5325 Fernwood Trl, North Branch, MN, 55056
About This Home
Want to own you very own PRIVATE PENINSULA RETREAT with 770 FEET of SHORELINE??? NOW YOU CAN!!! PRIVACY, ACREAGE, MASSIVE 2-TIER DECK, OUTDOOR LIVING, MIL SUITE, SOLAR POWERED BEACH CABANA, & AN ABUNDANCE OF SPACE INSIDE AND OUT! Rare private lakefront retreat on 2.6 breathtaking acres! Offering nearly 4,000 finished sq. ft., this property features a private beach, a massive deck overlooking the acreage and lake, plus a stunning lower-level paver patio. The setting is peaceful, private, and beautifully landscaped with mature trees, flowers, and gorgeous yard space. Inside features 6 beds/4 FULL baths, hardwood flooring, custom woodwork with impressive craftsmanship, granite countertops, a large kitchen island with cooktop, and a private primary ensuite with jetted tub, separate shower, and dual-sink vanity. Key updates include windows throughout, on-demand water heater, furnace/AC, high-end kitchen appliances, and a recently added wide walking path down to the lake. Attached 3-car garage is insulated/heated with 13 ft. high ceilings. SELLER IS OFFERING BUYER CREDIT with an acceptable offer, which may be used toward buyer’s closing costs, interest-rate buydown, and/or carpet replacement/paint allowance.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Roof: Age Over 8 Years,Architectural Shingle,Pitched
- Construction materials: Block,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Chandelier,Cooktop,Dishwasher,Disposal,Dryer,ENERGY STAR Qualified Appliances,Humidifier,Gas Water Heater,Iron Filter,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Trash Compactor,Washer,Water Softener Owned
- Laundry features: Laundry Room,Main Level,Sink
Basement
- Has basement: Yes
- Basement: Daylight,Drainage System,Finished,Storage Space,Sump Pump,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 4
Features
- Number of fireplaces: 3
- Fireplace features: Double Sided,Gas
- Fireplace: Yes
- Finished area below ground: 1,343
- Finished area above ground: 2,559
Heating & Cooling
- Heating features: Forced Air,Fireplace(s),Humidifier
- Cooling features: Central Air
Interior Area
- Total structure area: 4,176
- Total interior livable area: 3,902 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 110097052
- Zoning description: Residential-Single Family
- Foundation area: 1580
Features
- Levels: Modified Two Story
- Stories: 2
- Pool features: None
- Patio & porch: Deck,Front Porch,Patio
- Fencing: None
- Has view: Yes
- View description: Lake,West
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Dock,Lake Front,Lake View
- Frontage length: Water Frontage: 770
Lot
- Lot size: 2.58 Acres
- Features: Accessible Shoreline,Cleared,Tree Coverage - Medium
- Lot size dimensions: x x x x
Parking
- Total spaces: 3
- Parking features: Attached,Asphalt,Electric,Heated Garage,Insulated Garage,Storage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Strong Wind
- Cold Wave
- Hail
- Lightning
- Tornado
- 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 | $3,033 | $36,396 |
| Home Insurance * | $382 | $4,584 |
| Property Taxes | $627 | $7,524 |
| Electricity | $329 | $3,949 |
| Total | $4,371 | $52,452 |
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 |
|---|---|---|
| 2026-06-18 | Price change | $600,000 |
| 2026-06-04 | Listed for sale | $630,000 |
| 2022-12-02 | Listing removed | -- |
| 2022-11-11 | Price change | $565,000 |
| 2022-10-12 | Listed for sale | $575,000 |
| 2022-10-04 | Listing removed | -- |
| 2022-10-03 | Listed for sale | $560,000 |
| 2022-10-03 | Pending sale | $560,000 |
| 2022-09-09 | Price change | $560,000 |
| 2022-08-22 | Listed for sale | $599,000 |
| 2022-08-22 | Listing removed | -- |
| 2022-08-08 | Listed for sale | $625,000 |
| 2017-08-31 | Sold | $389,900 |
| 2017-08-01 | Pending sale | $389,900 |
| 2017-07-20 | Listed for sale | $389,900 |
| 2016-11-23 | Listing removed | $389,900 |
| 2016-09-20 | Listed for sale | $389,900 |
| 2015-06-22 | Sold | $313,600 |
| 2015-04-27 | Price change | $324,900 |
| 2015-04-14 | Price change | $334,900 |
| 2015-04-09 | Price change | $349,000 |
| 2015-03-25 | Listed for sale | $369,000 |
| 2003-10-14 | Sold | $400,000 |
| 1997-10-15 | Sold | $266,700 |
| 1997-05-02 | Sold | $45,000 |
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