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7277 100th Ave SE, Clear Lake, MN, 55319

3beds
2baths
1,280sqft
$450,000
$352price/sqft
$2,996/moest. monthly cost
$119,840/yrincome needed

About This Home

Experience the best of lakefront living with this beautifully updated home on Big Elk Lake, offering 88 feet of shoreline, panoramic water views, a private dock, and a cement boat ramp for effortless access to the water. Whether you’re boating, fishing, swimming, or simply relaxing by the shoreline, this exceptional property offers the perfect blend of comfort, recreation, and breathtaking scenery. Thoughtfully renovated throughout, this move-in-ready home features an inviting open-concept floor plan designed to maximize natural light while showcasing stunning lake views from the main living areas. The beautifully remodeled kitchen serves as the heart of the home, featuring brand-new cabinetry, stone countertops, stainless steel appliances, and contemporary finishes that are ideal for both everyday living and entertaining. Recent improvements provide exceptional value and peace of mind, including insulated windows, aluminum soffits, insulated exterior walls, a new water heater, well pump, septic tank, updated dock, remodeled bath fixtures, new tile, luxury vinyl plank flooring, and numerous additional updates throughout the home. As an added bonus, the sale includes most furnishings along with a pontoon boat, making this a truly turnkey opportunity. Step outside and enjoy everything that makes lake living so special. With 88 feet of shoreline, spectacular panoramic views, a private dock, and plenty of space to gather with family and friends, this property is designed for making lasting memories. The oversized detached two-car garage also features a 14’ x 19’ insulated and heated workshop, providing the perfect space for hobbies, storage, or year-round projects. Whether you’re searching for a full-time residence, the perfect weekend escape, or an investment opportunity, this property checks every box. The home is currently operating as a successful Airbnb, making it an outstanding opportunity for buyers seeking a turnkey short-term rental or vacation home. With its desirable lakefront location, extensive updates, included furnishings, and pontoon boat, you can begin enjoying—or generating income from—this incredible waterfront retreat from day one.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
3/10
South Junior High SchoolGrades 6-812.2 mi
3/10

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Water Filtration System,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 140
  • Dimensions: 14x10

Bedroom2

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Bedroom3

  • Level: Main
  • Area: 96
  • Dimensions: 12x8

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,280

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Kitchen

  • Level: Main
  • Area: 126
  • Dimensions: 14x9

Laundry

  • Level: Main
  • Area: 90
  • Dimensions: 10x9

Living Room

  • Level: Main
  • Area: 403
  • Dimensions: 31x13

Utility Room

  • Level: Main
  • Area: 50
  • Dimensions: 10x5

Property

Accessibility

  • Accessibility features: No Stairs Internal

Details

  • Parcel number: 204040140
  • Zoning description: Shoreline,Residential-Single Family
  • Foundation area: 1280

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes
  • View description: Panoramic
  • On waterfront: Yes
  • Waterfront features: Dock,Lake Front
  • Frontage length: Water Frontage: 88

Lot

  • Lot size: 6,969 sqft
  • Features: Accessible Shoreline,Tree Coverage - Medium
  • Lot size dimensions: 92 x 96 x 88 x 99

Parking

  • Total spaces: 4
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Drought
Hail
Lightning
Tornado

FEMA Declared Disasters in Sherburne 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 $2,275$27,300
Home Insurance *$265$3,180
Property Taxes $286$3,432
Electricity $170$2,050
Total$2,996$35,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,720/yr
40% on housing$89,880/yr
45% on housing$79,893/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$352This listing

vs Other Active Listings

Avg $/sqft

ZIP 55319$186
Sherburne County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 55319$194
Sherburne County$175

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
2026-08-15Listed for sale$450,000
2024-07-18Sold$264,900
2024-06-18Pending sale$249,900
2024-06-05Listed for sale$249,900
2022-07-25Sold$195,000
2022-06-28Pending sale$235,000
2022-05-18Listing removed--
2022-04-12Pending sale$235,000
2022-04-08Listed for sale$235,000
2011-01-14Sold$192,000
2005-07-06Sold$217,000
2004-04-28Sold$75,000
2003-04-14Sold$150,000
1997-10-27Sold$65,000

For Sale by Agent

AgentMark P. Abdel
BrokerageRE/MAX Advantage Plus

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