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38204 Thornbury Way, Sturgeon Lake, MN, 55783

0beds
1baths
748sqft
$175,000
$234price/sqft
$1,241/moest. monthly cost
$49,640/yrincome needed

About This Home

Enjoy lake living without the lakefront price tag! Located on nearly a half acre in beautiful Sturgeon Lake, this well-kept seasonal cabin offers deeded access to BOTH Sturgeon Lake and Rush Lake. Spend your days enjoying the sandy beach, dock and boat access on Sturgeon Lake, while additional dock access on Rush Lake gives you even more recreational opportunities. The studio-style cabin features a functional open layout, a 3/4 bathroom, and a newer pressure-system septic. A sandpoint well provides water, and the spacious lot offers plenty of room for boats, ATVs, grilling, yard games, and relaxing around the fire. Conveniently located just a short drive from both the Twin Cities and Duluth, this is the perfect getaway to enjoy Minnesota lake life, fishing, boating, and summer/winter memories for years to come.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
3/10
Willow River SecondaryGrades 7-124.9 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1976

Materials

  • Roof: Metal
  • Construction materials: Wood,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 748

Heating

  • Heating features: Wall Unit(s)

Interior Area

  • Total interior livable area: 748 sqft

Kitchen

  • Level: Main
  • Area: 106.95
  • Dimensions: 6.9 x 15.5

Living Room

  • Level: Main
  • Area: 395.404
  • Dimensions: 16.4 x 24.11

Sun Room

  • Level: Main
  • Area: 164.26
  • Dimensions: 8.6 x 19.1

Property

Details

  • Parcel number: 336117000

Features

  • On waterfront: Yes
  • Waterfront features: Inland Lake,Waterfront Access(Deeded Access)
  • Waterbody name: Sturgeon River
  • Frontage length: 0

Lot

  • Lot size: 0.48 Acres
  • Lot size dimensions: 100 x 200

Parking

  • Parking features: None

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
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters in Pine 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 $884$10,608
Home Insurance *$152$1,824
Property Taxes $35$420
Electricity $170$2,050
Total$1,241$14,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,548/yr
40% on housing$37,230/yr
45% on housing$33,093/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 55783$264
Pine County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 55783
Pine County$105

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
2026-05-13Listed for sale$175,000
2024-05-10Sold$145,000
2024-04-13Pending sale$145,000
2024-04-12Listed for sale$145,000
2024-01-01Listing removed--
2023-09-18Price change$139,900
2023-08-08Listed for sale$150,000
2022-10-10Sold$39,000
2022-08-30Pending sale$39,000
2022-08-30Listed for sale$39,000

For Sale by Agent

AgentDave Lilja
BrokerageTHINK. Home & Land

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