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12846 Wichingen Rd, Hibbing, MN, 55746

2beds
2baths
2,160sqft
$339,900
$157price/sqft
$2,353/moest. monthly cost
$94,120/yrincome needed

About This Home

Nestled on 7.11 beautifully wooded acres just outside of Hibbing, Minnesota. This log-sided home offers a private and peaceful Northwoods setting with 470 feet of frontage on Island Lake. Designed to embrace its surroundings, the home features warm tongue-and-groove vaulted ceilings, an open-concept layout filled with natural light from oversized windows that frame the lake and wooded landscape. A cozy wood stove and electric thermal storage heat by Steffes adding to the inviting, year-round comfort. Enjoy the outdoors from the lakeside deck or unwind in the charming three-season sunroom, perfect for taking in the peaceful setting and ever-changing seasonal views. The main level includes one bedroom and a full bath, while the loft offers additional sleeping or flexible space. The partially finished walkout lower level includes a three-quarter bath and room to expand. A gradual trail leads you to the shoreline, where you’ll find a natural, level approach to the water and beautiful views of a large pretty island just offshore. Island Lake is known for its quiet atmosphere, great fishing, and relaxed recreational use, making it ideal for those seeking a more private, nature-focused lake experience. Whether you're looking for a year-round home or a true Up North getaway, this property offers space, privacy, and the kind of setting that’s getting harder to find.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

--
8/10
Hibbing High SchoolGrades 7-1214.5 mi
6/10
Lincoln Elementary SchoolGrades 2-614.5 mi

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Architectural Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Full,Partially Finished,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 107.36
  • Dimensions: 8.8x12.2

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Free Standing
  • Fireplace: Yes
  • Finished area below ground: 288
  • Finished area above ground: 1,296

Flex Room

  • Level: Lower
  • Area: 477.4
  • Dimensions: 21.7x22

Heating & Cooling

  • Heating features: Dual Fuel/Off Peak,Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 2,160
  • Total interior livable area: 2,160 sqft

Kitchen

  • Level: Main
  • Area: 220
  • Dimensions: 10x22

Living Room

  • Level: Main
  • Area: 270.6
  • Dimensions: 12.3x22

Loft

  • Level: Main
  • Area: 433.4
  • Dimensions: 19.7x22

Sun Room

  • Level: Main
  • Area: 253.7
  • Dimensions: 11.8x21.5

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 752011000120
  • Zoning description: Residential-Single Family
  • Foundation area: 864

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Screened,Wrap Around
  • Has view: Yes
  • View description: East,Lake,South
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Bottom(Sand)
  • Frontage length: Water Frontage: 470

Lot

  • Lot size: 7.11 Acres
  • Lot size dimensions: 7.11 acres

Parking

  • Parking features: Gravel

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 $1,718$20,616
Home Insurance *$149$1,788
Property Taxes $304$3,648
Electricity $182$2,186
Total$2,353$28,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,674/yr
40% on housing$70,590/yr
45% on housing$62,746/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

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 55746$94
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55746
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Listed for sale$376,900
2025-11-20Listing removed$399,000
2025-05-20Listed for sale$399,000
2025-05-20Listing removed$425,000
2024-11-19Listed for sale$425,000
2001-08-14Sold$85,000

For Sale by Agent

AgentUp North Team
BrokerageCOLDWELL BANKER NORTHWOODS

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