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1680 Big Lake Rd, Cloquet, MN, 55720

3beds
2baths
2,408sqft
$450,000
$187price/sqft
$3,154/moest. monthly cost
$126,160/yrincome needed

About This Home

Here is a private getaway but close to town for your convenience. This stick-built home is tucked in the woods to give you privacy. Home was owners dream home, and was lovingly built to stay in. This home is one level living at its finest. There is a upper loft, with deck, however it is a small amount of the footage. this space could be walled off to create a 4th potential bedroom if desired. There is a second kitchen that makes entertaining or canning a breeze. Leave the mess in there while the main kitchen remains spotless. Attached garage has great storage up front and enters into second kitchen. This home has storage everywhere and ducts were added when building to allow for forced air or AC to be added if desired. There is a huge 54x54 pole building on the property as well. It has electricity hooked up and lines have been ran is you want to add a heat source in the future. There are decks on each level and different sides of the home. You can relax and soak up the privacy and fall colors all around you. There is a secondary shed for storage too. You will have ample storage both in and outside. The yard is huge and could easily have gardens added, or a skating rink or soccer field. This is such a great place to call home. The open floor plan opens up the conversation from the living room to the kitchen and dining area. Nobody will miss a thing, and everyone will get to connect. It's hard to find the combination of a great house, privacy, pole barn, well-kept yard, and close to town on acreage.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

6/10
5/10
Cloquet Middle SchoolGrades 5-83.1 mi
8/10
Cloquet SeniorGrades 9-123.1 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2001

Materials

  • Construction materials: Vinyl,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,408

Heating

  • Heating features: Propane

Interior Area

  • Total interior livable area: 2,408 sqft

Master Bathroom

  • Features: Full Master

Property

Details

  • Parcel number: 065104616

Lot

  • Lot size: 12 Acres
  • Lot size dimensions: 12 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Heat Wave
Inland Flooding
Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters in Carlton 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 $2,275$27,300
Home Insurance *$160$1,920
Property Taxes $516$6,192
Electricity $203$2,437
Total$3,154$37,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,137/yr
40% on housing$94,620/yr
45% on housing$84,106/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 55720$149
Carlton County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 55720
Carlton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-13Price change$475,000
2026-04-02Listed for sale$489,000
2026-03-30Listing removed$489,000
2025-12-17Price change$489,000
2025-10-06Listed for sale$499,000

For Sale by Agent

AgentNikki P Crotteau
BrokerageRE/MAX Results

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