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20266 Windhill Dr, Bemidji, MN, 56601

5beds
4baths
4,155sqft
$998,800
$240price/sqft
$6,613/moest. monthly cost
$264,520/yrincome needed

About This Home

Lake Plantangenet living at its best, this 5 bed, 4 bath, custom Log Home features 2 acres of beautiful yard with patio, decks, a beautiful waterfall and pond, a 15' x 20' screen room with vaulted ceilings and a florida room. Beautiful kitchen and dining room, a cozy fireplace in the living room, and main floor laundry. The upper floor features the primary suite with a steam shower and soaking tub. Another room features the hot tub and exercise equipment with a walk out to the backyard pond and patio. The lower level has a family/game room with an additional fireplace and a hand crafted wet bar. Extra 36' x 40' garage with concrete floor and electric perfect for storage and all of your extra fun things. Home comes complete with furniture, the new dock is also included in the sale, this well-maintained property is ready to move into. Some personal items are to remain with owner. Don't pass this one by!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
6/10
Bemidji Middle SchoolGrades 6-86.1 mi
6/10

Construction

Condition

  • Year built: 1989

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 1
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,500
  • Finished area above ground: 2,655

Heating & Cooling

  • Heating features: Dual Fuel/Off Peak,Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,155
  • Total interior livable area: 4,155 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 220101320
  • Zoning description: Residential-Single Family
  • Foundation area: 1500

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake View,Lake Bottom(Hard,Soft,Weeds)

Lot

  • Lot size: 2 Acres
  • Lot size dimensions: 150 x 544 x 150 x 551

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Drought
Inland Flooding
Lightning
Tornado
Wildfire

FEMA Declared Disasters in Hubbard 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 $5,050$60,600
Home Insurance *$648$7,776
Property Taxes $565$6,780
Electricity $350$4,205
Total$6,613$79,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,731/yr
40% on housing$198,390/yr
45% on housing$176,346/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 56601$156
Hubbard County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 56601$160
Hubbard County$144

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
2025-04-09Price change$999,900
2024-11-01Listed for sale$1,099,900
2024-10-16Listing removed$1,099,900
2024-08-26Price change$1,099,900
2024-08-06Price change$1,149,900
2024-05-31Listed for sale$1,199,900
2022-11-02Listing removed--
2022-06-22Price change$1,599,999
2022-05-10Listed for sale$1,800,000
2021-11-23Listing removed--
2021-09-13Listed for sale$1,800,000

For Sale by Agent

AgentSusan Snider
BrokerageGrimes Realty

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