38537 Sunset Bay Rd, Sturgeon Lake, MN, 55783
5beds
5baths
6,212sqft
$2,200,000
$354price/sqft
$14,905/moest. monthly cost
$596,200/yrincome needed
About This Home
Getting Around
0
Car-Dependent0
Very Limited Transit20
Somewhat BikeableSchools
4/10
3/10
Construction
Condition
- Property condition: Previously Owned
- Year built: 2011
Materials
- Construction materials: Wood,Concrete Block,Frame/Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Log
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Main Level,Dryer Hook-Ups,Washer Hookup
Basement
- Basement: N/A
Bedroom
- Level: Main
- Area: 552
- Dimensions: 23 x 24
Bedroom
- Level: Upper
- Area: 208
- Dimensions: 16 x 13
Bedroom
- Level: Upper
- Area: 160
- Dimensions: 16 x 10
Bedroom
- Level: Upper
- Area: 182
- Dimensions: 14 x 13
Bedroom
- Level: Upper
- Area: 150
- Dimensions: 10 x 15
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 2
- Main level bedrooms: 1
Dining Room
- Level: Main
- Area: 1053
- Dimensions: 27 x 39
Features
- Ceiling Fan(s),Eat In Kitchen,Kitchen Island,Natural Woodwork,Vaulted Ceilings,Walk-In Closet(s),Wet Bar
- Flooring: Hardwood Floors
- Number of fireplaces: 2
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 6,212
Heating & Cooling
- Heating features: Forced Air,Geothermal,In Floor Heat,Electric
- Cooling features: Geothermal
Interior Area
- Total interior livable area: 6,212 sqft
Kitchen
- Level: Main
- Area: 342
- Dimensions: 18 x 19
Laundry
- Level: Main
- Area: 120
- Dimensions: 12 x 10
Living Room
- Level: Main
- Area: 575
- Dimensions: 23 x 25
Loft
- Level: Upper
- Area: 864
- Dimensions: 32 x 27
Media Room
- Level: Upper
- Area: 400
- Dimensions: 16 x 25
Office
- Level: Main
- Area: 156
- Dimensions: 12 x 13
Property
Accessibility
- Accessibility features: Accessible Doors,Accessible Hallway(s),No Stairs External
Details
- Parcel number: 033527100
- Zoning description: Residential
Features
- Patio & porch: Deck,Patio,Porch
- Exterior features: Outdoor Kitchen
- Has view: Yes
- View description: Inland Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Inland Lake,Waterfront Access(Private),Shoreline Characteristics(Shore-Accessible)
- Waterbody name: Sturgeon
- Frontage length: 300
Lot
- Lot size: 1.50 Acres
- Features: Accessible Shoreline,Irregular Lot,Landscaped
- Lot size dimensions: IRREG.
Parking
- Total spaces: 6
- Parking features: RV Parking,Attached,Detached,Tuckunder,Multiple,Drains,Heat,Insulation
- Has garage: Yes
- Attached garage spaces: 6
- Covered spaces: 6
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
- Lightning
- Hail
- Inland Flooding
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Pine 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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $11,124 | $133,488 |
| Home Insurance * | $1,915 | $22,980 |
| Property Taxes | $1,343 | $16,116 |
| Electricity | $523 | $6,287 |
| Total | $14,905 | $178,860 |
Income You'd Need if You Spent...
30% on housingRecommended$596,200/yr
35% on housing$511,028/yr
40% on housing$447,150/yr
45% on housing$397,466/yr
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
$354This listing
vs Other Active Listings
Avg $/sqft
ZIP 55783$226
Pine County$168
vs Homes Sold Last Month
Median $/sqft
ZIP 55783—
Pine County$105
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Listed for sale | $2,200,000 |
| 2024-08-22 | Listing removed | $2,500,000 |
| 2024-06-19 | Listed for sale | $2,500,000 |
| 2024-06-17 | Listing removed | -- |
| 2024-03-04 | Listed for sale | $3,500,000 |
| 2024-02-08 | Pending sale | $3,500,000 |
| 2024-02-01 | Listed for sale | $3,500,000 |
| 2007-06-22 | Sold | $1,375,000 |
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