Home Buyer Guide

Buying With Team Montgomery

Buying a home in Bemidji starts here

Buying a home is a big move, and it goes a lot smoother with local people in your corner. We're Team Montgomery, a family-run team of four REALTORS® with 218 Real Estate in Bemidji. We help buyers all across the lakes area, from first homes in town to cabins and lakeshore.

Team Montgomery, REALTORS® with 218 Real Estate in Bemidji, Minnesota

Why Buyers Work With Us

Four agents, one team, on your side

We actually know this market

We live here, work here, and watch every sale in the Bemidji area. When you ask what a house is really worth, you get an answer based on local sales data, not a guess.

A search built around you

We start by listening. Your budget, your must-haves, your timeline. Then we set up a search that fits, whether that's a starter home in town, acreage, or a place on the water.

Honest numbers before you offer

Before you write an offer, we walk you through what our opinion of the property value, as well as talk you through what it will probably sell for based on market conditions, price point, etc.

Negotiation with a steady hand

Price, repairs, closing dates, contingencies. We negotiate all of it for you and explain every option in plain language, so you're never guessing what happens next.

Lakeshore and rural know-how

Septic inspections, wells, shoreland zoning, deeded access. Buying outside city limits comes with extra steps, and we handle them every week across Beltrami, Cass, Hubbard, and Clearwater counties.

Still here after closing

Need a plumber, a plow guy, or an answer about your property taxes six months later? Call us. Our clients come back, and many send their friends and family.

How It Works

The buying process, step by step

  1. 1
    Talk with us. A quick, no-pressure conversation about what you're looking for, your budget, and your timeline. If you need a lender, we'll point you to good local options.
  2. 2
    Get pre-approved. A pre-approval letter tells you what you can spend and makes your offer stronger. It's the single best first step any buyer can take.
  3. 3
    Tour homes. We set up showings that fit your schedule and give you our honest read on every property, including the stuff photos don't show.
  4. 4
    Make a smart offer. We run the numbers on recent sales so your offer is competitive without overpaying, then we handle the negotiation.
  5. 5
    Inspections and paperwork. Home inspection, and on rural properties the septic and well checks too. We coordinate all of it and keep you posted at every step.
  6. 6
    Get the keys. We're with you through closing day, and we're a phone call away long after.

Real Clients, Real Words

What buyers say about us

Five-star client review from Sam Boyer for Team Montgomery in Bemidji, MN Five-star client review from Kathryn Larson for Team Montgomery in Bemidji, MN Five-star client review from J and J Mac for Team Montgomery in Bemidji, MN

Tap a review to read it full size.

Buyer Questions

Quick answers for Bemidji buyers

How much does it cost to work with a buyer's agent?

Agent compensation is negotiable and spelled out in a written agreement before we tour homes together. In many sales the seller agrees to cover some or all of the buyer's agent fee. We explain exactly how it works at our first meeting, in plain language, before you commit to anything.

Do you work with first-time buyers?

All the time, and we enjoy it. We walk you through every step, explain the paperwork in plain terms, and connect you with local lenders who know the loan programs that help first-time buyers, including low and zero down payment options for those who qualify.

Can you help me buy a lake home or rural property?

Yes, that's a big part of what we do. Lake and rural purchases come with extra steps like septic compliance inspections, well water testing, and shoreland zoning rules. We deal with these on a regular basis across the Bemidji lakes area and will make sure nothing gets missed.

How fast can we see a home that just hit the market?

Usually within a day, and often the same day. Our listing search updates from the MLS throughout the day, so set up an account with saved searches and you'll get alerts the moment something matching your criteria goes live. Then call or text us and we'll get you in the door.

What areas do you cover?

We're based in Bemidji and work across Beltrami, Cass, Hubbard, and Clearwater counties. That includes Cass Lake, Walker, Solway, Wilton, Tenstrike, Laporte, Blackduck, and the lakes in between. Start with our Bemidji homes for sale page or browse the area pages in our menu.

