12949 Birch Dr, Sauk Centre, MN, 56378
About This Home
For Sale: Lake Home on Sauk Lake -- FSBO -- Sauk Centre, MN -- Custom built walkout rambler on 125 ft of gently sloped shoreline. View is amazing looking from the head of Sauk Lake. This spacious 4200 square foot home, built in 2008, offers main floor living with plenty of room for guests. The floor plan is open with 9-ft ceilings, oversized windows and gas fireplaces both up & down. Main floor master suite includes a large walk-in closet, whirlpool tub, and spacious shower. Kitchen features oak cabinets with a center island, Silestone countertops, SS appliances & a walk-in pantry. Main floor laundry/mud room is conveniently located. Garage is 3 stalls with heated floors and a large attic for storage. Basement is completely finished with a spacious family room/den, wet bar, 3 large bedrooms with an additional flex room that could serve as a 4th lower level bedroom, heated floors and an impressive amount of storage. Outdoor highlights include maintenance free deck, 2 patio sitting areas, additional parking pad, and storage shed.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2008
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer
Basement
- Basement: Finished
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Flooring: Tile,Carpet
- Fireplace: Yes
Interior Area
- Total interior livable area: 4,200 sqft
Property
Details
- Parcel number: 030048200
Features
- On waterfront: Yes
Lot
- Lot size: 0.66 Acres
Parking
- Parking features: Garage - Attached
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
- Strong Wind
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Todd 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 | $4,373 | $52,476 |
| Home Insurance * | $510 | $6,120 |
| Property Taxes | $996 | $11,952 |
| Electricity | $354 | $4,250 |
| Total | $6,233 | $74,796 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-07 | Listed for sale | $875,000 |
| 2020-12-31 | Sold | $600,000 |
| 2009-03-25 | Sold | $515 |
View on Zillow