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13094 Island Lake Rd W, Lengby, MN, 56651

3beds
1baths
1,092sqft
$350,000
$321price/sqft
$2,815/moest. monthly cost
$112,600/yrincome needed

About This Home

Year round waterfront lake cabin with small garage, dock, and furnished. Two decks, one attached to the cabin and one close to the water with a tall patio table and chairs, sand beach with rock edge and beach side shed. The main bedroom has a short king bed with patio doors and lake view. Bedrooms two and three have full sized beds. Sunroom has a tv, recliner and nice wood futon with drawers underneath, so there is lots of room for sleeping. The living area has an electric fireplace, TV, couch, and love seat. There is a kitchen table with four chairs and two barstools. Heated with baseboards and has a in wall air conditioner unit. The cabin is tucked in a a nice bay and blocked from wind and has beautiful views of the sunrise. The lake bottom in front of the cabin is solid and great for floating and swimming.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

8/10
9/10
Fosston SecondaryGrades 7-129.4 mi

Construction

Condition

  • Year built: 1971

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Architectural style: TRANSITIONAL

Interior

Appliances

  • Appliances included: Range / Oven

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Wall

Interior Area

  • Total interior livable area: 1,092 sqft

Property

Details

  • Parcel number: 074000090
  • Lease amount: 0

Features

  • Patio & porch: Deck
  • Exterior features: Vinyl,Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Lake,Waterfront
  • Waterbody name: Island Lake
  • Frontage length: 189

Lot

  • Lot size: 7,649 sqft
  • Features: Trees

Parking

  • Total spaces: 1
  • Parking features: Garage - Detached

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
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Winter Weather
Drought
Lightning
Tornado
Wildfire

FEMA Declared Disasters in Mahnomen 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 $1,769$21,228
Home Insurance *$638$7,656
Property Taxes $238$2,856
Electricity $170$2,050
Total$2,815$33,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,514/yr
40% on housing$84,450/yr
45% on housing$75,066/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$321This listing

vs Other Active Listings

Avg $/sqft

ZIP 56651
Mahnomen County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 56651
Mahnomen County$47

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
2026-08-11Pending sale$350,000
2026-06-13Listed for sale$350,000
2022-09-21Listing removed--
2022-08-29Pending sale$324,900
2022-07-18Price change$324,900
2022-07-12Listed for sale$349,900

For Sale by Owner

AgentL Oslund

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