Ready When You Are

Let's find your next home

Call or text any of us. You'll get a real person and a straight answer.

Start Searching Homes
× Enlarged client review for Team Montgomery

Start Your Bemidji, Minnesota Real Estate Search.

$614,900
3 Beds 3 Baths 7090405 MLS
Experience the perfect blend of lakeside living, modern comfort, and exceptional craftsmanship in this stunning 3-bedroom, 3-bathroom barndominium home on the shores of Lake Campbell. Thoughtfully designed with both functionality and style in mind, this unique property offers spacious living areas, premium finishes, and impressive garage space for all your recreational needs. The 1,800-square-foot heated garage features three overhead doors, spray-foam insulation, and ample room for vehicles, boats, ATVs, storage, or a workshop—making it a dream setup for hobbyists and outdoor enthusiasts alike. Inside, you'll be welcomed by a spacious mudroom and a convenient half bath before stepping into the heart of the home. The open-concept kitchen, dining, and living area is highlighted by soaring 24-foot pine-vaulted ceilings, creating a warm and inviting atmosphere filled with natural light. The well-appointed primary suite serves as a private retreat, complete with a luxurious steam shower for ultimate relaxation. An upper-level living area provides additional space for entertaining, gathering with family, or simply enjoying the peaceful lake views. Situated on a beautiful Lake Campbell lot, this property offers the best of lake life with room to relax, entertain, and enjoy the outdoors year-round. Whether you're looking for a full-time residence or the perfect waterfront getaway, this one-of-a-kind home delivers comfort, space, and unforgettable lakeside charm.

15215 Werner Road NW, Bemidji

Listing courtesy of Grimes Realty.

$174,900
3 Beds 2 Baths 7084577 MLS
NEW PRICE—and now even more comfortable with a newly installed window air-conditioning unit! Freshly updated and just minutes from Bemidji, this 3-bedroom, 2-full-bath double-wide offers easy single-level living on over an acre of land. You get room to garden, relax, park, and enjoy the outdoors while still being close to town. Step inside and you’ll notice the updates right away, including new windows, modern shades, exterior doors, flooring, countertops, hot water heater, pressure tank, and updated LED lighting. The kitchen feels clean and functional with updated counters, improved wooden cabinetry, a movable matching island, a new single-basin sink, and included appliances: refrigerator, oven, microwave, and dishwasher. Several LED fixtures also include a softer night-light setting for evening use. The primary suite gives you your own full bathroom and walk-in closet. Both bathrooms have been updated with new tubs, tub surrounds, toilets, sinks, and faucets. The washer and dryer are also included for added convenience. In the colder months, the freestanding gas fireplace adds warmth and character, while the 2022 off-peak electric furnace gives you another efficient heat source. Outside, you’ll find new steel skirting with vents, a treated wood deck, new back entry stairs, and a home that is already tied down. The location is hard to beat. You get space, privacy, and over an acre of land while still being only minutes from Bemidji. With the updates already done, this home is ready for you to move in and enjoy.

6488 Nature Road NW, Bemidji

Listing courtesy of Coldwell Banker Realty.

$368,000
2 Beds 2 Baths 7080914 MLS
Private Northwoods Retreat with Rustic Charm & Access to Turtle River Lake. Nestled among towering pines and mature hardwoods, this beautifully maintained log-sided home offers the perfect blend of privacy, comfort, and functionality. Set on a wooded parcel, this stunning property adjoins more than 25 acres of state land to Turtle River Lake, with no neighbors on 3 sides! Yet, it is only 14 minutes to Bemidji airport, 10 minutes to hospital and city of Bemidji amenities. From the moment you arrive this home welcomes you with rich wood finishes and a true "up north" feel throughout. Inside you'll find an inviting open-concept design filled with abundant natural light and multiple gathering areas perfect for entertaining. The kitchen offers ample cabinetry, a center island with seating; connected to the dining and living areas. The home features 2+ bedrooms, 2 bathrooms, dedicated office space, and versatile lower-level living area including bonus room with its own walk-out patio as well as fenced in yard. There is Central Air and two gas fireplaces; one upstairs and one downstairs, in addition to floor heat and whole house electric heating. These heating systems include off-peak electric rates from Beltrami Electric. Outside, enjoy peaceful mornings on the deck overlooking established gardens and fruit trees. The property includes a large insulated attached garage with abundant storage and workspace, plus additional covered parking for boats, recreation vehicles, and outdoor equipment, as well as a back yard shed. Whether you're looking for a year-round residence, private retreat, or a place to enjoy Minnesota's great outdoors, this property offers exceptional versatility, privacy, and timeless Northwoods appeal, within a short drive to Bemidji amenities. See agent remarks for more detailed information on access to Turtle River Lake

