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10800 Gulden Ave NW, Maple Lake, MN, 55358

2beds
1baths
480sqft
$350,000
$729price/sqft
$2,454/moest. monthly cost
$98,160/yrincome needed

About This Home

Snuggled along 87 feet of sandy shoreline on Indian Lake, this charming lake cottage offers the perfect setting for relaxing waterfront living. The lakeside patio provides a prime vantage point for taking in breathtaking lake views, while the three-season porch allows you to enjoy the scenery well into the evening or during less-than-perfect weather. Inside, the cottage features a simple yet functional floor plan designed for easy lake living. The kitchen is highlighted by newer cabinetry and appliances, creating an attractive and practical space for everyday use. A recently installed mini-split heating and cooling system ensures year-round comfort regardless of the season. Indian Lake is known for its peaceful atmosphere, making it ideal for fishing, boating, and other recreational activities. Situated at the end of a point, this property enjoys extensive open-water view and a desirable hard-bottom shoreline, perfect for swimming and enjoying all your favorite lake activities right from your own waterfront. This lakefront property is ready to welcome you. Lake living awaits!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
7/10
Annandale Middle SchoolGrades 6-85.4 mi
8/10

Construction

Condition

  • Year built: 1955

Materials

  • Roof: Age Over 8 Years,Asphalt,Pitched

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Dryer,Refrigerator,Wall Oven,Washer,Water Softener Owned
  • Laundry features: Laundry Closet,Main Level

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 90
  • Dimensions: 9 X 10

Bedroom2

  • Level: Main
  • Area: 90
  • Dimensions: 9 X 10

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 480

Heating & Cooling

  • Heating features: Ductless Mini-Split,Space Heater
  • Cooling features: Ductless Mini-Split

Interior Area

  • Total structure area: 480
  • Total interior livable area: 480 sqft

Kitchen

  • Level: Main
  • Area: 60
  • Dimensions: 6 X 10

Living Room

  • Level: Main
  • Area: 169
  • Dimensions: 13 X 13

Other

  • Level: Main
  • Area: 140
  • Dimensions: 7 X 20

Patio

  • Level: Main
  • Area: 192
  • Dimensions: 8 X 24

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 206046000040
  • Zoning description: Residential-Single Family
  • Foundation area: 480

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Enclosed,Patio,Side Porch
  • Has view: Yes
  • View description: Lake,Panoramic
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Bottom(Hard,Sand)
  • Frontage length: Water Frontage: 87

Lot

  • Lot size: 6,969 sqft
  • Features: Irregular Lot,Tree Coverage - Medium
  • Lot size dimensions: 87 x 191 x 30 x 152

Parking

  • Parking features: Other

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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Tornado
Winter Weather

FEMA Declared Disasters in Wright 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 $1,769$21,228
Home Insurance *$245$2,940
Property Taxes $270$3,240
Electricity $170$2,050
Total$2,454$29,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,137/yr
40% on housing$73,620/yr
45% on housing$65,440/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$729This listing

vs Other Active Listings

Avg $/sqft

ZIP 55358$145
Wright County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 55358$204
Wright County$188

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
2026-08-14Price change$325,000
2026-06-12Listed for sale$350,000
2020-03-24Sold$170,000
2017-07-18Sold$132,000
2004-11-04Sold$32,500
2002-12-06Sold$105,000

For Sale by Agent

AgentGary C Dagner
BrokerageOak Realty LLP

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