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13424 E Lake Miltona Dr NE #1, Miltona, MN, 56354

4beds
3baths
2,790sqft
$495,000
$177price/sqft
$3,455/moest. monthly cost
$138,200/yrincome needed

About This Home

Rusty Moose Resort has gone HOA and most of the cabins have been sold already. Here is your chance to grab one of the last two!! This seasonal cabin embodies the quintessential lake cottage experience of nearly 100 years ago. From the gorgeous stone fireplace in the living room to the original hardwood floors, this lake front oasis is truly loaded with character! Four bedrooms (including a primary suite with on suite bathroom), three baths, an eat-in kitchen, formal dining room, and two outdoor decks to take in the gentle breezes and incredible sunsets over lake Miltona. Be a part of Rusty Moose Resort and enjoy a water front way of life that's just a little easier, and a little more relaxing. Spend your time your way, not working! All furnished and ready to go including dock and convertible boat lift. Make an appointment to see this vintage home reminiscent of a simpler time soon!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

10/10
6/10
8/10
Alexandria Area High SchoolGrades 9-1212.8 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Architectural Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom

  • Level: Main
  • Area: 24
  • Dimensions: 4x6

Bathroom

  • Level: Main
  • Area: 60
  • Dimensions: 10x6

Bathroom

  • Level: Main
  • Area: 30
  • Dimensions: 3x10

Bedroom

  • Level: Main
  • Area: 187
  • Dimensions: 17x11

Bedroom2

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Bedroom3

  • Level: Main
  • Area: 110
  • Dimensions: 10x11

Bedroom4

  • Level: Main
  • Area: 104
  • Dimensions: 13x8

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 264
  • Dimensions: 22x12

Features

  • Number of fireplaces: 1
  • Fireplace features: Stone,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,838

Heating & Cooling

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

Interior Area

  • Total structure area: 2,790
  • Total interior livable area: 2,790 sqft

Kitchen

  • Level: Main
  • Area: 288
  • Dimensions: 24x12

Living Room

  • Level: Main
  • Area: 330
  • Dimensions: 22x15

Mud Room

  • Level: Main
  • Area: 36
  • Dimensions: 6x6

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 420858010
  • Zoning description: Shoreline,Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 1838

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Lake,Panoramic,West
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Dock,Lake Front,Shared,Lake Bottom(Sand)
  • Frontage length: Water Frontage: 372

Lot

  • Lot size: 5,227 sqft
  • Lot size dimensions: 69 x 76 x 69 x 76

Parking

  • Parking features: Open
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding
Lightning

FEMA Declared Disasters in Douglas 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 $2,502$30,024
Home Insurance *$372$4,464
Property Taxes $346$4,152
Electricity $235$2,823
Total$3,455$41,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,457/yr
40% on housing$103,650/yr
45% on housing$92,133/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: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 56354$275
Douglas County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 56354$222
Douglas County$149

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

DateEventPrice
2026-05-06Listed for sale$600,000

For Sale by Agent

AgentWendie VanKirk
BrokerageEdina Realty, Inc.

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