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208 Spruce Ave NE, Cass Lake, MN, 56633

2beds
2baths
1,232sqft
$230,000
$187price/sqft
$2,088/moest. monthly cost
$83,520/yrincome needed

About This Home

Incredible 2 bedroom, 2 bath Dynamic Homes model. The floor plan offers privacy between the 2 bedrooms and an open feeling in the living room and kitchen area. The price includes all kitchen appliances, central air and a double attached garage. Fantastic opportunity for affordable living for young and old alike.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

1/10
1/10
Cass Lake-Bena SecondaryGrades 9-121.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,232

Heating & Cooling

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

Interior Area

  • Total structure area: 1,232
  • Total interior livable area: 1,232 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 853410710
  • Zoning description: Residential-Single Family
  • Foundation area: 1232

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 609.84 sqft
  • Lot size dimensions: 50 x 140

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather
Inland Flooding
Tornado

FEMA Declared Disasters in Cass 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 $1,163$13,956
Home Insurance *$361$4,332
Property Taxes $394$4,728
Electricity $170$2,050
Total$2,088$25,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,588/yr
40% on housing$62,640/yr
45% on housing$55,680/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 56633$223
Cass County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 56633$92
Cass County$210

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
2025-10-28Listed for sale$230,000

New Construction

AgentLarry Refsland
BrokerageBetter Homes and Gardens Real Estate First Choice

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