104 6th Street SE, Bemidji

Listing courtesy of Realty Experts, LLC.

$489,000
3 Beds 2 Baths 7084376 MLS
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!

20439 Continental Court NW, Bemidji

Listing courtesy of Headwaters Realty Services LLC.

$974,800
5 Beds 4 Baths 7081836 MLS
Experience true Northwoods living on the shores of Lake Plantagenet with this stunning log home set on an oversized, private 2-acre lot featuring 150 feet of beautiful lakeshore. New price reduction and a $7,500 flooring / carpet allowance. Surrounded by towering trees and park-like grounds, the property offers an incredible outdoor setting complete with a peaceful pond and waterfall feature, expansive patio and deck spaces, a vaulted 15x20 screened room, and a bright sunroom designed for relaxing lake days and evening sunsets. Inside, the expansive home combines rustic character with spacious comfort. The inviting living room showcases a beautiful stone fireplace, while the kitchen and dining areas provide the perfect gathering space for entertaining family and guests. With 5 bedrooms and 4 bathrooms, there is room for everyone, including a luxurious upper-level primary suite featuring a steam shower and soaking tub retreat. The walkout lower level offers an impressive family and game room with handcrafted bar, additional fireplace, exercise area, and direct access to the patio, pond, and hot tub area. Additional highlights include main floor laundry, updated bathrooms, large bedrooms and closets, attached garage space, plus an impressive detached garage/shop with concrete floors and electric — ideal for boats, lake toys, vehicles, and recreational equipment. Dock and lift are included, and the home has been exceptionally maintained, making this a rare turnkey opportunity on one of the Bemidji area’s premier lakes.

20266 Windhill Drive, Bemidji

Listing courtesy of Real Broker, LLC.

$565,000
3 Beds 3 Baths 7077881 MLS
Experience the ultimate in lakeside living with this stunning 2-story, 3-bedroom, 3-bathroom town home on beautiful Lake Bemidji. Designed for modern comfort, this property offers the highly sought-after convenience of one-level living alongside breathtaking water views. Step inside to a bright, open great room featuring a dramatic vaulted, double-height ceiling and a cozy gas-burning fireplace—the perfect centerpiece for crisp Minnesota evenings. The entire home has been freshly painted and features completely updated bathrooms throughout. At the heart of the home is an updated kitchen boasting premium quartz countertops, under cabinet lighting, soft-close cabinetry, and brand-new appliances. Unwind in the spectacular lakeside primary bedroom, complete with a fully updated private ensuite bath and serene wake-up views of the lake. Complete all of this with an attached 2 stall garage and a large lakeside patio for your outdoor entertainment and you just can’t ask for much more! Association Highlights: 475' of premium level shoreline access to sandy bottom swimming and an expansive green space. Includes access to two docks, featuring brand-new docks purchased just last year. Bring your own lift. A professional shoreline restoration project was completed in 2022, ensuring eco-friendly stability and beauty and there is a bonus lot ~ an extra lot across the street featuring additional garages, perfect for boat and toy storage, with the exciting potential to build your own garage in the future. Enjoy a turnkey, lock-and-leave lifestyle right on the shores of Lake Bemidji!

4524 Birchmont Drive NE Unit 4, Bemidji

Listing courtesy of Lake-N-Woods Realty.

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