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6502 Birch Beach Dr NW, Williams, MN, 56686

2beds
1baths
576sqft
$249,900
$434price/sqft
$1,776/moest. monthly cost
$71,040/yrincome needed

About This Home

Charming 2-Bedroom Cabin on Prized Birch Beach! Rare opportunity to own a cozy, updated cabin at Birch Beach on the legendary Lake of the Woods in northern Minnesota! Nestled in this sought-after, quiet community (just north of Williams), this property is a true gem—small waterfront parcels like this seldom come on the market. This welcoming 2-bedroom, 1-bath cabin has been nicely refreshed with numerous recent updates, including fresh siding, modern mechanical systems, and updated plumbing—ready for immediate enjoyment or hassle-free ownership. There is a 1 bedroom guest cabin that is a perfect spot for your extra company! The compact layout maximizes comfort and efficiency, perfect for weekend getaways, family retreats, or as a peaceful fishing/hunting base. Lake of the Woods is world-famous for its walleye, sauger, pike, and muskie fishing, plus endless boating, ice fishing, and outdoor adventures across its vast waters and islands. Birch Beach offers that classic Northwoods vibe with easy lake access and a serene setting. Don’t miss this hard-to-find slice of paradise—properties here move fast!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Lake Of The Woods SecondaryGrades 7-1221.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Free Standing,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 576

Heating & Cooling

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

Interior Area

  • Total structure area: 576
  • Total interior livable area: 576 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 165101240
  • Zoning description: Residential-Single Family
  • Foundation area: 576

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Frontage length: Water Frontage: 50

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: 50 x 140

Parking

  • Parking features: Gravel

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Drought
Wildfire

FEMA Declared Disasters in Lake of the Woods 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 $1,263$15,156
Home Insurance *$173$2,076
Property Taxes $170$2,040
Electricity $170$2,050
Total$1,776$21,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,891/yr
40% on housing$53,280/yr
45% on housing$47,360/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: 18.1%
18.1%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -9.4%
-9.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$434This listing

vs Other Active Listings

Avg $/sqft

ZIP 56686$105
Lake of the Woods County$123

vs Homes Sold Last Month

Median $/sqft

ZIP 56686
Lake of the Woods County$170

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
2026-03-04Listed for sale$259,000
2025-12-13Listing removed$249,000
2025-10-22Price change$249,000
2025-09-04Price change$269,000
2025-08-08Price change$280,000
2025-07-01Price change$285,000
2025-06-12Price change$295,000
2025-05-08Price change$298,000
2024-12-13Listed for sale$311,200
2022-05-25Sold$185,000
2022-04-18Pending sale$179,900
2022-04-13Listed for sale$179,900
2019-07-31Sold$110,000
2019-06-24Pending sale$99,500
2019-06-19Listed for sale$99,500

For Sale by Agent

AgentDillon Reed
BrokerageReed Realty

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