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34511 E Trinity Point Rd SE, Mentor, MN, 56736

3beds
1baths
2,162sqft
$825,000
$382price/sqft
$5,095/moest. monthly cost
$203,800/yrincome needed

About This Home

This is your opportunity to own one of the most iconic properties on Maple Lake. This home's mid-century modern design gives you beautiful views of the lake from almost any point. The open second floor balcony overlooks the main floor's living room and grand fireplace as well as great views of Maple Lake. A large second family room gives even more opportunity to enjoy this amazing home with family and friends. A fully remodeled bathroom, new windows, new steel siding, new roofing, new main level flooring, new fireplace insert, new stamped concrete patio and a great sandy beach make YOU the only thing this property is missing.

Getting Around

2
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: 1977

Materials

  • Roof: Age 8 Years or Less,Architectural Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Wall Oven,Washer,Water Softener Owned
  • Laundry features: Main Level,In Unit

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Insert,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,162

Heating & Cooling

  • Heating features: Baseboard,Forced Air,Fireplace(s)
  • Cooling features: Zoned

Interior Area

  • Total structure area: 2,162
  • Total interior livable area: 2,162 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 740043301
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 1520

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio,Rear Porch
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Frontage length: Water Frontage: 130

Lot

  • Lot size: 0.38 Acres
  • Features: Accessible Shoreline,Tree Coverage - Medium
  • Lot size dimensions: 130 x 128

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • 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 $4,171$50,052
Home Insurance *$182$2,184
Property Taxes $560$6,720
Electricity $182$2,188
Total$5,095$61,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,685/yr
40% on housing$152,850/yr
45% on housing$135,866/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

$382This listing

vs Other Active Listings

Avg $/sqft

ZIP 56736$195
Polk County$145

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
2026-04-29Price change$850,000
2026-02-18Listed for sale$870,000
2021-07-23Sold$0
2021-07-09Pending sale$489,900
2021-07-08Listed for sale$489,900
1995-09-29Sold$18,000

For Sale by Agent

AgentRoss Roragen
BrokerageJuve Real Estate

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