4815 12th St, Winona, MN, 55987
About This Home
Sunlight-filled 4BR/3BA home on a corner lot in WE Valley with views of Boller’s Lake. Welcoming foyer with open staircase and abundant natural light throughout. Remodeled kitchen features granite countertops, oak hardwood floors, farmhouse sink, beverage chiller, and new stainless refrigerator, and opens to an inviting hearth room ideal for entertaining. Main-floor laundry with newer LG washer and gas dryer. All four bedrooms are upstairs. Expansive unfinished basement offers room for future living space, home gym, or theater. Fenced backyard with mature shade trees, deck, and paver patio. Neighborhood park one block away. Major updates within the past five years include roof, maintenance-free steel siding, front door, garage door, furnace, water heater, and gutter guards. Move-in ready with space to grow.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1991
Materials
- Roof: Age 8 Years or Less,Asphalt
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dryer,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Wine Cooler
- Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Laundry Room,Main Level
Basement
- Has basement: Yes
- Basement: Block,Full,Storage Space,Sump Basket,Sump Pump,Unfinished
Bathroom
- Level: Main
- Area: 20.7
- Dimensions: 6.9x3
Bathroom
- Level: Upper
- Area: 29.11
- Dimensions: 7.10x4.10
Bathroom
- Level: Upper
- Area: 45.1
- Dimensions: 11x4.10
Bedroom
- Level: Upper
- Area: 154
- Dimensions: 14x11
Bedroom2
- Level: Upper
- Area: 143
- Dimensions: 11x13
Bedroom3
- Level: Upper
- Area: 110
- Dimensions: 10x11
Bedroom4
- Level: Upper
- Area: 185.9
- Dimensions: 16.9x11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 221
- Dimensions: 17x13
Features
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,220
Foyer
- Level: Main
- Area: 90
- Dimensions: 10x9
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,400
- Total interior livable area: 2,220 sqft
Kitchen
- Level: Main
- Area: 209
- Dimensions: 19x11
Laundry
- Level: Main
- Area: 54
- Dimensions: 9x6
Living Room
- Level: Main
- Area: 247
- Dimensions: 19x13
Office
- Level: Main
- Area: 143
- Dimensions: 13x11
Utility Room
- Level: Lower
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 241280120
- Zoning description: Residential-Single Family
- Foundation area: 1180
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch,Patio
- Fencing: Composite
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake View
Lot
- Lot size: 9,583 sqft
- Features: Tree Coverage - Light
- Lot size dimensions: 90 x 111
Parking
- Total spaces: 2
- Parking features: Attached,Concrete
- 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
- Inland Flooding
- Cold Wave
- Tornado
- Hail
- Landslide
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Winona 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 | $2,072 | $24,864 |
| Home Insurance * | $332 | $3,984 |
| Property Taxes | $335 | $4,020 |
| Electricity | $187 | $2,246 |
| Total | $2,926 | $35,112 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-21 | Price change | $409,900 |
| 2026-07-06 | Listed for sale | $419,900 |
| 2001-06-04 | Sold | $196,500 |
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