




20568 Elkview Ct, Richmond, MN, 56368
About This Home
Beautifully updated lakefront home offering privacy, comfort, and exceptional shoreline. Set on a quiet, low-traffic road, this property features 150 feet of lakeshore with a rare gentle slope to the water and a protected bay ideal for enjoying calm conditions at the dock while still capturing views of the main lake from the deck. The home has seen extensive updates, including a fully remodeled basement (2024) with luxury vinyl flooring, a stunning electric fireplace, custom built-in cabinetry, solid oak doors with high-end hardware, and new custom window treatments. This level offers a spacious family room and a large bedroom, with flexibility for additional sleeping space. Spray foam insulation ensures year-round comfort and added heat runs provide future expansion potential. A water treatment system delivers outstanding water quality throughout. Upstairs, you’ll find warm red oak hardwood floors, newer carpet in the bedrooms, and a beautiful wood tongue-and-groove ceiling that adds character to the living spaces. The kitchen is open and inviting, and the bathroom features elegant travertine tile. A new picture window (2025) fills the home with natural light, while sliding patio doors on both levels lead to the deck or patio, perfect for relaxing or entertaining. Outdoors, the property is surrounded by over 30 trees including apple, oak, cedar, and ginkgo creating a peaceful, private setting. The pole barn has electric run to it, and 220 power, while the shed offers a rare grandfathered location near both the road and lake, perfect for storing your boats and toys! With thoughtful upgrades, scenic surroundings, and unbeatable lake access, this move-in-ready home is a rare opportunity to enjoy lakeside living at its finest.
Getting Around
Schools
Construction
Condition
- Year built: 1968
Materials
- Roof: Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dryer,Water Filtration System,Range,Refrigerator,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Daylight,Finished,Walk-Out Access
Bedroom
- Level: Lower
- Area: 209
- Dimensions: 19x11
Bedroom2
- Level: Main
- Area: 110
- Dimensions: 11x10
Bedroom3
- Level: Main
- Area: 88
- Dimensions: 11x8
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
- Area: 54
- Dimensions: 9x6
Family Room
- Level: Lower
- Area: 176
- Dimensions: 16x11
Features
- Number of fireplaces: 1
- Fireplace features: Electric
- Fireplace: Yes
- Finished area below ground: 462
- Finished area above ground: 768
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,536
- Total interior livable area: 1,536 sqft
Kitchen
- Level: Main
- Area: 121
- Dimensions: 11x11
Living Room
- Level: Main
- Area: 154
- Dimensions: 14x11
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 23140620000
- Zoning description: Shoreline,Residential-Single Family
- Foundation area: 768
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Patio
- Has view: Yes
- View description: Bay
- Has water view: Yes
- Water view: Bay
- On waterfront: Yes
- Waterfront features: Lake Front,River Front
- Frontage length: Water Frontage: 150
Lot
- Lot size: 0.37 Acres
- Features: Accessible Shoreline,Tree Coverage - Medium
- Lot size dimensions: tbd
Parking
- Total spaces: 4
- Parking features: Detached Garage
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
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
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Stearns 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 | $2,275 | $27,300 |
| Home Insurance * | $333 | $3,996 |
| Property Taxes | $284 | $3,408 |
| Electricity | $170 | $2,050 |
| Total | $3,062 | $36,744 |
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 |
|---|---|---|
| 2026-04-10 | Listed for sale | $469,900 |
| 2025-11-12 | Listing removed | $469,900 |
| 2025-10-01 | Listed for sale | $469,900 |
| 2013-12-06 | Sold | $159,900 |
| 2013-09-26 | Listed for sale | $159,900 |
