$489,000
$10K PRICE DROP

20439 Continental Ct NW Bemidji, MN 56601

Bemidji Area

Estimated payment $3,016/month

Total Views 14,643
3 Beds
2 Baths
2,482 Sq Ft
$197 Price per Sq Ft

Highlights

  • 50 Feet of Waterfront
  • Beach Access
  • Deck
  • Docks
  • Lake View
  • Family Room with Fireplace

About This Home

Spacious and beautifully maintained home with 50 feet of Exclusive dock/water access to Lake Julia located on desirable Continental Court! Enjoy lake life without the high price of waterfront taxes with your own dock and boat lift already in place on the lake. Easement adjoins this property and is easily navigated by foot or by recreational vehicles. This impressive updated home offers 3 bedrooms and 2 bathrooms, with two bedrooms and a full bath conveniently located on the main level. One of the standout features is the massive sunroom with vaulted ceilings, providing a bright and inviting space to relax year-round. The sunroom opens to a fenced backyard area that connects to the oversized heated detached garage, offering excellent functionality and storage.
Outdoor living is exceptional here with a wraparound deck that flows from the front entrance around the home and leads to the patio area—perfect for enjoying fresh air, entertaining guests, or simply taking in the peaceful setting.
Inside, you'll find generous living spaces and abundant storage throughout the home. The spacious kitchen features ample cabinetry, while the large dining area provides plenty of room for gatherings. The open-concept upper level living room creates a comfortable atmosphere and offers beautiful views overlooking a back yard deck and Lake Julia.
The lower level adds even more usable space with a third bedroom, a huge laundry room, and an oversized storage room that doubles perfectly as a workout area or hobby space. The cozy family room features a gas fireplace and a newly built-in bar, making it the ideal spot for entertaining or relaxing evenings at home.
Additional highlights include attached garage, oversized heated detached garage, and two garden sheds—one of which is brand new—**providing plenty of space for tools, toys, and lake gear. Plus tons of updates to include flooring, electrical, and decking to name a few.
If you’ve been waiting for a spacious and elegant home with lake access on beautiful Lake Julia, this property offers the perfect blend of comfort, recreation, and convenience located just a few minutes from Buena Vista ski area, a few minutes to shopping in Bemidji, close to schools and many fishing and recreational lakes. This home is nestled under the mature trees in natures paradise!

Listing Agent

Jill Larson

Headwaters Realty Services LLC Listed on: 06/01/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,972

Year Built

  • Built in 1972

Lot Details

  • 50 Feet of Waterfront
  • Lake Front
  • Street terminates at a dead end
  • Rural Setting
  • Partially Fenced Property
  • Chain Link Fence
  • Irregular Lot
  • Few Trees
  • Zoning described as Shoreline

Parking

  • 5 Car Garage

Home Design

  • 1.5-Story Property
  • Cabin
  • Block Foundation
  • Frame Construction
  • Vinyl Siding

Interior Spaces

  • Vaulted Ceiling
  • Free Standing Fireplace
  • Decorative Fireplace
  • Gas Fireplace
  • Family Room with Fireplace
  • 2 Fireplaces
  • Combination Dining and Living Room
  • Game Room with Fireplace
  • Lake Views

Kitchen

  • Range
  • Microwave
  • Dishwasher
  • The kitchen features windows

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom on Main

Laundry

  • Laundry Room
  • Dryer
  • Washer

Finished Basement

  • Basement Fills Entire Space Under The House
  • Block Basement Construction
  • Laundry in Basement
  • Basement Window Egress

Outdoor Features

  • Beach Access
  • Docks
  • Deck
  • Patio

Utilities

  • Forced Air Heating and Cooling System
  • Baseboard Heating
  • Water Filtration System
  • Well

