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2855 SW 8th St, Grand Rapids, MN, 55744

4beds
4baths
2,499sqft
$689,900
$276price/sqft
$4,644/moest. monthly cost
$185,760/yrincome needed

About This Home

Style, space, and a setting that invites endless memories. Built in 2022, this slab-on-grade home combines contemporary style with timeless quality situated on 1.24 acres with shared access to sought-after Pokegama Lake. Crafted with premium materials from the start including Andersen windows and LP SmartSide, the home has been thoughtfully updated since construction. Designed for main floor living, the open-concept layout features a living room anchored by a stunning stone fireplace, kitchen with center island, and dining area with access to a covered porch overlooking the fenced backyard—ideal for kids and pets. The relaxing primary suite offers a private bath with double sinks and walk-in closet, plus two additional bedrooms, a full and half bath, and a laundry/mudroom enhanced with new cabinetry and abundant storage all on the same floor. A bonus upper level flex space serves as a fourth bedroom, office, or family room. The attached three-stall garage feels like added living space with epoxy sealed floors and in-floor heat. Modern flair, quality craftsmanship, and a coveted Pokegama Lake setting make this home truly exceptional.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
West Rapids ElementaryGrades PK-20.6 mi
7/10

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 208
  • Dimensions: 13 x 16

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 11 x 12

Bedroom3

  • Level: Main
  • Area: 120
  • Dimensions: 10 x 12

Bedroom4

  • Level: Upper
  • Area: 558
  • Dimensions: 15.5 x 36

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 192
  • Dimensions: 12 x 16

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,499

Heating & Cooling

  • Heating features: Boiler,Fireplace(s),In-Floor Heating
  • Cooling features: Ductless Mini-Split

Interior Area

  • Total structure area: 2,499
  • Total interior livable area: 2,499 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 11 x 12

Living Room

  • Level: Main
  • Area: 323
  • Dimensions: 17 x 19

Mud Room

  • Level: Main
  • Area: 64
  • Dimensions: 8 x 8

Property

Accessibility

  • Accessibility features: No Stairs External

Details

  • Parcel number: 917260110
  • Zoning description: Residential-Single Family
  • Foundation area: 1704

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Rear Porch
  • Fencing: Chain Link
  • On waterfront: Yes
  • Waterfront features: Deeded Access,Lake Front,Lake Bottom(Undeveloped,Weeds)

Lot

  • Lot size: 1.25 Acres
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Hail
Heat Wave
Winter Weather

FEMA Declared Disasters in Itasca 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 $3,488$41,856
Home Insurance *$452$5,424
Property Taxes $494$5,928
Electricity $210$2,529
Total$4,644$55,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,222/yr
40% on housing$139,320/yr
45% on housing$123,840/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$276This listing

vs Other Active Listings

Avg $/sqft

ZIP 55744$177
Itasca County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 55744$143
Itasca County$129

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
2026-08-05Price change$679,900
2026-07-08Price change$689,900
2026-06-16Price change$699,900
2026-05-24Listed for sale$729,000
2026-02-06Listing removed$729,000
2026-01-20Pending sale$729,000
2026-01-16Listed for sale$729,000
2024-09-20Sold$640,000
2024-07-10Price change$646,900
2024-06-20Price change$648,999
2024-06-01Price change$649,999
2024-05-28Price change$657,500
2024-05-20Listed for sale$667,500
2023-03-17Sold$654,000
2023-02-22Pending sale$649,000
2023-02-20Listed for sale$649,000

For Sale by Agent

AgentLUKE GARNER
BrokerageCOLDWELL BANKER NORTHWOODS

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