See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

14129 County Road 10, Osakis, MN, 56360

2beds
1baths
936sqft
$600,000
$641price/sqft
$3,800/moest. monthly cost
$152,000/yrincome needed

About This Home

Exceptional Lake Osakis lakeshore opportunity! Nestled on a highly desirable 1.27-acre lot with 100 feet of level sandy shoreline, this property offers the flexibility to enjoy as a year-round home, family retreat, or future custom lake homesite. The one-level residence features an open-concept layout with a living area, two bedrooms, kitchenette, washer/dryer, durable LVP flooring, and a spacious epoxy-coated entry designed for lake living. Outside, enjoy a large lakeside lawn with a gentle slope to the water, concrete patio, sandy beach, shoreline rip rap protection, shoreline power post, RV hookup, 10x12 garden shed, ample parking for vehicles and trailers, and a prepared pad ready for a future addition. Located in a desirable lakeside neighborhood less than a mile from public access, this property puts you in the heart of Lake Osakis, one of Central Minnesota’s most sought-after lakes, known for excellent fishing, boating, water sports, and year-round outdoor enjoyment. Whether you're looking for a place to enjoy today or a setting to build your future lake retreat, this property offers the shoreline, space, and potential to make it your own.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Electric Water Heater,Refrigerator,Washer,Water Softener Rented
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: None

Bedroom

  • Level: Main
  • Area: 90.17
  • Dimensions: 12.7x7.10

Bedroom2

  • Level: Main
  • Area: 120.65
  • Dimensions: 12.7x9.5

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 936

Heating & Cooling

  • Heating features: Other
  • Cooling features: Window Unit(s)

Informal Dining Room

  • Level: Main
  • Area: 94
  • Dimensions: 10x9.4

Interior Area

  • Total structure area: 936
  • Total interior livable area: 936 sqft

Living Room

  • Level: Main
  • Area: 155.04
  • Dimensions: 13.6x11.4

Other

  • Level: Main
  • Area: 93.8
  • Dimensions: 14x6.7

Patio

  • Level: Main
  • Area: 312
  • Dimensions: 12x26

Utility Room

  • Level: Main
  • Area: 53.28
  • Dimensions: 7.2x7.4

Property

Accessibility

  • Accessibility features: No Stairs External,No Stairs Internal

Details

  • Parcel number: 150090300
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 936

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio
  • Fencing: None
  • Has view: Yes
  • View description: East,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(0-4),Lake Bottom(Sand)
  • Frontage length: Water Frontage: 100

Lot

  • Lot size: 1.27 Acres
  • Features: Tree Coverage - Light
  • Lot size dimensions: 101 x 533

Parking

  • Parking features: Gravel

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Cold Wave
Hail
Tornado
Winter Weather

FEMA Declared Disasters in Todd 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 $3,033$36,396
Home Insurance *$373$4,476
Property Taxes $224$2,688
Electricity $170$2,050
Total$3,800$45,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,285/yr
40% on housing$114,000/yr
45% on housing$101,333/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$641This listing

vs Other Active Listings

Avg $/sqft

ZIP 56360$163
Todd County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 56360
Todd County$125

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
2026-08-04Listed for sale$600,000
2019-03-04Sold$114,900

For Sale by Agent

AgentSara J Dvorak
BrokerageExceptional Realty

Similar Homes