Community Details

  • No Home Owners Association

Listing and Financial Details

  • Assessor Parcel Number 470004200

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,972

Year Built

Built in 1972

Lot Details

1.49 Acres

Parking

5

Listing Details

  • Type: Residential
  • Property Subtype 1: Single Family
  • Cooling System: Central Air
  • Outside Features: Vinyl
  • Garage Spaces: 5
  • Accessibility Features: None
  • Fireplaces: 2
  • Water Source: Well
  • Year Built: 1972
  • Above Grade Finished Sq Ft: 1531
  • Unit Levels: One and One Half
  • New Construction: No
  • FractionalOwnershipYN: No
  • NST_SingleFamilySubType: Acreage, Cabin, Rural Residential, Ranch-Style Home
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Basement: Block, Egress Window(s), Finished, Full
  • Appliances: Dishwasher, Dryer, Water Filtration System, Microwave, Range, Refrigerator, Washer
  • Fireplace Features: Amusement Room, Decorative, Family Room, Free Standing, Gas
  • Living Area: 2482
  • Fireplace: Yes
  • Below Grade Finished Sq Ft: 951
  • Basement YN: Yes

Beds/Baths

  • Full Bathrooms: 1
  • Total Bedrooms: 3
  • Three Quarter Bathrooms: 1

Exterior Features

  • Roof: Asphalt
  • Fencing: Chain Link, Partial
  • View: Lake, Panoramic
  • Foundation Details: Block
  • Other Structures: Storage Shed
  • PatioPorchType: Composite Decking, Deck, Patio
  • Lake Bottom: Hard, Reeds, Undeveloped
  • Elevation Highpoint to Waterfront Feet: 4-10
  • Waterfront Frontage: 50

Garage/Parking

  • Parking Features: Attached Garage, Detached Garage

Utilities

  • Heating: Baseboard, Forced Air, Fireplace(s)
  • Sewer: Private Sewer
  • LaundryFeatures: In Basement
  • Fuel: Natural Gas

Condo/Co-op/Association

  • Association: No
  • Amenities Unit: Ceiling Fan(s), Deck, Dock, Exercise Room, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Patio, Porch, Skylight, Boat Slip, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup

Schools

  • Junior High Dist: Bemidji
  • SchoolDistrictPhone: 2183333100

Lot Info

  • Waterfront YN: Yes
  • PropertyAttachedYN: No
  • Lot Size: 200+324
  • Land Lease: No
  • Lot Features: Accessible Shoreline, Irregular Lot, Tree Coverage - Medium
  • Additional Parcels: No
  • Zoning Description: Shoreline
  • AssessmentPending: No
  • Yearly/Seasonal: Yearly

Building Info

  • Construction Materials: Frame

Tax Info

  • Tax Year: 2025
  • Assessor Parcel Number: 470004200
  • Tax Annual Amount: 3972
  • TaxWithAssessments: 3972

Multi Family

  • WaterfrontFeatures: Dock, Lake Front, Lake View

Map

Range of Values:

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Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,906 $382,200 $40,100 $342,100
2024 $3,416 $362,300 $30,300 $332,000
2023 $3,416 $362,300 $30,300 $332,000
2022 $3,013 $331,500 $30,300 $301,200
2021 $2,896 $266,000 $26,700 $239,300
2019 $2,598 $258,100 $25,300 $232,800
2018 $2,480 $228,900 $20,700 $208,200
2016 $2,318 $203,600 $20,100 $183,500
2015 $2,242 $224,100 $0 $0
2014 $2,184 $205,900 $0 $0
2011 $2,366 $217,300 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
06/30/2026 06/30/26 Price Changed $489,000 -2.0% $197 / Sq Ft
06/01/2026 06/01/26 For Sale $499,000 -- $201 / Sq Ft
Source: NorthstarMLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $259,000 Sathre Title & Abstract
Warranty Deed $243,000 Sathre Title & Abstract Inc
Warranty Deed $240,000 None Available
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $105,000 New Conventional
Open $233,100 New Conventional
Previous Owner $107,000 New Conventional
Previous Owner $165,300 New Conventional
Previous Owner $164,000 New Conventional
Source: Public Records

About the Listing Agent

Jill Larson

Headwaters Realty Services LLC

(218) 277-7891

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With over 8 years of experience as a licensed real estate professional and a successful local business owner, I specialize in the dynamic field of commercial real estate, expertly aligning buyers and sellers for smooth and profitable transactions. My deep knowledge of various business types allows me to understand the unique needs of each client, whether you're buying or selling, and to provide customized solutions that maximize value.

My expertise spans across multiple commercial

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Source: NorthstarMLS

MLS Number: 7084376

NorthstarMLS

APN: 47.00042.00

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