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13424 E Lake Miltona Dr NE #5 & 6, Miltona, MN, 56354

4beds
2baths
1,560sqft
$395,000
$253price/sqft
$2,740/moest. monthly cost
$109,600/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!! Side by side duplex being sold together as one unit on premier Lake Miltona. You're going to love the west-facing 40-foot deck for kicking back and enjoying your lake property instead of working tirelessly each time you visit. Each side features two bedrooms, full bath, kitchen, and living area. Open the door between the two units to spread out in the entire 1,560 square feet or lock it off for separation when privacy is needed. The choice is yours! While this unit sits back a little from the lake you will definitely enjoy that fabulous Lake Miltona view! Only a few steps from your fully furnished cabin to the sandy beach or your included dock and boat lift. This cabin would be ideal for a large family or two separate families looking for an affordable option on one of this area's absolutely finest lakes. Make an appointment to see it soon because summer is just getting started and only two of these Rusty Moose Resort HOA cabins are left!

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: 1945

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: None

Bathroom

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

Bedroom

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

Bedroom2

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,560

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,560
  • Total interior livable area: 1,560 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Living Room

  • Level: Main
  • Area: 270
  • Dimensions: 18x15

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 420858050
  • Zoning description: Shoreline,Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 1560

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • 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: 3,049 sqft
  • Lot size dimensions: 64 x 46 x 64 x 46

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 $1,997$23,964
Home Insurance *$297$3,564
Property Taxes $276$3,312
Electricity $170$2,050
Total$2,740$32,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,942/yr
40% on housing$82,200/yr
45% on housing$73,066/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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 56354$271
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$500,000

For Sale by Agent

AgentWendie VanKirk
BrokerageEdina Realty, Inc.

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