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12913 Dobbins Rd, Merrifield, MN, 56465

6beds
4baths
4,600sqft
$584,900
$127price/sqft
$3,964/moest. monthly cost
$158,560/yrincome needed

About This Home

Just across the street from beautiful Silver Lake in Merrifield, this expansive 4,500+ square foot home sits on over 12 acres and offers the kind of space and privacy that’s becoming harder to find. Tucked into a more hidden setting with a fenced backyard and mature surroundings, the property provides a peaceful retreat while still being close to everything the area has to offer. Inside, the home was built with gathering and everyday living in mind. Generous living spaces give everyone room to spread out, whether you're hosting holidays, welcoming guests, or simply enjoying quiet evenings at home. The layout offers flexibility for a variety of lifestyles, with space for home offices, hobby areas, or additional guest accommodations—making it well suited for larger households or anyone who appreciates having room to breathe. One of the true highlights of the home is the oversized primary suite, designed to be a private retreat of its own. This spacious area features a large walk-in closet, his-and-hers sinks, and the added convenience of laundry within the suite. A bright sunroom offers the perfect place to start your morning with coffee or unwind at the end of the day, while the attached screened-in porch provides a comfortable space to enjoy the outdoors without the bugs—ideal for relaxing summer evenings or taking in the peaceful surroundings. Outside, the nearly five-acre parcel offers both privacy and functionality. The fenced backyard provides a great space for pets, play, or entertaining, while the detached three-car garage offers plenty of room for vehicles, storage, or workshop space. Whether you're storing lake toys, outdoor equipment, or simply appreciate having extra room to stay organized, this added garage space is a valuable feature that sets the property apart. Lovingly maintained over the years, this home offers a solid foundation and a wonderful opportunity for the next owner to bring their own style and vision to life. The generous square footage, thoughtful layout, and desirable location create the perfect canvas to personalize over time, allowing you to make the home truly reflect your taste while enjoying everything it already has to offer. Properties that combine this level of square footage, acreage, privacy, and proximity to Silver Lake are a rare find. Whether you're looking for space to grow, room to host family and friends, or simply a place that offers both comfort and potential, this property delivers an opportunity to create something truly special in a beautiful Merrifield setting. Now including all 12.35 wooded acres and pole building prepped for living quarters.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
7/10
Forestview Middle SchoolGrades 5-814.0 mi
9/10
Brainerd Senior High SchoolGrades 9-1211.1 mi

Construction

Condition

  • Year built: 1997

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 3/4 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,600

Heating & Cooling

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

Interior Area

  • Total structure area: 4,600
  • Total interior livable area: 4,600 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 53180654
  • Zoning description: Residential-Single Family
  • Wooded area: 435600
  • Foundation area: 3000

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • Waterfront features: Lake View

Lot

  • Lot size: 12.34 Acres
  • Lot size dimensions: 12.34

Parking

  • Total spaces: 8
  • Parking features: Detached Garage,Heated Garage,Multiple Garages
  • Has garage: Yes
  • Attached garage spaces: 8
  • Covered spaces: 8

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
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Hail
Lightning
Strong Wind
Tornado
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 $2,957$35,484
Home Insurance *$312$3,744
Property Taxes $308$3,696
Electricity $387$4,655
Total$3,964$47,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,908/yr
40% on housing$118,920/yr
45% on housing$105,706/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

$127This listing

vs Other Active Listings

Avg $/sqft

ZIP 56465$283
Crow Wing County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 56465$198
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
2026-07-08Price change$584,900
2026-06-10Price change$605,000
2026-05-21Listed for sale$625,000
2026-05-11Listing removed$659,900
2026-04-10Listed for sale$659,900
2025-02-07Sold$485,000
2025-01-26Pending sale$499,900
2025-01-09Listed for sale$499,900
2024-12-04Listing removed$499,900
2024-11-07Price change$499,900
2024-09-10Price change$515,000
2024-08-09Listed for sale$529,900
2024-08-06Listing removed--
2024-07-11Price change$519,900
2024-05-16Price change$549,900
2024-02-21Listed for sale$574,900
2024-01-06Listing removed--
2023-10-20Price change$564,900
2023-08-07Listed for sale$574,900
2021-11-05Sold$460,000
2021-10-08Pending sale$499,000
2021-09-30Price change$499,000
2021-09-02Price change$524,900
2021-06-19Listed for sale$549,900
2020-12-01Listing removed$475,000
2020-07-28Listed for sale$475,000
2019-12-18Listing removed$519,000

For Sale by Agent

AgentIsaiah Moengen
BrokerageWoods to Water Real Estate

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