2405 Chad Ct, Harris, MN, 55032
About This Home
Exceptional lakeshore property less than an hour from the Twin Cities! Designed for both comfort and entertaining, this home offers convenient one-level living with a spacious walkout lower level that’s perfect for hosting family and friends. Enjoy stunning lake views, abundant wildlife, and excellent fishing. With 140 feet of shoreline, your own sandy beach, and a lakeside pavilion with storage, this property is made for making memories—whether it’s boating, bonfires, or relaxing summer evenings by the water. You’ll love the open-concept kitchen, living, and dining areas filled with natural light and designed for gathering. A separate formal dining room offers flexibility and could easily serve as a main-floor office. The incredible sunroom is sure to become your favorite space in the home, offering peaceful views and the perfect spot to unwind year-round. The ideal blend of privacy, recreation, and relaxed lakeshore living—perfect as a full-time residence or weekend retreat.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Central Vacuum,Cooktop,Dishwasher,Microwave,Range,Refrigerator,Wall Oven
- Laundry features: Laundry Room,Main Level
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bedroom
- Level: Main
- Area: 360
- Dimensions: 15x24
Bedroom2
- Level: Lower
- Area: 182
- Dimensions: 13x14
Bedroom3
- Level: Lower
- Area: 180
- Dimensions: 15x12
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 150
- Dimensions: 15x10
Family Room
- Level: Lower
- Area: 720
- Dimensions: 30x24
Features
- Central Vacuum
- Number of fireplaces: 2
- Fireplace features: Family Room,Gas,Living Room
- Fireplace: Yes
- Finished area below ground: 1,768
- Finished area above ground: 1,768
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,636
- Total interior livable area: 3,536 sqft
Kitchen
- Level: Main
- Area: 182
- Dimensions: 14x13
Living Room
- Level: Main
- Area: 400
- Dimensions: 20x20
Sauna
- Level: Lower
- Area: 196
- Dimensions: 14x14
Sun Room
- Level: Main
- Area: 196
- Dimensions: 14x14
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 030131137
- Zoning description: Shoreline,Residential-Single Family
- Foundation area: 1768
Features
- Levels: One
- Stories: 1
- Patio & porch: Composite Decking,Covered,Patio
- On waterfront: Yes
- Waterfront features: Lake Front
- Frontage length: Water Frontage: 140
Lot
- Lot size: 1.23 Acres
- Features: Accessible Shoreline
- Lot size dimensions: 125 x 419 x 140 x 419
Parking
- Total spaces: 3
- Parking features: Attached,Garage Door Opener,Heated Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Wildfire
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Chisago 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 | $3,286 | $39,432 |
| Home Insurance * | $418 | $5,016 |
| Property Taxes | $595 | $7,140 |
| Electricity | $298 | $3,578 |
| Total | $4,597 | $55,164 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-13 | Pending sale | $650,000 |
| 2026-05-29 | Listed for sale | $650,000 |
| 2015-06-19 | Sold | $353,000 |
| 2015-04-08 | Listed for sale | $360,899 |
| 2015-01-01 | Sold | $353,000 |
| 2014-09-12 | Price change | $365,900 |
| 2014-08-27 | Price change | $375,900 |
| 2014-07-08 | Price change | $385,900 |
| 2014-04-18 | Listed for sale | $389,900 |
| 2013-09-10 | Listing removed | $435,900 |
| 2013-05-30 | Price change | $435,900 |
| 2013-03-29 | Price change | $465,000 |
| 2013-02-01 | Price change | $525,000 |
| 2013-01-12 | Listed for sale | $575,000 |
| 1996-05-01 | Sold | $36,000 |
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