115 State Highway 78 N, Ottertail, MN, 56571
About This Home
Very well built cottage in the heart of lakes country. Located in the middle of Ottertail City this house is walking or golf cart distance to the lake, groceries, bars, as well as numerous boutiques and restaurants. This property has also been used in commercial applications in the past. One bedroom + layout. Partial basement.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1930
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 1,044
Heating & Cooling
- Heating features: Dual Fuel/Off Peak
- Cooling features: Dual
Interior Area
- Total structure area: 1,044
- Total interior livable area: 1,044 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 74000990324001
- Zoning description: Residential-Single Family
- Foundation area: 1044
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.50 Acres
- Lot size dimensions: 75 x 250
Parking
- Parking features: None
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
- Inland Flooding
- Winter Weather
- Cold Wave
- Strong Wind
- Tornado
- Hail
- Lightning
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Otter Tail County and Minnesota
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 | $1,006 | $12,072 |
| Home Insurance * | $89 | $1,068 |
| Property Taxes | $65 | $780 |
| Electricity | $170 | $2,050 |
| Total | $1,330 | $15,960 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-05-21 | Listed for sale | $199,000 |
| 2025-04-19 | Listing removed | $199,000 |
| 2024-04-18 | Listed for sale | $199,000 |
| 2013-10-16 | Sold | $70,000 |
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