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128 Park St, Erskine, MN, 56535

3beds
2baths
1,336sqft
$410,000
$307price/sqft
$2,798/moest. monthly cost
$111,920/yrincome needed

About This Home

Perfect opportunity to get on the lake and start enjoying immediately! This beautifully maintained home has 3 bedrooms and 2 bathrooms with a large entry and open kitchen floorplan. You will enjoy fantastic views of Lake Cameron inside or as you step out onto the paver patio/deck. Building #1 serves as a heated garage OR depending on the day as the perfect place for expanded hosting with the patio doors leading to the lake. Building #2 gives you the space to store all of your toys. Over 300 feet of lakeshore give you plenty of options for bonfires or waterplay. This property allows you to fully enjoy lake life but is on city water and sewer and is just a short walk to Erskine - you get the best of both worlds!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
6/10
Win-E-Mac SecondaryGrades 7-121.6 mi

Construction

Condition

  • Year built: 2009

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Dining Room

  • Level: Main

Features

  • Finished area above ground: 1,336

Garage

  • Level: Main

Garage

  • Level: Main

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 1,336
  • Total interior livable area: 1,336 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 840020400

Features

  • Patio & porch: Patio

Lot

  • Lot size: 0.61 Acres
  • Lot size dimensions: IRRG

Parking

  • Total spaces: 4
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 $2,073$24,876
Home Insurance *$182$2,184
Property Taxes $373$4,476
Electricity $170$2,050
Total$2,798$33,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,931/yr
40% on housing$83,940/yr
45% on housing$74,613/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

$307This listing

vs Other Active Listings

Avg $/sqft

ZIP 56535$191
Polk County$149

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)

Price History

DateEventPrice
2026-06-01Listed for sale$410,000
2004-09-28Sold$15,700

For Sale by Agent

AgentMelissa Perreault
BrokerageLeBlanc Realty

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