14631 Cable Lake Rd SE, Mentor, MN, 56736
About This Home
Experience the best of lakeside living with this private and serene home on Cable Lake. Situated on a wooded lot with 160 feet of shoreline, this property offers a perfect retreat to enjoy every Minnesota season. This 3,588-square-foot home features 3–4 bedrooms and 3 bathrooms. The main level is designed with an open floor plan for convenient single-level living, while the lower level is ideal for children or hosting guests. The home is move-in ready and includes a new water heater and water softener. Located at the end of a dead-end road, this residence serves as a private oasis that perfectly combines functionality with exclusivity.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1994
Materials
- Roof: Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 1,434
- Finished area above ground: 1,794
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,588
- Total interior livable area: 3,588 sqft
Property
Accessibility
- Accessibility features: Accessible Approach with Ramp
Details
- Parcel number: 320030800
- Zoning description: Shoreline,Residential-Single Family
- Foundation area: 1794
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Has view: Yes
- View description: South,Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Lake View
- Frontage length: Water Frontage: 160
Lot
- Lot size: 1.99 Acres
- Lot size dimensions: 160 x 300
Parking
- Total spaces: 3
- Parking features: Attached,Detached Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Winter Weather
- Drought
- Hail
- Inland Flooding
- Strong Wind
- Wildfire
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Polk 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 * | $182 | $2,184 |
| Property Taxes | $210 | $2,520 |
| Electricity | $302 | $3,631 |
| Total | $2,944 | $35,328 |
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 $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Listed for sale | $460,000 |
| 2025-10-28 | Listing removed | $489,900 |
| 2025-09-30 | Price change | $489,900 |
| 2025-08-15 | Listed for sale | $515,000 |
| 1993-06-18 | Sold | $10,000 |
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