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84481 Denham Rd, Willow River, MN, 55795

3beds
1baths
1,300sqft
$299,900
$231price/sqft
$2,100/moest. monthly cost
$84,000/yrincome needed

About This Home

Well-maintained property inside and out featuring a beautiful mix of open green space, mature trees, ponds, and low land, creating a peaceful country setting with endless potential. Previously used as a produce farm, this versatile acreage is well-suited for hobby farming, animals, gardening, recreation, or simply enjoying quiet rural living with plenty of room to spread out. The home offers 3 bedrooms all on one level, a functional kitchen with dining peninsula, partial basement, and several thoughtful updates throughout. Major improvements include a newer roof (2022/2023) and updated mechanicals within the last 5 years, providing peace of mind for future owners. The property is rich with established plantings and landscaping, including lilac bushes, apple trees, rhubarb, and raspberry bushes, adding seasonal beauty and charm. Exceptional outbuildings provide outstanding utility and flexibility, including a 24x32 insulated garage, 54x32 machine shed, 24x48 L-shaped pole shed with 24x24 lean-to/chicken coop area, a 60x16 barn with attached greenhouse, ferry garden, and additional garden/farm structures previously used for produce growing and storage. The land features a desirable blend of wooded areas, open yard (potential pasture), ponds, and low-lying natural habitat, offering privacy, wildlife presence, and a scenic rural backdrop. This is a rare opportunity to own a well-equipped acreage with space, infrastructure, and versatility for a wide range of uses.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
3/10
Willow River SecondaryGrades 7-126.1 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1924

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Metal,Concrete Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Filtration System,Water Heater-Electric,Water Softener-Owned,Cooktop,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level,Dryer Hook-Ups,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial,Drainage System,Unfinished

Bedroom

  • Level: Main
  • Area: 150
  • Dimensions: 15 x 10

Bedroom

  • Level: Main
  • Area: 170
  • Dimensions: 17 x 10

Bedroom

  • Level: Main
  • Area: 90
  • Dimensions: 10 x 9

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 72
  • Dimensions: 9 x 8

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,300

Foyer

  • Level: Main
  • Area: 36
  • Dimensions: 6 x 6

Foyer

  • Level: Main
  • Area: 48
  • Dimensions: 6 x 8

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,300 sqft

Kitchen

  • Level: Main
  • Area: 240
  • Dimensions: 15 x 16

Living Room

  • Level: Main
  • Area: 208
  • Dimensions: 13 x 16

Property

Details

  • Parcel number: 040315000

Features

  • Patio & porch: Patio

Lot

  • Lot size: 21.23 Acres
  • Features: High,Level
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Gravel,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Hail
Strong Wind
Tornado
Winter Weather

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

MonthlyAnnual
Mortgage $1,516$18,192
Home Insurance *$225$2,700
Property Taxes $189$2,268
Electricity $170$2,050
Total$2,100$25,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,000/yr
40% on housing$63,000/yr
45% on housing$56,000/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 55795$126
Pine County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 55795
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)

No zestimate history available

Price History

DateEventPrice
2026-08-15Pending sale$299,900
2026-07-14Price change$299,900
2026-06-22Price change$339,900
2026-05-27Listed for sale$349,900
2008-10-27Sold$200,000

For Sale by Agent

AgentChuck Carstensen
BrokerageRe/max Results- Elk River

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