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219 W Vermilion Dr, Cook, MN, 55723

3beds
4baths
2,145sqft
$220,000
$103price/sqft
$1,794/moest. monthly cost
$71,760/yrincome needed

About This Home

In town living with Little Fork River frontage on over a half-acre! Less than 10 minutes from Lake Vermilion. There is a large primary main floor bedroom with private bathroom, main floor also features two living areas and a new deck. Upstairs has 2 more bedrooms and full bath, downstairs has a sauna and bathroom as well. Partially finished large basement ready for your finishing touches. Roof is less than 4 years old. Country feel, with in town conveniences. Schedule your showing today.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

4/10
7/10
North Woods SecondaryGrades 7-124.5 mi

Construction

Condition

  • Year built: 1914

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Bedroom1

  • Level: Main
  • Area: 306

Bedroom2

  • Level: Upper
  • Area: 144

Bedroom3

  • Level: Upper
  • Area: 143

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4

Dining Room

  • Area: 140

Features

  • Finished area below ground: 1,348

Interior Area

  • Total structure area: 3,156
  • Total interior livable area: 2,145 sqft

Kitchen

  • Area: 204

Living Room

  • Area: 240

Property

Details

  • Parcel number: 120003001385,01380

Features

  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Little Fork

Lot

  • Lot size: 0.65 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 158 x 183

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
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Lightning
Heat Wave

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
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 $1,112$13,344
Home Insurance *$186$2,232
Property Taxes $316$3,792
Electricity $180$2,170
Total$1,794$21,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,508/yr
40% on housing$53,820/yr
45% on housing$47,840/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 55723$274
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55723
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-05Price change$237,000
2026-04-20Listed for sale$249,000
2013-07-29Sold$90,000

For Sale by Agent

AgentMarcus Judd
BrokerageNorthbound Realty LLC

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