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34479 E Trinity Point Rd SE, Mentor, MN, 56736

2beds
2baths
1,064sqft
$524,250
$493price/sqft
$3,380/moest. monthly cost
$135,200/yrincome needed

About This Home

Welcome to lake life on beautiful Maple Lake! This year-round 2 bedroom, 2 bathroom home offers comfortable one-level living with everything you need to enjoy life at the lake. Situated on a level lot with easy access to the water, this property is perfect for relaxing weekends or full-time living. The home features an inviting layout, spacious living areas, and great lake views. Outside, you'll find a detached garage plus an added bunkhouse--perfect for extra guests, storage, or creating your own lake retreat space. Whether you're looking to fish, boat, entertain, or simply unwind by the water, this property offers the ideal setup to enjoy all that Maple Lake has to offer

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: 1992

Materials

  • Foundation: Slab
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,064

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 1,064
  • Total interior livable area: 1,064 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 740043305

Features

  • Patio & porch: Deck,Patio

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 90 x 135

Parking

  • Total spaces: 2
  • Parking features: 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 $2,650$31,800
Home Insurance *$182$2,184
Property Taxes $378$4,536
Electricity $170$2,050
Total$3,380$40,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,885/yr
40% on housing$101,400/yr
45% on housing$90,133/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

$493This listing

vs Other Active Listings

Avg $/sqft

ZIP 56736$207
Polk County$148

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
2026-08-11Price change$479,000
2026-08-06Price change$514,250
2026-05-21Listed for sale$524,250

For Sale by Agent

AgentBlake Christianson (Team Blake Christianson)
BrokerageGreenberg Realty

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