecondaryGrades 7-127.5 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Metal Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Bathroom

  • Level: Main

Bathroom

  • Level: Basement

Bathroom

  • Level: First

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 4,376

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 6,054
  • Total interior livable area: 6,054 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: Basement

Kitchen

  • Level: First

Laundry

  • Level: Main

Living Room

  • Level: Main

Living Room

  • Level: Basement

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Rec Room

  • Level: Upper

Rec Room

  • Level: Basement

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 320024500

Features

  • Patio & porch: Deck

Lot

  • Lot size: 1.96 Acres
  • Lot size dimensions: Irreg

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Winter Weather
    Winter WeatherVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Drought
Hail
Inland Flooding
Strong Wind
Wildfire
Tornado

FEMA Declared Disasters in Polk 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 $5,557$66,684
Home Insurance *$182$2,184
Property Taxes $760$9,120
Electricity $510$6,127
Total$7,009$84,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$240,308/yr
40% on housing$210,270/yr
45% on housing$186,906/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 56736$214
Polk County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 56736
Polk County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-17Listed for sale$1,199,000

For Sale by Agent

AgentBlake Christianson (Team Blake Christianson)
BrokerageGreenberg Realty

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