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32139 Sunny Beach Rd, Grand Rapids, MN, 55744

4beds
2baths
3,200sqft
$850,000
$266price/sqft
$5,626/moest. monthly cost
$225,040/yrincome needed

About This Home

Perched on the shores of Pokegama Lake, this 4-bedroom, 2-bath lake home offers the kind of shoreline and setting that rarely comes available. The south-facing 1.6-acre lot features 171 feet of hard sandy shoreline, creating the perfect setting for long summer days, sunsets, and year-round enjoyment on the water. Inside, the home has seen several recent updates, including new flooring throughout and updated lighting, giving the space a fresh and inviting feel. The lower level includes a versatile fifth room with multiple possibilities—add an egress window to create a legal fifth bedroom, or use the space as an office, game room, or hobby area. Outside, a new blacktop driveway enhances the curb appeal. Storage is exceptional with a heated 28x40 garage along with a 26x36 Morton building—ideal for boats, ATVs, snowmobiles, and all the lake toys. The property also includes its own private gas tank, making it even easier to keep everything fueled up and ready for the next adventure. Whether you’re looking for a full-time lake home or a weekend retreat, this property delivers the complete lake life package on a premier body of water.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

7/10
West Rapids ElementaryGrades PK-24.0 mi
7/10

Construction

Condition

  • Year built: 1957

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block

Bedroom

  • Level: Main
  • Area: 178.9821
  • Dimensions: 11.11X16.11

Bedroom2

  • Level: Main
  • Area: 255.397
  • Dimensions: 12.7X20.11

Bedroom3

  • Level: Lower
  • Area: 106.8
  • Dimensions: 8.9X12

Bedroom4

  • Level: Lower
  • Area: 104.86
  • Dimensions: 9.8X10.7

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Family Room

  • Level: Lower
  • Area: 244.622
  • Dimensions: 20.2X12.11

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,400
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Wall Unit(s)

Interior Area

  • Total structure area: 3,307
  • Total interior livable area: 3,200 sqft

Kitchen

  • Level: Main
  • Area: 136.8
  • Dimensions: 12X11.4

Living Room

  • Level: Main
  • Area: 263.31
  • Dimensions: 13.1X20.10

Other

  • Level: Lower
  • Area: 164.64
  • Dimensions: 14.7X11.2

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 190093306
  • Zoning description: Shoreline,Residential-Single Family
  • Foundation area: 1645

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes
  • View description: South
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Bottom(Hard,Sand)
  • Frontage length: Water Frontage: 171

Lot

  • Lot size: 1.90 Acres
  • Lot size dimensions: irregular

Parking

  • Total spaces: 5
  • Parking features: Detached Garage,Asphalt,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters in Itasca 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 $4,298$51,576
Home Insurance *$557$6,684
Property Taxes $502$6,024
Electricity $269$3,238
Total$5,626$67,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$192,891/yr
40% on housing$168,780/yr
45% on housing$150,026/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 55744$177
Itasca County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 55744$143
Itasca County$129

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)

Price History

DateEventPrice
2026-07-21Price change$850,000
2026-06-10Price change$997,000
2026-05-29Listed for sale$1,100,000
2024-09-09Sold$975,000
2024-08-12Pending sale$995,000
2024-06-14Listed for sale$995,000

For Sale by Agent

AgentKaren Gessell
BrokerageCOLDWELL BANKER NORTHWOODS

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