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920 Isaac Rd NW, Rice, MN, 56367

5beds
4baths
2,750sqft
$609,900
$222price/sqft
$4,233/moest. monthly cost
$169,320/yrincome needed

About This Home

Rarely does a property combine luxury, versatility, and privacy this seamlessly. Nestled on 2.5 wooded acres, this custom-built ICF home delivers 2,700 sq. ft. of thoughtfully designed living space with 4 bedrooms, 3 bathrooms, radiant in-floor heat, central air, and quality finishes throughout. The insulated concrete construction provides exceptional strength, energy efficiency, and peace of mind. Beyond the main home, you’ll discover an impressive 900 sq. ft. finished shouse featuring a full kitchen, full bath, open-concept living area, radiant floor heat, and an attached heated shop—perfect for guests, extended family, a home office, business, hobbies, or income-producing opportunities. The private setting is every outdoor enthusiast’s dream, with mature woods, trails, wildlife, nearby ATV riding, and Little Rock Lake just moments away, all while remaining less than 10 minutes from St. Cloud. From the upgraded septic and irrigation system to the exceptional construction and flexible living spaces, every detail has been thoughtfully designed. Properties offering this level of quality and versatility seldom come to market.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
Rice Elementary SchoolGrades PK-54.4 mi
4/10

Construction

Condition

  • Year built: 2009

Materials

  • Construction materials: ICFs (Insulated Concrete Forms)

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Central Vacuum,Dishwasher,Exhaust Fan,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned

Basement

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

Bedroom

  • Level: Main
  • Area: 136.5
  • Dimensions: 13x10.5

Bedroom2

  • Level: Main
  • Area: 162.5
  • Dimensions: 13x12.5

Bedroom3

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

Bedroom4

  • Level: Lower
  • Area: 186
  • Dimensions: 15.5x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Family Room

  • Level: Lower
  • Area: 338
  • Dimensions: 26x13

Features

  • Central Vacuum
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,325
  • Finished area above ground: 1,425

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s),In-Floor Heating
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,900
  • Total interior livable area: 2,750 sqft

Kitchen

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Living Room

  • Level: Main
  • Area: 320
  • Dimensions: 20x16

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 120141100
  • Zoning description: Residential-Single Family
  • Foundation area: 1450

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Composite Decking

Lot

  • Lot size: 2.50 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 600 x 182

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Hail
Lightning
Tornado
Wildfire
Winter Weather

FEMA Declared Disasters in Benton 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 $3,083$36,996
Home Insurance *$426$5,112
Property Taxes $493$5,916
Electricity $231$2,783
Total$4,233$50,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,131/yr
40% on housing$126,990/yr
45% on housing$112,880/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: 11.7%
11.7%
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

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 56367$161
Benton County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 56367$161
Benton County$151

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
2026-08-07Price change$585,000
2026-08-01Listed for sale$609,900
2017-01-20Sold$345,000
2017-01-06Listed for sale$349,900
2016-10-21Listing removed$349,900
2016-08-25Price change$369,900
2016-08-17Price change$374,900
2016-07-14Price change$379,900
2016-07-01Price change$384,000
2016-06-13Listed for sale$399,000
2012-06-28Sold$295,900
2012-05-10Listed for sale$289,900

For Sale by Agent

AgentSteven Merten
BrokerageColdwell Banker Realty

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