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417 Elk St, Duluth, MN, 55803

5beds
3baths
3,535sqft
$669,000
$189price/sqft
$3,885/moest. monthly cost
$155,400/yrincome needed

About This Home

New construction on 2 private acres in desirable rural East Duluth, offering over 3500 sq ft of modern design and high-end finishes. The home features 5 soundproofed bedrooms, including a main-floor guest room and an impressive upper-level master suite with two walk-in closets. The spa-like master bath boasts a linen closet, water closet, double vanity, soaker/bubbler tub, and a walk-in tile shower with color-changing lights, music, wall jets, and rain-head shower. Two additional bedrooms share a full bath, while a fourth connects to a versatile office/studio with an exterior door to a future balcony. The living room is flooded with natural light through the surrounding windows. All baths feature rain-head showers and heated/lit mirrors. The upper level offers a laundry room with a ventless washer/dryer and a laundry drop from both baths. Nearly all lighting is dimmable, temp-adjustable LED. Ethernet wiring is in place for the living room, master, office, and an adjacent bedroom. The gourmet kitchen is the heart of the home, with black stone counters, black cabinetry, slide-out storage, dimmable under-cabinet lighting, massive island with pop-up outlets and cabinetry below, with kitchen seating as well, double wall oven, flexible fridge, Full wall of pantry cabinetry and walk-in pantry, it has it all. Outdoors; a large patio, hot tub setup, roughed-in electrical for an existing 12x12 outbuilding, and space ready for your landscaping vision. Built slab-on-grade, the main floor features An attached 26x26 heated/insulated garage leads to a flex mudroom space, connecting to another 15x60 heated garage with a 12-ft door, RV hookup, and side access. Load bearing walls are laid out in such a way that future alteration or customization of the floor-plan is accessible. With customization from top to bottom, EVERYONE will find something to adore in this one of a kind home.

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
8
BikeSomewhat Bikeable

Schools

9/10
7/10
10/10
East Senior High SchoolGrades 9-122.8 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2024

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Other,Frame/Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Water Filtration System,Water Heater-Electric,Water Heater-Tankless,Cooktop,Dishwasher,Dryer,Exhaust Fan,Freezer,Microwave,Refrigerator,Wall Oven,Washer
  • Laundry features: Second Floor Laundry,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: N/A

Bedroom

  • Level: Upper
  • Area: 143
  • Dimensions: 13 x 11

Bedroom

  • Level: Upper
  • Area: 143
  • Dimensions: 13 x 11

Bedroom

  • Level: Upper
  • Area: 130
  • Dimensions: 13 x 10

Bedroom

  • Level: Main
  • Area: 165
  • Dimensions: 15 x 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Eat In Kitchen,Ethernet Wired,Kitchen Island,Walk-In Closet(s),Foyer-Entrance
  • Door features: Patio Door
  • Window features: Energy Windows,Vinyl Windows
  • Flooring: Tiled Floors
  • Finished area below ground: 0
  • Finished area above ground: 3,535

Heating & Cooling

  • Heating features: Forced Air,Wall Unit(s),Hot Water,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,535 sqft

Kitchen

  • Level: Main
  • Area: 660
  • Dimensions: 33 x 20

Laundry

  • Level: Upper
  • Area: 63
  • Dimensions: 7 x 9

Living Room

  • Level: Main
  • Area: 224
  • Dimensions: 16 x 14

Master Bedroom

  • Level: Upper
  • Area: 224
  • Dimensions: 14 x 16

Mud Room

  • Level: Main
  • Area: 180
  • Dimensions: 18 x 10

Office

  • Level: Main
  • Area: 90
  • Dimensions: 9 x 10

Office

  • Level: Upper
  • Area: 63
  • Dimensions: 9 x 7

Pantry

  • Level: Main
  • Area: 40
  • Dimensions: 5 x 8

Property

Accessibility

  • Accessibility features: No Stairs Internal

Details

  • Parcel number: 010201000555
  • Other equipment: Air to Air Exchange,Dehumidifier
  • Foundation area: 3420

Features

  • Levels: Multi-Level
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Typical

Lot

  • Lot size: 1.97 Acres
  • Features: Irregular Lot,Tree Coverage - Medium,High
  • Lot size dimensions: 360 x 595 Irreg

Parking

  • Total spaces: 4
  • Parking features: Off Street,RV Parking,Concrete,Attached,Multiple,Drains,Electrical Service,Heat,Insulation,Slab,Utility Room
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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

  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Strong Wind

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
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 $3,382$40,584
Home Insurance *$182$2,184
Property Taxes $23$276
Electricity $298$3,577
Total$3,885$46,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,200/yr
40% on housing$116,550/yr
45% on housing$103,600/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 55803$216
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55803
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-09Price change$715,000
2026-01-15Listed for sale$724,000
2025-12-30Listing removed$750,000
2025-11-30Price change$750,000
2025-11-06Price change$769,000
2025-10-03Price change$799,000
2025-09-17Listed for sale$825,000
2023-03-14Sold$79,500

For Sale by Agent

AgentDoug Kman
BrokerageColdwell Banker Realty - Duluth

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