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7925 Us Highway 169, Garrison, MN, 56450

4beds
2baths
1,606sqft
$380,000
$237price/sqft
$2,610/moest. monthly cost
$104,400/yrincome needed

About This Home

Located just south of Garrison, your own little resort awaits you. Perfect to live in, as a weekend getaway, or rent them out. The main house has been totally renovated within the last 4 years, see photos. Guest house has new LVP flooring and new A/C and furnace installed spring of 2024. Each house has 2 BRs, 1 full bathroom, nice sized kitchens, & living areas. The main & guest house are on almost 1/2 acre each, plus a 3+ acre vacant lot for your own business, self-storage, flower shop, cottages, bait shop, or whatever else you can think of. Looking over the large front yards, & across 169 are the shores of Mille Lacs, the state owns this area, but residents are allowed to put in a dock if you wish. Amenities are nearby & Twin Pines resort & boat launches are down a few 100 ft. Enjoy the sound of the moving water & the peacefulness of St. Alban Bay

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

--
Onamia Primary SchoolGrades PK-216.3 mi
3/10
Onamia High SchoolGrades 7-1216.3 mi

Construction

Condition

  • Year built: 1982

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom

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

Bedroom2

  • Level: Main
  • Area: 80
  • Dimensions: 8x10

Bedroom3

  • Level: Main
  • Area: 99.75
  • Dimensions: 10.5x9.5

Bedroom4

  • Level: Main
  • Area: 96
  • Dimensions: 8x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 88
  • Dimensions: 8x11

Family Room

  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,606

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air,Wall Unit(s)

Informal Dining Room

  • Level: Main
  • Area: 88
  • Dimensions: 8x11

Interior Area

  • Total structure area: 1,606
  • Total interior livable area: 1,606 sqft

Kitchen

  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Kitchen2Nd

  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Living Room

  • Level: Main
  • Area: 294
  • Dimensions: 21x14

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 67250538
  • Zoning description: Business/Commercial,Residential-Single Family
  • Foundation area: 1606

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Panoramic
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake View,Waterfront Elevation(0-4),Lake Bottom(Sand)

Lot

  • Lot size: 4.23 Acres
  • Lot size dimensions: -

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

How This Home’s Risks Compare

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

FEMA Declared Disasters in Crow Wing 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 $1,921$23,052
Home Insurance *$262$3,144
Property Taxes $257$3,084
Electricity $170$2,050
Total$2,610$31,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,485/yr
40% on housing$78,300/yr
45% on housing$69,600/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 56450$103
Crow Wing County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 56450$236
Crow Wing County$204

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
2026-05-04Price change$390,019
2026-04-17Listed for sale$400,000
2026-04-04Listing removed$400,000
2025-12-26Price change$400,000
2025-11-25Listed for sale$415,000
2023-08-10Sold$365,000
2023-06-02Listed for sale$389,000
2020-10-24Listing removed$325,000
2019-10-24Listed for sale$325,000

For Sale by Agent

AgentDaniel Jonathan Olson
BrokerageRenters Warehouse

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