25388 County Road 523, Effie, MN, 56639
About This Home
Welcome to the Lake! This year-round home on Deer Lake situated just 40 feet from the lakeshore is well maintained and has breathtaking lake views. This two bedroom home rests on just under an acre featuring 261 feet of shoreline. The home boasts vaulted ceilings, stainless steel appliances, natural woodwork throughout, an attached heated garage and southeastern lake views. The property showcases a spacious sand beach. lush enclosed garden, wonderfully maintained garden beds, and a heated detached garage. Just a short walk from the patio door to the shoreline, this lot is level and comes with its own boat launch. Deer Lake is known for yielding numerous large northern catches, trophy small mouth bass, and also offers excellent walleye, pan fish and Largemouth bass angling. The seller is marketing this property as a turn-key opportunity, with a separate bill of sale to be provided.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2011
Materials
- Construction materials: Block
Type & Style
- Home type: MobileManufactured
- Property subType: Manufactured Home
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Exhaust Fan,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Crawl Space
Bedroom
- Level: Main
- Area: 196
- Dimensions: 14x14
Bedroom2
- Level: Main
- Area: 154
- Dimensions: 11x14
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,360
Heating & Cooling
- Heating features: Baseboard
- Cooling features: None
Interior Area
- Total structure area: 1,360
- Total interior livable area: 1,360 sqft
Kitchen
- Level: Main
- Area: 105
- Dimensions: 10x10.5
Laundry
- Level: Main
- Area: 60
- Dimensions: 6x10
Living Room
- Level: Main
- Area: 308
- Dimensions: 14x22
Mud Room
- Level: Main
- Area: 60
- Dimensions: 6x10
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 102154102
- Zoning description: Residential-Single Family
- Other equipment: Fuel Tank - Rented
- Foundation area: 1360
Features
- Levels: One
- Stories: 1
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(0-4),Lake Bottom(Sand)
- Frontage length: Water Frontage: 261
Lot
- Lot size: 0.80 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 220 x 425 x 187 x 261
Parking
- Total spaces: 2
- Parking features: Attached,Detached Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Carport spaces: 1
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
- Inland Flooding
- Landslide
- Lightning
- Strong Wind
- 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 | $2,149 | $25,788 |
| Home Insurance * | $286 | $3,432 |
| Property Taxes | $260 | $3,120 |
| Electricity | $170 | $2,050 |
| Total | $2,865 | $34,380 |
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 |
|---|---|---|
| 2026-02-04 | Listed for sale | $425,000 |
| 2019-06-04 | Sold | $175,000 |
| 2019-05-02 | Pending sale | $198,900 |
| 2018-11-26 | Price change | $198,900 |
| 2018-05-30 | Price change | $219,900 |
| 2018-04-06 | Listed for sale | $228,900 |
| 2016-07-01 | Listing removed | $243,900 |
| 2016-03-03 | Price change | $243,900 |
| 2015-08-26 | Listed for sale | $249,900 |
For Sale by Agent
View on Zillow