28320 State Highway 65, Pengilly, MN, 55775
About This Home
Beautiful home with gourmet kitchen on Swan Lake Pengilly MN. 4 bedrooms . Office that’s 11 by 12. 2 and a half bathrooms. Deck off of the kitchen with beautiful views of the lake. There is a she shed right by the water. 2 stall garage with workshop area. Approximately 450 feet lakeshore. Huge yard that’s level to the lake. New roof.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1995
Materials
- Foundation: Wood
- Roof: Asphalt
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Range / Oven,Refrigerator,Washer
Basement
- Basement: Finished
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Flooring: Laminate
- Fireplace: Yes
Heating & Cooling
- Heating features: Forced air,Propane / Butane
- Cooling features: Central
Interior Area
- Total interior livable area: 2,295 sqft
Property
Details
- Parcel number: 180364103
Features
- Exterior features: Other,Metal
- On waterfront: Yes
Lot
- Lot size: 2.44 Acres
Parking
- Parking features: Garage - Detached
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
- Lightning
- Strong Wind
- Heat Wave
- Inland Flooding
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Itasca County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,044 | $48,528 |
| Home Insurance * | $740 | $8,880 |
| Property Taxes | $449 | $5,388 |
| Electricity | $193 | $2,322 |
| Total | $5,426 | $65,112 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-03 | Listed for sale | $799,900 |
| 2026-03-01 | Listing removed | $825,000 |
| 2025-05-22 | Listed for sale | $825,000 |
| 2024-09-03 | Listing removed | $749,000 |
| 2024-06-26 | Price change | $749,000 |
| 2023-10-07 | Price change | $799,000 |
| 2023-08-30 | Price change | $820,000 |
| 2023-06-28 | Listed for sale | $899,000 |
| 2022-12-19 | Listing removed | -- |
| 2022-10-27 | Listed for sale | $985,000 |
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