12589 13th St NW, Spicer, MN, 56288
About This Home
Welcome to the Sandy Shoreline of Lake Florida! This adorable Lake Home sits on 60ft of Prime Level Beach and has room for the whole family to make memories at the Lake this Summer! Enjoy Lake views from the Kitchen / Dining area or the Lakeside Family Room - each with Patio doors that head out to the water! The main level of the home also has an extra Living Room that offers extra space for guests - and a 1/2 bath and Laundry. Upstairs you'll find 3 bedrooms including the Lakeside Primary Bedroom with a private balcony overlooking the water - and a 3/4 bath. Store your lake toys in the attached 2 stall garage and outdoor storage room - and simply relax and unwind at the lake! As a bonus, you get to enjoy Sunsets across the road! Call today for more info!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1971
Materials
- Roof: Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dryer,Electric Water Heater,Exhaust Fan,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Crawl Space
Bathroom
- Level: Upper
- Area: 35
- Dimensions: 5x7
Bedroom
- Level: Upper
- Area: 156
- Dimensions: 12x13
Bedroom2
- Level: Upper
- Area: 120
- Dimensions: 10x12
Bedroom3
- Level: Upper
- Area: 90
- Dimensions: 9x10
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 84
- Dimensions: 7x12
Family Room
- Level: Main
- Area: 245
- Dimensions: 14x17.5
Features
- Finished area below ground: 0
- Finished area above ground: 1,488
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,488
- Total interior livable area: 1,488 sqft
Laundry
- Level: Main
- Area: 35
- Dimensions: 5x7
Living Room
- Level: Main
- Area: 240
- Dimensions: 12x20
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 237900060
- Zoning description: Residential-Single Family
- Other equipment: Fuel Tank - Rented
- Foundation area: 912
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- On waterfront: Yes
- Waterfront features: Lake Front,Lake Bottom(Sand)
- Frontage length: Water Frontage: 60
Lot
- Lot size: 5,227 sqft
- Features: Accessible Shoreline
- Lot size dimensions: 60 x 84
Parking
- Total spaces: 2
- Parking features: 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
- Cold Wave
- Hail
- Strong Wind
- Winter Weather
- Drought
- Inland Flooding
- Ice Storm
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Kandiyohi County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,513 | $30,156 |
| Home Insurance * | $241 | $2,892 |
| Property Taxes | $376 | $4,512 |
| Electricity | $170 | $2,050 |
| Total | $3,300 | $39,600 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-22 | Listed for sale | $597,000 |
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