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8066-165 Lost Lake Rd, Lake Shore, MN, 56468

5beds
5baths
3,250sqft
$698,000
$215price/sqft
$4,358/moest. monthly cost
$174,320/yrincome needed

About This Home

5BR/5BA, 3,250 sq ft townhome built 2021. Located in The Causeway on Gull Resort. Fully furnished and equipped with all furnishings, appliances, kitchenware, linens, and supplies. Rent-ready with existing reservations included. Dedicated dock slip. Private deck and patio with firepit, natural gas grill, and patio set. 2-car garage. Full access to resort amenities: indoor/outdoor pools, sauna, hot tub, nature trails, tennis courts, volleyball, basketball, fitness center, game room, marina with slips and ramp, Walk to Zorbaz or Bar Harbor, and right across the Street from the Public Boat Launch. Zoned for short-term rentals without restrictions. Buyer options: self-manage, full-time occupancy, or retain existing management and cleaning team.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

9/10
Nisswa Elementary SchoolGrades PK-42.7 mi
7/10
Forestview Middle SchoolGrades 5-812.9 mi
9/10
Brainerd Senior High SchoolGrades 9-1212.8 mi

Construction

Condition

  • Year built: 2021

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Closet,In Unit,Upper Level,Coin-op Laundry Owned

Basement

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

Bedroom

  • Level: Upper
  • Area: 370.5
  • Dimensions: 19.5x19

Bedroom2

  • Level: Upper
  • Area: 282
  • Dimensions: 18.8x15

Bedroom3

  • Level: Upper
  • Area: 130
  • Dimensions: 13x10

Bedroom4

  • Level: Upper
  • Area: 165
  • Dimensions: 15x11

Bedroom5

  • Level: Lower
  • Area: 125
  • Dimensions: 12.5x10

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 1
  • 3/4 bathrooms: 4

Dining Room

  • Level: Main
  • Area: 200.2
  • Dimensions: 13x15.4

Family Room

  • Level: Lower
  • Area: 364
  • Dimensions: 26x14

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room,Stone
  • Fireplace: Yes
  • Finished area below ground: 950
  • Finished area above ground: 2,300

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,250
  • Total interior livable area: 3,250 sqft

Kitchen

  • Level: Main
  • Area: 340
  • Dimensions: 20x17

Living Room

  • Level: Main
  • Area: 246.4
  • Dimensions: 16x15.4

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 904190165
  • Attached to another structure: Yes
  • Zoning description: Business/Commercial,Other
  • Foundation area: 950

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Heated,Indoor,Outdoor Pool,Shared
  • Patio & porch: Composite Decking,Deck,Patio
  • Has view: Yes
  • View description: Harbor,Panoramic,South,West
  • Has water view: Yes
  • Water view: Harbor
  • Waterfront features: Association Access,Channel Shore,Deeded Access,Dock,Shared,Waterfront Elevation(10-15),Lake Bottom(Gravel,Undeveloped)

Lot

  • Lot size: 3,049 sqft
  • Lot size dimensions: 25 x 128

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Shared Driveway,Insulated Garage
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters in Cass 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 $3,529$42,348
Home Insurance *$230$2,760
Property Taxes $325$3,900
Electricity $274$3,289
Total$4,358$52,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,417/yr
40% on housing$130,740/yr
45% on housing$116,213/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 56468$380
Cass County$206

vs Homes Sold Last Month

Median $/sqft

ZIP 56468$292
Cass County$210

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
2026-07-12Listed for sale$698,000
2022-02-03Sold$625,000
2021-08-11Pending sale$625,000
2021-06-24Price change$625,000
2021-04-29Listed for sale$599,900

For Sale by Agent

AgentPeter Smothers
BrokerageRed Key Realty

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