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124 Park St, Erskine, MN, 56535

6beds
3baths
3,164sqft
$325,000
$103price/sqft
$2,517/moest. monthly cost
$100,680/yrincome needed

About This Home

Welcome to life reimagined. This stunning year round lake home offers 120 feet shoreline and panoramic water views. Perfectly positioned to capture both sunrise reflections and golden evening sunsets, this property is a rare opportunity to own one of its breathtaking vantage points on the lake. With six spacious bedrooms and three bathrooms, this two-story has been renovated top to bottom. Every detail has been thoroughly refreshed- from finishes and fixtures- to stylish furnishings-creating a turnkey experience that feels welcoming. Whether your searching for a: -investor's dream as a high performing short term rental -year round primary residence -summer getaway -a legacy lake home to gather for generations. Sold fully furnished- its truly move in (or rent-ready) from day one. This is more than an home-it's an experience. The open living spaces invite connection, the expansive windows frame endless water views, and the lake frontage provides room for docks, swimming, entertaining and memory making all year long. Location is everything- and this one delivers. You're just minutes away from charming shops and local conveniences. Surrounded by beautiful golf courses, inviting eateries, cozy coffee shops, farmers markets, hunting, hiking trails, casinos, antiques and the Shoppes of McIntosh. In the winter, you can ice fish, skate, ski, snowshoe, snowmobile or watch the Ice Car Racing from the shoreline. Plus, you're a short drive to Grand Forks, Bemidji, and Detroit Lakes, making weekend getaways, shopping trips and entertaining effortlessly accessible. Everything is new + Everything is ready + All that's missing is you Lakefront opportunities like this (updated and with seven bedrooms) are exceptionally rare. Don't miss your chance to own a property that offers lifestyle and income potential- all in one. Lake life is calling- and this one is ready.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
6/10
Win-E-Mac SecondaryGrades 7-121.5 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Bathroom

  • Level: First

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Den

  • Level: First

Dining Room

  • Level: First

Entry

  • Level: First

Family Room

  • Level: Second

Features

  • Window features: Window Treatments
  • Finished area above ground: 3,164

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 3,164
  • Total interior livable area: 3,164 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: Second

Property

Details

  • Parcel number: 840020500

Features

  • Patio & porch: Deck,Patio

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 120 x 100

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 $1,643$19,716
Home Insurance *$182$2,184
Property Taxes $426$5,112
Electricity $266$3,202
Total$2,517$30,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,297/yr
40% on housing$75,510/yr
45% on housing$67,120/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

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 56535$208
Polk County$151

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
2026-05-01Price change$345,000
2026-03-06Listed for sale$375,000
2025-11-27Listing removed$375,000
2025-08-29Price change$375,000
2025-07-09Listed for sale$399,900
2025-07-07Listing removed$399,900
2025-06-30Price change$399,900
2025-03-18Price change$419,900
2025-01-06Price change$445,000
2024-11-26Listed for sale$465,000
2023-07-29Listing removed--
2023-06-21Price change$479,000
2023-06-01Price change$574,900
2023-05-10Listed for sale$599,000
2019-12-23Listing removed$169,900
2019-08-13Price change$169,900
2019-05-03Price change$174,900
2019-02-05Listed for sale$184,900
2017-01-09Listing removed$119,000
2017-01-06Pending sale$119,000
2017-01-06Listed for sale$119,000
2008-09-12Sold$90,000

For Sale by Agent

AgentJulie Kadlec Vorachek
BrokerageOxford Realty

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