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1012 Maple Ridge Ct NW, Bemidji, MN, 56601

5beds
3baths
2,800sqft
$424,900
$152price/sqft
$2,975/moest. monthly cost
$119,000/yrincome needed

About This Home

Welcome to 1012 Maple Ridge Court in Bemidji—a spacious and inviting ranch-style home set on 2+private acres, offering the perfect blend of comfort, functionality, and location. This solid, well-designed home features true main-level living with an open and airy layout enhanced by vaulted ceilings that seamlessly connect the living room, dining area, and kitchen. The home has an updated : Furnace, Water Heater, Well pump, septic system pump and gutters for piece of mind. The main floor offers two bedrooms, including a generously sized primary suite complete with a walk-in closet and an oversized en-suite bathroom featuring a relaxing tub and separate shower. A second full bathroom is conveniently located for guests. The kitchen is both practical and welcoming, highlighted by a large walk-in pantry and easy flow for everyday living and entertaining. Just off the dining area, step out onto the expansive deck—perfect for enjoying peaceful views of the beautifully wooded backyard. The living room is a perfect spot to cozy up to the fireplace on those chilly Minnesota days. Downstairs, the home opens up into a large lower level designed for flexibility and space. Here you’ll find three additional bedrooms, another full bathroom, and a massive bonus room ideal for a home gym, game room, hobby space, or extra storage. The walkout lower-level family room provides direct access to the backyard, bringing in natural light and extending your living space outdoors. The oversized three-stall attached garage offers excellent storage, and just beyond it is an impressive 23x26 finished space with its own garage door—ideal for a workshop, studio, or home-based business. The property also includes a dog kennel with a dog house, making it a great fit for pet lovers. Surrounded by mature trees, the 2+ acre yard provides privacy and a serene setting, all while being just minutes from shopping, dining, and everyday amenities in Bemidji. This is the perfect opportunity to enjoy space, comfort, and convenience all in one place.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
6/10
Bemidji Middle SchoolGrades 6-85.5 mi
6/10

Construction

Condition

  • Year built: 1997

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,400
  • Finished area above ground: 1,400

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s),In-Floor Heating
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 310261100
  • Zoning description: Residential-Single Family
  • Foundation area: 1350

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio,Porch

Lot

  • Lot size: 2.19 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 268 x 370

Parking

  • Total spaces: 6
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
Lightning
Strong Wind
Hail
Tornado
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 $2,148$25,776
Home Insurance *$275$3,300
Property Taxes $316$3,792
Electricity $236$2,833
Total$2,975$35,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,000/yr
40% on housing$89,250/yr
45% on housing$79,333/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

$152This 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
2026-05-04Listed for sale$453,900
2025-07-28Listing removed$458,000
2025-07-03Listed for sale$458,000

For Sale by Agent

AgentJill Larson
BrokerageHeadwaters Realty Services LLC

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