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21687 380th St SE, Erskine, MN, 56535

4beds
3baths
4,102sqft
$674,000
$164price/sqft
$4,502/moest. monthly cost
$180,080/yrincome needed

About This Home

Stunning 4BR/3BA custom home on Bradley Lake with private access, gardens, grapes, and beach. Features include a primary suite with fireplace, whirlpool tub, heated floors, two kitchens, sauna, wrap-around deck, finished garage with extra laundry, plus den and sewing room.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

9/10
6/10
Win-E-Mac SecondaryGrades 7-123.9 mi

Construction

Condition

  • Year built: 1904

Materials

  • Foundation: Concrete Perimeter

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential,Single Family Residence

Interior

Bathroom

  • Level: Main

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area above ground: 3,041

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 4,102
  • Total interior livable area: 4,102 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: Main

Laundry

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Office

  • Level: Main

Play Room

  • Level: Main

Sauna

  • Level: Main

Storage Room

  • Level: Main

Workshop

  • Level: Main

Workshop

  • Level: Main

Property

Details

  • Parcel number: 450057500
  • Zoning: R-1
  • Zoning description: Single Family

Features

  • Patio & porch: Deck,Patio

Lot

  • Lot size: 7.50 Acres
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener
  • 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

  • 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 $3,408$40,896
Home Insurance *$182$2,184
Property Taxes $567$6,804
Electricity $345$4,151
Total$4,502$54,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,354/yr
40% on housing$135,060/yr
45% on housing$120,053/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

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 56535$198
Polk County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 56535
Polk County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-16Price change$674,000
2026-06-27Listed for sale$689,000
2025-12-01Listing removed$879,000
2025-05-15Price change$879,000
2024-11-04Listed for sale$895,000
2000-11-02Sold$45,000

For Sale by Agent

AgentTRACY JUVE
BrokerageJUVE REAL ESTATE

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