39678 Utopia Bay Ln, Waubun, MN, 56589
About This Home
Escape to the woods with this adorable, fully furnished custom-built cabin located in a rare year-round association! Tucked back in the corner, this seasonal retreat offers 1 bedroom plus a versatile loft space with immense potential, and can easily be converted for year-round enjoyment with just a few adjustments. You can truly tell the builder had an eye for detail, showcasing very cool finishes throughout including a bathroom complete with double stainless vessel sinks, roap corners, custom built wooden slab staircase and a built-in sound system featuring premium Bose speakers.One of its standout features is the cutest fully enclosed gazebo, complete with windows that open all around to catch the refreshing breeze while screens keep the bugs at bay. Take in beautiful fall and winter views of the lake from the loft! As part of the association, you'll enjoy access to 64 shared acres complete with scenic walking trails, a beautiful sandy beach on Elbow Lake, and a newly cleared open space for a potential storage shed. Don't miss your chance to own this private, detail-rich woodland oasis!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2022
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Basement
- Has basement: Yes
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 3/4 bathrooms: 1
Features
- Finished area below ground: 1,408
- Finished area above ground: 1,408
Heating & Cooling
- Heating features: Ductless Mini-Split
- Cooling features: Ductless Mini-Split
Interior Area
- Total structure area: 1,056
- Total interior livable area: 2,816 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 250555512
- Zoning description: Residential-Single Family
- Foundation area: 1056
Features
- Levels: One and One Half
- Stories: 1
- Waterfront features: Shared
Lot
- Lot size: 7,405 sqft
- Lot size dimensions: IRR
Parking
- Parking features: Open
- 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
- Winter Weather
- Cold Wave
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Drought
- Landslide
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Becker County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,263 | $15,156 |
| Home Insurance * | $130 | $1,560 |
| Property Taxes | $128 | $1,536 |
| Electricity | $237 | $2,850 |
| Total | $1,758 | $21,096 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-30 | Listed for sale | $249,900 |
| 2019-01-04 | Sold | $20,000 |
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