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17425 Northwood Dr, Paynesville, MN, 56362

8beds
5baths
6,017sqft
$699,900
$116price/sqft
$5,167/moest. monthly cost
$206,680/yrincome needed

About This Home

Nestled on a quiet cul-de-sac, this private 2 acre retreat offers space, comfort, and so much more! The property features a 7-bedroom main home plus a thoughtfully designed 1-bedroom apartment with private entry—perfect for guests, family or multi-generational living. Built in 1995 and expanded in 2010, the home offers over 6,000 finished square feet, including 780 square feet in the north apartment. The apartment includes in-floor heat, a full kitchen, bathroom, and open-concept great room, with both private and interior access to the main home. Designed for gathering and everyday living alike, the main home features a spacious kitchen with dining area that opens through French doors into a indoor pool room. Enjoy a 16x32 hotel-sized pool, hot tub and year-round recreation right at home. The main level includes a primary bedroom with walk-in closet, full bath, and convenient laundry room. New picture windows in the living room frame peaceful views of the surrounding wooded landscape. Upstairs, you’ll find four bedrooms and a full bath, while the lower level offers a large recreation/family room, two additional bedrooms, and another bathroom. Additional features include a 3-stall attached garage, 2-stall detached garage(25x29), garden, storage shed, and a welcoming front patio ideal for outdoor gatherings. Surrounded by mature trees and natural beauty, the property offers frequent wildlife sightings and a spacious setting while accommodating large gatherings with ease. This is a truly unique home designed for both comfort and connection. Recent upgrades totaling over $130,000 (since fall 2023) provide peace of mind and modern efficiency, including: New Andersen Fibrex windows throughout most of the home, new boiler serving both the home and pool, new pool liner and liner channel, new mini-split heat pump for the apartment, new roof on the detached two-car garage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 1995

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,Dryer,Humidifier,Gas Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Egress Window(s),Finished,Full,Storage Space

Bathroom

  • Level: Lower
  • Area: 64
  • Dimensions: 8x8

Bathroom

  • Level: Main
  • Area: 108
  • Dimensions: 12x9

Bathroom

  • Level: Main
  • Area: 32
  • Dimensions: 4x8

Bathroom

  • Level: Upper
  • Area: 91
  • Dimensions: 13x7

Bedroom

  • Level: Lower
  • Area: 108
  • Dimensions: 12x9

Bedroom2

  • Level: Lower
  • Area: 143
  • Dimensions: 11x13

Bedroom3

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Bedroom4

  • Level: Upper
  • Area: 198
  • Dimensions: 18x11

Bedroom5

  • Level: Upper
  • Area: 198
  • Dimensions: 18x11

Bedroom6

  • Level: Upper
  • Area: 216
  • Dimensions: 18x12

Bedroom6

  • Level: Upper
  • Area: 176
  • Dimensions: 16x11

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 5
  • Full bathrooms: 1
  • 3/4 bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 165
  • Dimensions: 11x15

Features

  • Finished area below ground: 1,573
  • Finished area above ground: 4,444

Heating & Cooling

  • Heating features: Boiler,Ductless Mini-Split,Forced Air,In-Floor Heating,Zoned
  • Cooling features: Central Air,Ductless Mini-Split

Interior Area

  • Total structure area: 6,017
  • Total interior livable area: 6,017 sqft

Kitchen

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Laundry

  • Level: Main
  • Area: 54
  • Dimensions: 9x6

Living Room

  • Level: Main
  • Area: 836
  • Dimensions: 38x22

Loft

  • Level: Upper
  • Area: 288
  • Dimensions: 18x16

Mud Room

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Office

  • Level: Main
  • Area: 108
  • Dimensions: 12x9

Other

  • Level: Main
  • Area: 780
  • Dimensions: 26x30

Recreation Room

  • Level: Lower
  • Area: 984
  • Dimensions: 24x41

Storage

  • Level: Lower
  • Area: 144
  • Dimensions: 16x9

Storage

  • Level: Lower
  • Area: 119
  • Dimensions: 7x17

Sun Room

  • Level: Main
  • Area: 1332
  • Dimensions: 36x37

Utility Room

  • Level: Lower
  • Area: 81
  • Dimensions: 9x9

Utility Room

  • Level: Lower
  • Area: 176
  • Dimensions: 11x16

Walk In Closet

  • Level: Main
  • Area: 63
  • Dimensions: 7x9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 26161530016
  • Zoning description: Residential-Single Family
  • Foundation area: 1575

Features

  • Levels: Modified Two Story
  • Stories: 2
  • Private pool: Yes
  • Pool features: Heated,Indoor
  • Patio & porch: Front Porch
  • Exterior features: Kennel/Dog Run
  • Has spa: Yes
  • Spa features: Hot Tub
  • Fencing: Chain Link

Lot

  • Lot size: 2 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 215 x 410

Parking

  • Total spaces: 5
  • Parking features: Attached,Detached Garage,Garage,Multiple Garages
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
Lightning

FEMA Declared Disasters in Stearns County and Minnesota

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 $3,539$42,468
Home Insurance *$497$5,964
Property Taxes $624$7,488
Electricity $507$6,089
Total$5,167$62,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$177,154/yr
40% on housing$155,010/yr
45% on housing$137,786/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 56362$129
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56362$156
Stearns County$148

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

DateEventPrice
2026-04-20Listed for sale$749,900
2025-11-02Listing removed$839,900
2025-09-20Price change$839,900
2025-08-15Price change$859,900
2025-06-16Price change$874,900
2025-05-17Listed for sale$879,900
2025-05-12Listing removed$879,900
2024-10-11Price change$879,900
2024-08-20Price change$889,900
2024-03-07Listed for sale$899,900

For Sale by Agent

AgentBrenda Boyer
BrokerageCentral MN Realty LLC

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