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5786 Mid Valley Ln NW, Bemidji, MN, 56601

4beds
3baths
2,868sqft
$389,900
$136price/sqft
$2,750/moest. monthly cost
$110,000/yrincome needed

About This Home

Still Accepting Back-Up offers!! Fun loving neighborhood just 5 minutes to town! Exceptional value with an impressive amount of finished square footage and the rare convenience of true one-level living if desired. Fresh interior paint throughout gives the home a bright, move-in-ready feel from the moment you step inside. The main floor features vaulted ceilings and an open-concept layout that creates a warm, airy atmosphere. The large kitchen is a standout, offering a beautiful quartz countertop, breakfast bar, abundant chestnut-finished oak cabinetry, and generous storage that makes cooking effortless. A kitchen window over the sink brings in natural light and frames views of the backyard. The primary bedroom with a full bathroom is located on the main level, along with an additional bedroom and the main-level laundry room, making everyday living simple and accessible. The finished basement expands your living space dramatically, featuring high ceilings, custom built-in bookshelves, two additional bedrooms, and a full bathroom—perfect for guests, extended family, or flexible use. Major updates add peace of mind, including all-new 2025 Andersen windows and a 2024 metal roof. The exterior is finished with low-maintenance vinyl siding, ensuring easy upkeep year-round. Outdoor living is exceptional here. The home sits on a huge fenced-in backyard with beautiful, established trees that offer shade, privacy, and a serene natural backdrop. Enjoy the welcoming front porch or step out the sliding glass doors to a relaxing back deck, ideal for morning coffee or evening gatherings. Attached two car garage that has an entrance close to the kitchen. With its generous layout, modern updates, fresh finishes, and the ability to live entirely on one level, this rambler offers comfort, convenience, and outstanding value. Finally, this home is just a 10 minute drive to Bemidji! Available July 11 for showings.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
6/10
Bemidji Middle SchoolGrades 6-82.5 mi
6/10

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Finished,Full

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main

Features

  • Finished area below ground: 1,400
  • Finished area above ground: 1,468

Heating & Cooling

  • Heating features: Forced Air,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,868
  • Total interior livable area: 2,868 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 150099600
  • Zoning description: Residential-Single Family
  • Foundation area: 1468

Features

  • Levels: One
  • Stories: 1
  • Fencing: Chain Link

Lot

  • Lot size: 1.04 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 150 x 300

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 WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Hail
Inland Flooding
Lightning
Strong Wind
Wildfire

FEMA Declared Disasters in Beltrami 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 $1,971$23,652
Home Insurance *$252$3,024
Property Taxes $286$3,432
Electricity $241$2,902
Total$2,750$33,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,285/yr
40% on housing$82,500/yr
45% on housing$73,333/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 56601$158
Beltrami County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 56601$160
Beltrami County$158

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
2026-07-11Listed for sale$389,900
2020-07-22Sold$279,900
2020-06-23Pending sale$279,900
2020-06-11Price change$279,900
2020-05-27Listed for sale$289,900
2008-02-29Sold$193,000

For Sale by Agent

AgentBernadette Aguilera
BrokerageHeadwaters Realty Services LLC

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