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37426 Rocky Rd, Ogema, MN, 56569

3beds
2baths
3,004sqft
$975,000
$325price/sqft
$6,215/moest. monthly cost
$248,600/yrincome needed

About This Home

WOW! You won't believe your eyes when you see this water! Turn key, 2021 built home offers luxury living on Breathtaking White Earth Lake, one of Minnesota's cleanest and purest bodies of water with a perfect balance of amenities and privacy. Situated on over 1 acre with 150 feet of gorgeous shoreline at the end of a quiet cul-de-sac and adjacent to state land, this property ensures continued tranquility in a nature-rich environment. Step inside where the beautiful interior compliments the land and immediately draws attention to the stunning 180-degree views stretching from the lake to the woods for that "treehouse vibe". Enjoy stunning sunrises and glowing sunsets from anywhere on the property. The main floor offers functional, thoughtful design with open-concept space that easily flows between living areas, featuring a wood-burning fireplace in the main living room. Gourmet kitchen features custom (soft close) cabinets, stainless steel appliances, and a water filtration system. Primary bedroom and 3/4 bathroom offer main level living. Two separate upper levels: a flexible space with lake views and a large walk-in closet, perfect for an office or guest area. The second upper level, dubbed "FROG" (Family Room Over Garage), creates a cozy, quiet retreat with a gas fireplace and a dedicated ductless mini-split. The fun continues throughout the lower level where you will find a game room, 2 additional bedrooms, dedicated laundry, storage, and a full bathroom featuring a huge soaking tub. Complete with a lakeside walkout patio with hot tub. Built with durability in mind, this home is designed for easy lake living. Key features include metal roof, Nadura ICF foundation and lake-friendly waterproof flooring throughout the main and lower levels. Equipped with in-floor radiant heat (including garage), instant tankless hot water system, air exchange system, radon mitigation system and more... The interior and exterior finishes include beautiful sandstone colored concrete. The property boasts 150 feet of gorgeous shoreline with the "best swim hole ever"—absolutely no weeds—offering fantastic swimming, fishing, and water sports. White Earth lake features million-dollar views of undeveloped shoreline but also hosts two resorts perfect for guests or a meal away from home. Outside, enjoy multiple spaces including a lakeside fire pit area. The flat front yard hosts a sand volleyball court, and the driveway also serves as a pickleball and basketball court. For nature lovers, the property offers direct snowshoe access out the front door to the Nenookaasi (Hummingbird) trailhead, and daily sightings of incredible wildlife including eagles, deer and swans. The bunkhouse is not included and will be moved off property by seller but can be negotiated.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

3/10
Ogema Elementary SchoolGrades PK-37.8 mi
6/10
Waubun SecondaryGrades 7-129.6 mi
2/10
Waubun Elementary SchoolGrades 4-69.6 mi

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Age 8 Years or Less,Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished,Walk-Out Access

Bathroom

  • Level: Main

Bathroom

  • Level: Lower

Bedroom

  • Level: Main

Bedroom2

  • Level: Lower

Bedroom3

  • Level: Lower

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,216
  • Finished area above ground: 1,788

Flex Room

  • Level: Upper

Foyer

  • Level: Main

Game Room

  • Level: Lower

Heating & Cooling

  • Heating features: Forced Air,In-Floor Heating
  • Cooling features: Central Air,Ductless Mini-Split

Interior Area

  • Total structure area: 3,004
  • Total interior livable area: 3,004 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Loft

  • Level: Upper

Mud Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 200666000
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Owned
  • Foundation area: 1216

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Bottom(Hard,Excellent Sand)
  • Frontage length: Water Frontage: 150

Lot

  • Lot size: 1.08 Acres
  • Features: Accessible Shoreline,Tree Coverage - Medium
  • Lot size dimensions: 151 x 300 x 150 x 308

Parking

  • Total spaces: 2
  • Parking features: Attached,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought
Landslide
Wildfire

FEMA Declared Disasters in Becker 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 $4,930$59,160
Home Insurance *$519$6,228
Property Taxes $513$6,156
Electricity $253$3,040
Total$6,215$74,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$213,085/yr
40% on housing$186,450/yr
45% on housing$165,733/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 56569$211
Becker County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 56569
Becker County$169

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
2026-05-11Listed for sale$1,075,000
2025-12-11Listing removed$1,100,000
2025-09-30Listed for sale$1,100,000
2018-12-11Sold$127,500

For Sale by Agent

AgentZachary A Erickson
BrokerageHomeSmart Adventure Realty

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