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121 Kayak Vw, Duluth, MN, 55808

4beds
4baths
2,723sqft
$759,900
$279price/sqft
$4,863/moest. monthly cost
$194,520/yrincome needed

About This Home

Wake up every day where Duluth adventure begins. Located on the new River West development, you have instant access to Spirit Mountain, world class trails, and the scenice St. Louis River for year round fun! This 4 bedroom, 4 bath townhome delivers the ultimate Northland lifestyle. The open-concept floor plan is designed for modern living, with custom cabinetry, quartz countertops, walk-in pantry, and a gas range with hood—and a fireplace- perfect for cozy nights in after a day outside. Enjoy wooded views from your back deck and stunning views of Spirit Mountain from the front, all with low-maintenance flooring throughout. The smart layout includes a mudroom entry, sauna, primary suite, secondary en suite, and two additional bedrooms with generous storage, plus an attached garage that makes winter loading and unloading a breeze. You’ll love the flexibility here: owner-occupy and make this your personal basecamp, or place it in the rental pool to generate income when you’re not using it. Live Beautifully.

Getting Around

4
WalkingCar-Dependent
24
TransitMinimal Transit
38
BikeSomewhat Bikeable

Schools

4/10
Stowe Elementary SchoolGrades PK-53.6 mi
3/10
5/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2024

Materials

  • Construction materials: Composition,Other - See Remarks

Type & Style

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

Interior

Appliances

  • Laundry features: Second Floor Laundry,Dryer Hook-Ups,Washer Hookup

Basement

  • Basement: N/A

Bedroom

  • Level: Upper
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

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

Bedroom

  • Level: Upper
  • Area: 144
  • Dimensions: 12 x 12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 117.66
  • Dimensions: 10.6 x 11.1

Entry Hall

  • Level: Lower
  • Area: 136.8
  • Dimensions: 7.6 x 18

Features

  • Eat In Kitchen,Kitchen Island,Vaulted Ceilings,Walk-In Closet(s),Foyer-Entrance
  • Door features: Patio Door
  • Flooring: Tiled Floors
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,723

Great Room

  • Level: Main
  • Area: 342
  • Dimensions: 18 x 19

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,723 sqft

Kitchen

  • Level: Main
  • Area: 190
  • Dimensions: 10 x 19

Laundry

  • Level: Upper
  • Area: 32
  • Dimensions: 4 x 8

Master Bedroom

  • Level: Upper
  • Area: 352.08
  • Dimensions: 16.3 x 21.6

Sauna

  • Level: Lower
  • Area: 66.3
  • Dimensions: 7.8 x 8.5

Property

Details

  • Parcel number: 010397600090
  • Other equipment: Air to Air Exchange
  • Foundation area: 1040

Features

  • Patio & porch: Deck
  • Exterior features: Balcony,Inground Spinkler System

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: appro x 75 x 95

Parking

  • Total spaces: 2
  • Parking features: Concrete,Attached
  • 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

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

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 $3,842$46,104
Home Insurance *$147$1,764
Property Taxes $645$7,740
Electricity $229$2,755
Total$4,863$58,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,731/yr
40% on housing$145,890/yr
45% on housing$129,680/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

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 55808$133
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55808
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-14Listed for sale$759,900
2026-01-31Listing removed$798,000
2025-09-18Listed for sale$798,000
2025-09-17Listing removed$798,000
2025-08-29Price change$798,000
2025-05-07Price change$839,900
2025-04-16Listed for sale$890,000

For Sale by Agent

AgentTracy Ramsay
BrokerageRE/MAX Results

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