21124 Shallow Lake Rd, Warba, MN, 55793
About This Home
Looking for a turnkey, year round getaway? This charming lake cottage offers the perfect blend of rustic character and comfortable living. The open floor plan features a beautiful rock fireplace, main floor laundry, and an inviting atmosphere that's perfect for relaxing after a day on the water. The spacious three season porch is sure to become your favorite gathering spot, offering breathtaking sunset views across the lake. Outside, you'll find 101 feet of sandy lakeshore with just a few easy steps to the water, plus two docks ready for your boat, kayaks, and all your lake adventures. Additional features include a two-stall garage, drilled well, newer compliant septic and high speed internet availability, allowing you to stay connected while enjoying the peaceful Northwoods setting. Best of all, the property is being sold with the furnishings and décor included, making it a truly turnkey opportunity. Shallow Lake, despite its name, reaches depths of 85 feet and is known for its excellent fishing, supporting a variety of fish species while providing outstanding year-round recreation. Whether you're looking for a weekend escape or a cozy year round lake home, this property is ready to be enjoyed from day one.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Roof: Metal
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Partial
Bedroom
- Level: Main
- Area: 96
- Dimensions: 10x9.6
Bedroom2
- Level: Main
- Area: 86.4
- Dimensions: 9.6x9
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace features: Living Room,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 836
Foyer
- Level: Main
- Area: 86.33
- Dimensions: 9.7x8.9
Heating & Cooling
- Heating features: Forced Air
- Cooling features: None
Interior Area
- Total structure area: 1,236
- Total interior livable area: 836 sqft
Kitchen
- Level: Main
- Area: 171
- Dimensions: 19x9
Living Room
- Level: Main
- Area: 220.4
- Dimensions: 19x11.6
Porch
- Level: Main
- Area: 152
- Dimensions: 19x8
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 124400150
- Zoning description: Shoreline
- Foundation area: 836
Features
- Levels: One
- Stories: 1
- Patio & porch: Enclosed,Rear Porch
- Has view: Yes
- View description: Lake,West
- 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: 101
Lot
- Lot size: 0.43 Acres
- Lot size dimensions: 101 x 236 x 90 x 200
Parking
- Total spaces: 2
- Parking features: Detached 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
- Lightning
- Strong Wind
- Heat Wave
- Inland Flooding
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Itasca County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,516 | $18,192 |
| Home Insurance * | $104 | $1,248 |
| Property Taxes | $218 | $2,616 |
| Electricity | $170 | $2,050 |
| Total | $2,008 | $24,096 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-31 | Listed for sale | $299,900 |
| 2021-06-07 | Sold | $235,000 |
| 2021-05-10 | Pending sale | $209,500 |
| 2021-05-05 | Listed for sale | $209,500 |
| 2013-10-09 | Sold | $120,000 |
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