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2120 Birchmont Dr NE, Bemidji, MN, 56601

3beds
2baths
2,883sqft
$439,000
$152price/sqft
$3,182/moest. monthly cost
$127,280/yrincome needed

About This Home

Quality-built Lake Bemidji home offering rare lakeside living directly across from the BSU campus. Enjoy beautiful sunrise views, a gradual slope to the water, and a sandy lake bottom in one of the area’s most convenient and desirable locations. This eclectic 3-bedroom, 2-bath home offers more than 2,600 square feet of living space with a flexible layout ready for updates. The home is filled with character, including extensive built-ins throughout that add warmth, charm, and practical storage that's rarely found in newer construction. The walkout lower level opens to a spacious lakeside patio, creating an easy indoor-outdoor connection ideal for relaxing, entertaining, and enjoying the water. Additional features include steel siding, many newer windows that bring in abundant natural light, and a large, separate lower-level bonus room perfect for an artist’s studio, an office, or a maker space. The double-deep garage provides ample room for two vehicles plus storage. The location is exceptional—directly across from BSU, offering walkability to campus events, cultural programming, and athletics, as well as nearby biking and walking paths throughout the neighborhood. This property is especially well suited for remote workers who seek a peaceful yet connected lake setting, parents of BSU students who are looking for a strong investment and convenient base, or Minneapolis–St. Paul buyers who’d like an accessible, four-season lake retreat with character and long-term upside. Enjoy the full Lake Bemidji lifestyle—boating to local restaurants, the state park, music events, and 4th of July fireworks—all from a home that blends location, livability, and opportunity on one of northern Minnesota’s most sought-after lakes.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

2/10
6/10
Bemidji Middle SchoolGrades 6-81.8 mi
6/10

Construction

Condition

  • Year built: 1951

Materials

  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Partially Finished

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,200
  • Finished area above ground: 1,326

Heating & Cooling

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

Interior Area

  • Total structure area: 2,883
  • Total interior livable area: 2,883 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 800319900
  • Zoning description: Residential-Single Family
  • Foundation area: 1326

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(4-10),Lake Bottom(Sand)
  • Frontage length: Water Frontage: 64

Lot

  • Lot size: 0.29 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 64 x 179

Parking

  • Total spaces: 2
  • Parking features: Attached,Paved Lot
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather
Hail
Lightning
Tornado

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 $2,219$26,628
Home Insurance *$284$3,408
Property Taxes $436$5,232
Electricity $243$2,917
Total$3,182$38,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,097/yr
40% on housing$95,460/yr
45% on housing$84,853/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
2026-04-09Listed for sale$499,000

For Sale by Agent

AgentMark Dickinson
BrokerageCentury 21 Dickinson

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