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521 Moose Mountain Dr #A, Lutsen, MN, 55612

2beds
2baths
1,100sqft
$75,000
$68price/sqft
$632/moest. monthly cost
$25,280/yrincome needed

About This Home

Don’t miss this chance to own a slice of the North Shore lifestyle! This is the only fractional unit available at Caribou Highlands – and it's a gem. Offered at just $95,000 per share, with two shares available, this is an affordable and flexible way to enjoy everything Lutsen has to offer. This well-appointed 2 bed, 2 bath unit sleeps up to 8 and is perfect for families or group getaways. The lower-level bedroom features a full bed plus bunk beds, making it ideal for kids or extra guests. Located slope-side for true ski-in/ski-out access, and just steps from the Superior National Golf Course, this unit is perfectly situated for year-round adventure. You're also just minutes from state parks, scenic hiking and biking trails, and all the beauty of the North Shore. As an added bonus, take advantage of the optional professionally managed rental program through Caribou Highlands to help offset ownership expenses. Whether you’re seeking a personal getaway, a family vacation home, or a stress free rental property, this Lutsen gem delivers it all. Act now – fractional opportunities like this are incredibly rare!

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

4/10
Cook County Middle SchoolGrades 6-819.0 mi
7/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1984

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Engineered Wood,Frame/Wood

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 400
  • Finished area above ground: 700

Heating

  • Heating features: Forced Air,Propane

Interior Area

  • Total interior livable area: 1,100 sqft

Master Bathroom

  • Features: Full Master

Property

Details

  • Parcel number: 271821050

Lot

  • 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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Cold Wave
Winter Weather
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Cook 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 $379$4,548
Home Insurance *$40$480
Property Taxes $43$516
Electricity $170$2,050
Total$632$7,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$21,668/yr
40% on housing$18,960/yr
45% on housing$16,853/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$68This listing

vs Other Active Listings

Avg $/sqft

ZIP 55612$178
Cook County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 55612
Cook County$229

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)

No zestimate history available

Price History

DateEventPrice
2026-02-10Price change$75,000
2025-08-04Listed for sale$85,000
2025-07-20Pending sale$85,000
2025-06-16Price change$85,000
2025-04-22Listed for sale$95,000

For Sale by Agent

AgentAlex Chapek
BrokerageOdyssey Real Estate Group

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