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18155 Anderson Trl SE, Erskine, MN, 56535

4beds
2baths
1,594sqft
$725,000
$455price/sqft
$4,420/moest. monthly cost
$176,800/yrincome needed

About This Home

Experience the perfect blend of luxury, comfort, and breathtaking waterfront living all year round in this updated lake home. Situated on nearly 1.5 acres, this exceptional property offers privacy, mature trees, stunning landscaping, and a sandy beach connected with a new boardwalk and beautiful cement walk way from the home to the waters edge. The home sale includes the dock. Inside you will find a thoughtfully redesigned 3 bedroom, 2 bath home featuring an all new kitchen with custom hickory cabinetry, granite top on center island and quartz on surrounding counters, handscraped wood flooring, and quality finishes throughout. A cosy fireplace creates the perfect gathering space while expansive windows showcase spectacular lake views. The owner is currently completing an impressive addition that includes a spacious great room and an additional 2 stall garage with epoxy floors, providing even more room for entertaining and storage. Step outside and enjoy unforgettable sunsets from the lakeside patio, gather around the outdoor fireplace, watch the fish swim or simply relax and take in the peaceful surroundings. From extensive updates to the incredible outdoor living spaces, this one of a kind property offers the lake lifestyle you've been dreaming of .

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Slab
  • Construction materials: Hardboard

Other

  • Builder name: MAK

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential,Single Family Residence

Interior

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main

Entry

  • Level: Main

Features

  • Window features: Window Treatments
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area above ground: 1,594

Garage

  • Level: Main

Garage

  • Level: Main

Great Room

  • Level: Main

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 1,594
  • Total interior livable area: 1,594 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 740123800

Features

  • Patio & porch: Patio

Lot

  • Lot size: 1.47 Acres
  • Lot size dimensions: irreg

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Polk 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 $3,665$43,980
Home Insurance *$182$2,184
Property Taxes $403$4,836
Electricity $170$2,050
Total$4,420$53,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,542/yr
40% on housing$132,600/yr
45% on housing$117,866/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$455This listing

vs Other Active Listings

Avg $/sqft

ZIP 56535$165
Polk County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 56535
Polk County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-07Price change$725,000
2026-06-23Listed for sale$749,900
2025-06-18Listing removed$649,900
2025-05-16Listed for sale$649,900
2025-05-06Listing removed$650,000
2025-04-28Price change$650,000
2025-04-06Price change$667,900
2025-03-05Listed for sale$674,900
2025-03-05Listing removed--
2025-02-21Price change$675,000
2024-10-12Listed for sale$699,000
2022-10-19Sold$0
2022-09-07Contingent$445,000
2022-09-07Listed for sale$445,000
2022-08-31Listing removed--
2022-08-24Price change$445,000
2022-05-25Price change$494,900
2022-04-28Listed for sale$489,000

For Sale by Agent

AgentJulie Kadlec Vorachek
BrokerageOxford Realty

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