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21892 Flowerwood Ct, Richmond, MN, 56368

3beds
2baths
1,596sqft
$550,000
$345price/sqft
$3,772/moest. monthly cost
$150,880/yrincome needed

About This Home

Enjoy the best of lake living in this beautifully maintained one-level home on the Chain of Lakes. This one-owner property offers an ideal layout highlighted by a stunning wall of windows that showcases breathtaking water views and fills the home with natural light. The thoughtfully designed kitchen features granite countertops, stainless steel appliances, custom cabinetry, a movable island, and an entire wall of built-ins for exceptional storage. Just off the kitchen, the sunroom provides a peaceful retreat—perfect for relaxing while taking in views of the lake, lush green space, and perennial gardens that create a true bird lover’s paradise. The home offers both a family room and living room, separated by elegant French doors, giving you flexible spaces for everyday living and entertaining. There are three spacious bedrooms and two full bathrooms, including a generous primary suite with an abundance of closet space. The updated primary bathroom features porcelain tile, a whirlpool tub, and double sinks—creating a spa-like experience. Step outside to enjoy a newer lakeside deck (just two years old), ideal for entertaining or simply soaking in the scenery. A patio near the water provides additional space for gatherings, including room for a firepit and cozy evenings by the lake. There is 250' of lakeshore. With access to 12 connected lakes, this property is perfectly situated for boating, fishing, swimming, and endless recreation. The dock is ready to be installed, so you can start enjoying lake life right away. Schedule your showing today and experience everything this exceptional property has to offer. See supplements for additional information. Professional photos of the outside of the home are coming!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
2/10
Rocori AlcGrades 7-123.8 mi
7/10
Rocori Middle SchoolGrades 6-83.8 mi

Construction

Condition

  • Year built: 1986

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level,Sink

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Bedroom2

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Bedroom3

  • Level: Main
  • Area: 96
  • Dimensions: 12x8

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Deck

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Deck

  • Level: Main
  • Area: 336
  • Dimensions: 28x12

Deck

  • Level: Main
  • Area: 100
  • Dimensions: 10x10

Deck

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Family Room

  • Level: Main
  • Area: 210
  • Dimensions: 12x17'6

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,596

Heating & Cooling

  • Heating features: Fireplace(s)
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,596
  • Total interior livable area: 1,596 sqft

Kitchen

  • Level: Main
  • Area: 240
  • Dimensions: 12x20

Laundry

  • Level: Main
  • Area: 48
  • Dimensions: 8x6

Living Room

  • Level: Main
  • Area: 208
  • Dimensions: 16x13

Mud Room

  • Level: Main
  • Area: 80
  • Dimensions: 10x8

Sun Room

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 36244850008
  • Zoning description: Residential-Single Family
  • Foundation area: 1596

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 1.75 Acres
  • Lot size dimensions: 58 x 355 x 368 x 564

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Electric,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Inland Flooding
Lightning
Tornado
Winter Weather

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 $2,781$33,372
Home Insurance *$407$4,884
Property Taxes $414$4,968
Electricity $170$2,050
Total$3,772$45,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,325/yr
40% on housing$113,160/yr
45% on housing$100,586/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

$345This listing

vs Other Active Listings

Avg $/sqft

ZIP 56368$164
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56368$190
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
2026-05-13Price change$640,000
2026-04-21Listed for sale$675,000

For Sale by Agent

AgentSandra K. Harrison
BrokerageColdwell Banker Realty

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