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

839 Loon Rd, Two Harbors, MN, 55616

0beds
0baths
320sqft
$172,500
$539price/sqft
$1,293/moest. monthly cost
$51,720/yrincome needed

About This Home

If you’ve been searching for the ultimate retreat, your search ends here. Nestled in a tranquil forest setting, this newer-built cabin perfectly combines modern comfort with the raw beauty of nature. Step inside and feel the warmth of ash wood floors, aspen interior walls, and expansive windows that frame the wilderness beyond. Stay cozy year-round with a wood stove and electric heat, and enjoy the convenience of a thoughtfully furnished interior complete with an indoor compost toilet. Sitting on 5+ acres of pristine land, you’ll be surrounded by rolling hills and towering old-growth cedars, creating an unparalleled sense of peace and privacy. Whether you’re a hunter seeking the perfect basecamp or a nature enthusiast eager to immerse yourself in the great outdoors, this property offers the ideal backdrop for adventure and relaxation alike.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

6/10
Minnehaha Elementary SchoolGrades PK-514.9 mi
7/10
Two Harbors SecondaryGrades 6-1213.2 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2020

Materials

  • Construction materials: Wood,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Rustic
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Main level bedrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 320

Heating

  • Heating features: Wood,Electric

Interior Area

  • Total interior livable area: 320 sqft

Property

Details

  • Parcel number: 25551122160
  • Foundation area: 320

Lot

  • Lot size: 5.18 Acres
  • Lot size dimensions: IRG

Parking

  • Parking features: None

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
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather
Hail
Inland Flooding
Tsunami

FEMA Declared Disasters in Lake 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 $872$10,464
Home Insurance *$164$1,968
Property Taxes $87$1,044
Electricity $170$2,050
Total$1,293$15,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,331/yr
40% on housing$38,790/yr
45% on housing$34,480/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: 16.9%
16.9%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$539This listing

vs Other Active Listings

Avg $/sqft

ZIP 55616$173
Lake County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 55616
Lake County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-17Listed for sale$172,500
2025-11-19Listing removed$172,500
2025-10-03Price change$172,500
2025-06-06Listed for sale$175,000
2024-09-10Sold$165,000
2024-08-04Pending sale$174,900
2024-07-24Listed for sale$174,900

For Sale by Agent

AgentAlex Chapek
BrokerageOdyssey Real Estate Group

Similar Homes