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10851 Long Lake Dr NE, Bemidji, MN, 56601

3beds
3baths
1,874sqft
$324,800
$173price/sqft
$2,274/moest. monthly cost
$90,960/yrincome needed

About This Home

You are in luck - Previous buyer's financing fell through 5 days before closing - Buy with confidence - Home Inspection, appraisal and title work have been done! Tucked among the trees, this beautifully updated 3-bedroom, 3-bath home offers the perfect blend of privacy, style, and recreation. Enjoy deeded access to Turtle River Lake with a private boat launch, making it easy to spend your days fishing, boating, swimming or simply enjoying the water. Inside, you’ll appreciate the attention to detail throughout, including the custom wood accent walls, a stunning tray ceiling in the entry, and numerous architectural details that give this home warmth and character. The open living spaces are bright and inviting, while the recent updates provide a fresh, modern feel. The renovated lower level expands your living space with a beautifully finished family room that features touches like the modern fireplace with a wood beam mantel, which creates a warm, modern farmhouse focal point. You will also appreciate the addition of a new ¾ bath, creating the lower level to be the perfect area for guests, entertaining, or relaxing. Whether you’re enjoying the peaceful wooded setting, launching the boat for an afternoon on Turtle River Lake, or relaxing inside this thoughtfully updated home, this property offers the Northern Minnesota lifestyle you’ve been looking for.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
6/10
Bemidji Middle SchoolGrades 6-812.4 mi
6/10
Bemidji Senior High SchoolGrades 9-1213.6 mi

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Age 8 Years or Less,Architectural Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Exhaust Fan,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: In Basement,Electric Dryer Hookup,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 623
  • Finished area above ground: 1,251

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,874
  • Total interior livable area: 1,874 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 480087600
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 671

Features

  • Levels: Multi/Split
  • Patio & porch: Patio
  • Waterfront features: Deeded Access

Lot

  • Lot size: 1.07 Acres
  • Features: Accessible Shoreline,Tree Coverage - Heavy
  • Lot size dimensions: 172 x 335 x 160 x 280

Parking

  • Total spaces: 2
  • Parking features: Heated Garage,Insulated Garage,Tuckunder Garage
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
Hail
Lightning
Strong Wind
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 $1,642$19,704
Home Insurance *$210$2,520
Property Taxes $252$3,024
Electricity $170$2,050
Total$2,274$27,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,965/yr
40% on housing$68,220/yr
45% on housing$60,640/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

$173This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$324,800
2026-07-07Listed for sale$324,800
2021-03-22Sold$177,500
2021-01-25Pending sale$177,500
2021-01-22Listed for sale$177,500
2020-10-23Listing removed$184,900
2020-09-29Listed for sale$184,900
2020-08-20Pending sale$184,900
2020-08-20Listed for sale$184,900

For Sale by Agent

AgentThe Hoover Group
BrokerageReal Broker, LLC

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