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18091 Earle Brown Dr Unit E1, Garrison, MN, 56450

1beds
1baths
432sqft
$109,900
$254price/sqft
$887/moest. monthly cost
$35,480/yrincome needed

About This Home

Easy lake living in main level Lakeside Manor Condo. 1 bed, 1 bath, overlooking Wigwam Bay on Mille Lacs Lake, a premier Minnesota fishing lake in an association that provides lake life without the hassle. Whether you're looking for a full-time residence, weekend getaway, or low-maintenance retreat, this property offers the perfect combination of comfort and convenience. Includes an 8x12 storage shed. Conveniently located just 2 hours North of the Twin Cities, within 5 minutes of Grand Casino. Pets are allowed. Move-in ready, freshly painted interior. Association-maintained exterior, shared coin-operated laundry. Sale includes picnic table & umbrella. Amenities include a heated pool, sandy beach with level elevation to the docks and lake, boat slip is included. Conveniently located two hours north of the Twin Cities and near Grand Casino Mille Lacs and Northwood Hills Golf Course.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

--
Onamia Primary SchoolGrades PK-212.3 mi
3/10
Onamia High SchoolGrades 7-1212.3 mi
3/10

Construction

Condition

  • Year built: 1965

Materials

  • Construction materials: Block

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Exhaust Fan,Microwave,Range,Refrigerator
  • Laundry features: Common Area,Coin-op Laundry Owned

Basement

  • Has basement: Yes
  • Basement: None

Bedroom

  • Level: Main
  • Area: 115
  • Dimensions: 10x11.5

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 432

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Interior Area

  • Total structure area: 432
  • Total interior livable area: 432 sqft

Kitchen

  • Level: Main
  • Area: 112
  • Dimensions: 8x14

Living Room

  • Level: Main
  • Area: 126
  • Dimensions: 9x14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 099610290
  • Attached to another structure: Yes
  • Zoning description: Residential-Multi-Family,Shoreline
  • Foundation area: 432

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Heated,Outdoor Pool,Shared
  • Fencing: None
  • Has view: Yes
  • View description: Bay,Lake,Panoramic,South
  • Has water view: Yes
  • Water view: Bay,Lake
  • Waterfront features: Association Access,Dock,Lake View,Shared,Waterfront Elevation(0-4),Lake Bottom(Sand)

Lot

  • Lot size: 392.04 sqft
  • Features: Accessible Shoreline
  • Lot size dimensions: Common

Parking

  • Parking features: Parking Lot,Paved Lot

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Hail
Lightning
Tornado
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 $555$6,660
Home Insurance *$75$900
Property Taxes $87$1,044
Electricity $170$2,050
Total$887$10,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,411/yr
40% on housing$26,610/yr
45% on housing$23,653/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

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 56450$118
Mille Lacs County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 56450$236
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
2026-07-01Listed for sale$109,900
2018-11-21Sold$59,900

For Sale by Agent

AgentCarolyn Hilke
BrokerageWeichert REALTORS Tower Properties

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