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8135 County Road 65 NE, Deer River, MN, 56636

2beds
1baths
780sqft
$229,000
$294price/sqft
$1,587/moest. monthly cost
$63,480/yrincome needed

About This Home

First time offered! Property has been in the same family since 1911.Property was an old hunting and fishing camp resort many years ago. This charming 2-bedroom, 1-bath cottage nestled on the waters edge. 297 feet of lakeshore, plus or minus and a total of 5.69 acres plus or minus pending the final survey and county approval including the county rd. Approximately 1.26 acres +or- on the lakeside ,and the balance of mature timber across the road. This property is a one of a kind opportunity , and is nestled on the shores of beautiful Little Vermillion Lake known for excellent fishing, canoeing, and kayaking, this property is a true gem. If you're seeking a peaceful getaway, a basecamp for adventures, or a private lakeside retreat, this is it. Cabin needs a little TLC, but has great bones, and will be sold as is, fully furnished.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

3/10
Remer Elementary SchoolGrades PK-69.6 mi
3/10
Northland SecondaryGrades 7-129.6 mi

Construction

Condition

  • Year built: 1929

Materials

  • Roof: Age Over 8 Years

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom

  • Level: Main
  • Area: 80
  • Dimensions: 10x8

Bedroom2

  • Level: Main
  • Area: 80
  • Dimensions: 10x8

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Family Room

  • Level: Main
  • Area: 160
  • Dimensions: 20x8

Features

  • Finished area below ground: 0
  • Finished area above ground: 780

Heating & Cooling

  • Heating features: Baseboard,Wood Stove
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 780
  • Total interior livable area: 780 sqft

Kitchen

  • Level: Main
  • Area: 136
  • Dimensions: 17x8

Living Room

  • Level: Main
  • Area: 187
  • Dimensions: 17x11

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 430211403
  • Zoning description: Residential-Single Family
  • Foundation area: 780

Features

  • Levels: One
  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(4-10),Lake Bottom(Undeveloped,Weeds)
  • Frontage length: Water Frontage: 297

Lot

  • Lot size: 5.69 Acres
  • Lot size dimensions: Irregular

Parking

  • Parking features: Driveway - Other Surface
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters in Cass 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 $1,157$13,884
Home Insurance *$184$2,208
Property Taxes $76$912
Electricity $170$2,050
Total$1,587$19,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,411/yr
40% on housing$47,610/yr
45% on housing$42,320/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 56636$97
Cass County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 56636$139
Cass County$210

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
2025-09-23Listed for sale$229,000

For Sale by Agent

AgentJohn Moengen
BrokerageNational Realty Guild

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