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44539 Birch Park Cir, GREY EAGLE, MN, 56336

3beds
2baths
855sqft
$245,000
$287price/sqft
$1,766/moest. monthly cost
$70,640/yrincome needed

About This Home

Nestled along the southeast shores of Big Birch Lake, this charming cabin offers a rare opportunity to own a cozy getaway on one of the area’s premier lakes. Thoughtfully designed to maximize space, this 3-bedroom, 2-bath cabin comfortably sleeps up to 8—making it ideal for hosting family and friends. Upstairs bedrooms feature a pass-through layout. The property features a screened-in porch, spacious deck, and two patio areas—perfect for relaxing or entertaining outdoors. Enjoy low-maintenance living as part of a well-maintained association offering a wide range of amenities, including lawn care, general upkeep, a community storage shed, fire pits, docks, and more—everything you need to fully embrace lake life.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

7/10
Melrose Elementary SchoolGrades PK-56.7 mi
5/10
Melrose Middle SchoolGrades 6-86.8 mi
8/10
Melrose SecondaryGrades 9-126.8 mi

Construction

Condition

  • Year built: 1960

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Crawl Space

Bathroom

  • Level: Main
  • Area: 42.14
  • Dimensions: 4.9x8.6

Bedroom

  • Level: Main
  • Area: 78.26
  • Dimensions: 9.10x8.6

Bedroom2

  • Level: Upper
  • Area: 126.69
  • Dimensions: 10.3x12.3

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 855

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 855
  • Total interior livable area: 855 sqft

Kitchen

  • Level: Main
  • Area: 232.56
  • Dimensions: 15.2x15.3

Living Room

  • Level: Main

Other

  • Level: Main
  • Area: 107.16
  • Dimensions: 14.10x7.6

Patio

  • Level: Main
  • Area: 100
  • Dimensions: 10x10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 22131870066
  • Zoning description: Shoreline,Residential-Single Family
  • Foundation area: 421

Features

  • Levels: Two
  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: Association Access,Lake Front

Lot

  • Lot size: 871.20 sqft
  • Lot size dimensions: 28.5 x 29.5

Parking

  • Parking features: Asphalt,Paved Lot,Unassigned,Open
  • Has uncovered spaces: Yes

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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Strong Wind
Cold Wave
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Stearns 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 $1,238$14,856
Home Insurance *$173$2,076
Property Taxes $185$2,220
Electricity $170$2,050
Total$1,766$21,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,548/yr
40% on housing$52,980/yr
45% on housing$47,093/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: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$287This listing

vs Other Active Listings

Avg $/sqft

ZIP 56336$192
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56336
Stearns County$148

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

DateEventPrice
2026-07-17Price change$245,000
2026-06-16Price change$259,900
2026-03-23Listed for sale$274,900
2000-05-26Sold$51,000

For Sale by Agent

AgentHunter Thelen
BrokerageCentury 21 First Realty, Inc.

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