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13233 Elmhurst Ln SE, Mentor, MN, 56736

5beds
3baths
4,125sqft
$1,275,000
$309price/sqft
$7,698/moest. monthly cost
$307,920/yrincome needed

About This Home

Exceptional 5 bedroom/3 bathroom custom built home on beautiful Maple Lake! 167 feet of gorgeous sandy shoreline with finished boathouse for added entertaining space! 40X60 heated steel building with a lofted area on well kept backlot for storing all your recreational toys! Make an appointment to see this fantastic retreat!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 1969

Materials

  • Foundation: Slab

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3

Dining Room

  • Level: Main

Entry

  • Level: Main

Family Room

  • Level: Upper

Features

  • Window features: Window Treatments
  • Finished area above ground: 4,125

Interior Area

  • Total structure area: 4,125
  • Total interior livable area: 4,125 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Office

  • Level: Main

Other

  • Level: Upper

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 740077900

Features

  • Patio & porch: Deck,Patio

Lot

  • Lot size: 1.78 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 $6,447$77,364
Home Insurance *$182$2,184
Property Taxes $722$8,664
Electricity $347$4,174
Total$7,698$92,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$263,931/yr
40% on housing$230,940/yr
45% on housing$205,280/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

$309This listing

vs Other Active Listings

Avg $/sqft

ZIP 56736$202
Polk County$147

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
2026-03-07Listed for sale$1,299,000
2025-12-07Listing removed$1,395,000
2025-09-01Price change$1,395,000
2025-06-27Price change$1,435,000
2024-12-13Listed for sale$1,500,000
2003-10-02Sold$245,600

For Sale by Agent

AgentKristen Cummings
BrokerageGreenberg Realty

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