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36812 Deer St, Aitkin, MN, 56431

2beds
2baths
1,400sqft
$364,900
$261price/sqft
$2,394/moest. monthly cost
$95,760/yrincome needed

About This Home

Enjoy simple maintenance free one level living in this newer built 2 bedroom, 2 bath home set on 4.8 beautifully treed acres. A spacious open floor plan welcomes you with a large kitchen, custom cabinetry, walk in pantry, flowing into a sun filled living room anchored by a modern gas fireplace. The primary suite offers a spacious retreat with a walk in ceramic tile shower. A second bedroom, office, and laundry with sink provide convenience and flexibility. Maintenance free steel siding, in floor heat, off peak boiler and mini split A/C keep the home cozy throughout the seasons. Relax or entertain on the expansive patio overlooking your beautiful yard. Enjoy the practicality of an attached insulated and heated 2 car garage with an asphalt driveway. Within minutes of many lakes and downtown Aitkin.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
7/10
Aitkin Secondary SchoolGrades 7-126.3 mi

Construction

Condition

  • Year built: 2017

Materials

  • Roof: Age Over 8 Years,Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Electric Water Heater,Refrigerator,Wall Oven,Washer
  • Laundry features: Laundry Room,Sink

Basement

  • Basement: None

Bathroom

  • Level: Main
  • Area: 56.823
  • Dimensions: 9.3 x 6.11

Bedroom

  • Level: Main
  • Area: 286.65
  • Dimensions: 19.5 x 14.7

Bedroom2

  • Level: Main
  • Area: 128.7
  • Dimensions: 11 x 11.7

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,400

Heating & Cooling

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

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Kitchen

  • Level: Main
  • Area: 235.46
  • Dimensions: 19.3 x 12.2

Laundry

  • Level: Main
  • Area: 67.9
  • Dimensions: 9.7 x 7

Living Room

  • Level: Main
  • Area: 297.22
  • Dimensions: 15.4 x 19.3

Office

  • Level: Main
  • Area: 83.187
  • Dimensions: 11.7 x 7.11

Other

  • Level: Main

Primary Bathroom

  • Level: Main
  • Area: 75.84
  • Dimensions: 9.6 x 7.9

Property

Accessibility

  • Accessibility features: Grab Bars In Bathroom,No Stairs External,No Stairs Internal,Roll-In Shower

Details

  • Parcel number: 240041107
  • Zoning description: Residential-Single Family
  • Foundation area: 1400

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio

Lot

  • Lot size: 4.80 Acres
  • Features: Tree Coverage - Light
  • Lot size dimensions: 385 x 618 x 416 x 465

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Electric,Floor Drain,Garage Door Opener,Heated Garage,Insulated Garage,Storage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters in Aitkin 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 $1,845$22,140
Home Insurance *$185$2,220
Property Taxes $194$2,328
Electricity $170$2,050
Total$2,394$28,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,080/yr
40% on housing$71,820/yr
45% on housing$63,840/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$261This listing

vs Other Active Listings

Avg $/sqft

ZIP 56431$220
Aitkin County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 56431
Aitkin County$171

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
2026-08-17Price change$325,000
2026-08-06Price change$359,000
2026-07-20Listed for sale$364,900

For Sale by Agent

AgentJessica A Janzen
BrokerageCummings Janzen Realty, Inc

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