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13591 230th St, Milaca, MN, 56353

2beds
2baths
1,152sqft
$589,900
$512price/sqft
$4,107/moest. monthly cost
$164,280/yrincome needed

About This Home

Experience the perfect blend of comfort, functionality, and privacy with this beautifully designed 2-bedroom, 2-bath home set on 40 mostly wooded acres. Groomed trails wind throughout the property, offering endless opportunities for hiking, ATV riding, hunting, or simply enjoying the peaceful natural surroundings. Inside, the thoughtfully designed open-concept living area seamlessly connects the family room, modern kitchen and a breakfast bar. A cozy wood stove serves as both a charming focal point and an efficient heat source, with the current owners using it throughout the winter to comfortably warm the home. The main living area also includes a guest bedroom, full bathroom, and a convenient laundry room. This relaxing home is also wired for sound with ceiling recessed speakers controlled from each of the rooms in the living space. The owner's suite is designed for comfort and accessibility, featuring a large ensuite bath with an oversized walk-in/roll-in shower, double vanities, and abundant counter space. Step directly from the bedroom onto the inviting three-season screened porch or unwind on the adjoining covered patio while taking in the beauty and privacy of the surrounding woods. A true highlight of the property is the impressive attached 40' x 60' heated garage. Boasting 14-foot sidewalls and a finished vaulted interior, this versatile space is ideal for vehicles, recreational equipment, hobbies, or entertaining. The east end includes a 6' x 12' office, a 12' x 24' woodworking shop, and an 8' x 12' pantry/storage room. Above these rooms, a fully enclosed 12' x 40' attic provides generous additional storage. The remaining 40' x 48' heated garage area features three overhead doors—two measuring 10' x 10' and one oversized 10' x 13'—making it easy to accommodate larger vehicles, campers, or outdoor equipment. With the expansive garage's south-facing roofline, this property offers exceptional potential for solar panel installation, making it an excellent option for buyers interested in reducing energy costs or pursuing an off-grid lifestyle. Additional outbuildings enhance the property's versatility. A 12' x 16' garden shed includes a chicken coop with access to a secure fenced outdoor run, making it perfect for hobby farming. A 24' x 30' detached garage/storage building offers electricity, a dirt floor, and both end-load and side-load overhead doors, providing ample space for equipment, tractors, or extra storage. Whether you're looking for a private country retreat, hobby farm, hunting property or private Northwoods getaway, this exceptional property offers endless possibilities in a peaceful rural setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
Milaca Elementary SchoolGrades PK-69.0 mi
7/10

Construction

Condition

  • Year built: 2015

Materials

  • Roof: Age Over 8 Years,Asphalt,Pitched

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level,Washer Hookup

Basement

  • Basement: None

Bathroom

  • Level: Main
  • Area: 45
  • Dimensions: 5 x 9

Bathroom

  • Level: Main
  • Area: 90
  • Dimensions: 10 x 9

Bedroom

  • Level: Main
  • Area: 110
  • Dimensions: 10 x 11

Bedroom2

  • Level: Main
  • Area: 221
  • Dimensions: 13 x 17

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace features: Free Standing,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,152

Heating & Cooling

  • Heating features: Boiler,In-Floor Heating,Wood Stove,Zoned
  • Cooling features: None

Interior Area

  • Total structure area: 1,152
  • Total interior livable area: 1,152 sqft

Kitchen

  • Level: Main
  • Area: 140
  • Dimensions: 10 x 14

Laundry

  • Level: Main
  • Area: 47.5
  • Dimensions: 5 x 9.5

Living Room

  • Level: Main
  • Area: 245
  • Dimensions: 14 x 17.5

Screened Porch

  • Level: Main
  • Area: 115
  • Dimensions: 10 x 11.5

Property

Accessibility

  • Accessibility features: Grab Bars In Bathroom,Partially Wheelchair,Accessible Approach with Ramp,Roll-In Shower

Details

  • Parcel number: 150150401
  • Zoning description: Residential-Single Family
  • Foundation area: 1152

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Patio,Porch,Screened

Lot

  • Lot size: 40 Acres
  • Features: Tree Coverage - Heavy
  • Lot size dimensions: 1324 x 1312 x 1317 x 1312

Parking

  • Total spaces: 5
  • Parking features: Attached,Detached Garage,Gravel,Electric,Garage,Garage Door Opener,Heated Garage,Insulated Garage,Multiple Garages,RV Access/Parking,Storage
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • Has uncovered spaces: Yes

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
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Wildfire
Winter Weather

FEMA Declared Disasters in Mille Lacs 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 $2,982$35,784
Home Insurance *$448$5,376
Property Taxes $507$6,084
Electricity $170$2,050
Total$4,107$49,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,811/yr
40% on housing$123,210/yr
45% on housing$109,520/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$512This listing

vs Other Active Listings

Avg $/sqft

ZIP 56353$144
Mille Lacs County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 56353$175
Mille Lacs County$189

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
2026-08-14Price change$579,900
2026-08-07Price change$584,900
2026-07-31Price change$589,900
2026-07-13Listed for sale$595,000

For Sale by Agent

AgentPaul J. Jackson
BrokerageHewitt Jackson Real Estate

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