




3129 Vale Cir SW, Prior Lake, MN, 55372
About This Home
Discover a rare opportunity to own 1.67 private acres with navigable waterfront access in the heart of Prior Lake. Built in 2021 by Key Land Homes, this custom single-level residence offers 2 bedrooms, 2 bathrooms, and an oversized 2-car garage, blending modern construction with an incredible natural setting. Situated on the waterway connecting Spring Lake and Upper Prior Lake, this unique property includes the ability to install a private dock, providing direct boat access to Prior Lake for endless days of boating, fishing, watersports, and sunset cruises right from your own backyard. Surrounded by mature trees, the home offers exceptional privacy and an "Up North" feel while remaining just minutes from shopping, dining, schools, and all the conveniences of Prior Lake. The current owners have thoughtfully created a Well-manicured trail throughout the property, allowing you to enjoy peaceful walks, wildlife, and your own secluded retreat in every season. Inside, you'll appreciate the quality craftsmanship and thoughtful design of this nearly new home, featuring an open-concept layout, abundant natural light, and comfortable main-level living. Whether you're entertaining guests, relaxing after a day on the lake, or exploring your own wooded acreage, this property delivers a lifestyle that is incredibly difficult to find. Property Highlights • Built in 2021 by Key Land Homes • 2 bedrooms | 2 bathrooms • Oversized 2-car garage • 1.67-acre wooded lot • Waterway frontage with dock • Direct boating access to Upper Prior Lake • Mature trees providing outstanding privacy • Private walking trails throughout the property • "Up North" atmosphere just minutes from city conveniences • A rare combination of newer construction, acreage, waterfront access, and an unbeatable Prior Lake location. This is a one-of-a-kind property offering the best of lake living, privacy, and modern comfort—all in the heart of Prior Lake. The lower level of this home has 1,888 Square footage to be finished, which could include up to 4 bedroom or a combination of 2 bedrooms, an office and a family room. In addition, the lower level also has a rough in Full Bathroom. The possibilities are endless to make this home your own.
Getting Around
Schools
Construction
Condition
- New construction: Yes
- Year built: 2021
Materials
- Roof: Age 8 Years or Less,Asphalt,Pitched
- Construction materials: Block,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Disposal,Dryer,Exhaust Fan,Humidifier,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
- Laundry features: Gas Dryer Hookup,Laundry Room,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Daylight,Drain Tiled,Egress Window(s),Full,Sump Basket,Sump Pump,Unfinished
Bedroom
- Level: Main
- Area: 280
- Dimensions: 14x20
Bedroom2
- Level: Main
- Area: 169
- Dimensions: 13x13
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 286
- Dimensions: 11x26
Features
- Finished area below ground: 0
- Finished area above ground: 1,770
Garage
- Level: Main
- Area: 638
- Dimensions: 29x22
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,658
- Total interior livable area: 1,770 sqft
Kitchen
- Level: Main
- Area: 198
- Dimensions: 11x18
Laundry
- Level: Main
- Area: 35
- Dimensions: 7x5
Living Room
- Level: Main
- Area: 437
- Dimensions: 19x23
Other
- Level: Lower
- Area: 1888
- Dimensions: 59x32
Walk In Closet
- Level: Main
- Area: 42
- Dimensions: 7x6
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 251330392
- Zoning description: Residential-Single Family
- Foundation area: 1888
Features
- Levels: One
- Stories: 1
- Pool features: None
- Fencing: None
- Has view: Yes
- View description: North,Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Creek/Stream,Lake View,Waterfront Elevation(10-15),Lake Bottom(Gravel)
Lot
- Lot size: 1.47 Acres
- Features: Accessible Shoreline,Tree Coverage - Medium
- Lot size dimensions: 42 x 120 x 123 x 51 x 42 x 43 x 58 x 64 x 246 x 239 x 134 x 232
Parking
- Total spaces: 2
- Parking features: Attached,Asphalt,Garage Door Opener
- 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
- Strong Wind
- Cold Wave
- Hail
- Heat Wave
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Scott 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 | $4,298 | $51,576 |
| Home Insurance * | $461 | $5,532 |
| Property Taxes | $704 | $8,448 |
| Electricity | $170 | $2,050 |
| Total | $5,633 | $67,596 |
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 |
|---|---|---|
| 2026-08-02 | Listed for sale | $850,000 |
| 2020-07-15 | Sold | $310,000 |
