476 Main St, Winona, MN, 55987
About This Home
LOCATION, LOCATION, LOCATION! Long time investment property for sale right across the street from the WSU Wellness Center. This is a certified duplex with 3 bedrooms down and 2 bedrooms up. Long, solid rental history. Rental certified for 5 unrelated down and 3 unrelated up. No laundry on site. Both units are rented for June 1, 2026-May 25, 2027. Upstairs rent will be $850/month and downstairs rent will be $1,350/month.
Getting Around
Very Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- Year built: 1880
Materials
- Roof: Architectural Shingle,Flat,Pitched,Rubber
- Construction materials: Brick,Frame,Stone
Type & Style
- Home type: MultiFamily
- Property subType: Duplex Up and Down
Interior
Appliances
- Laundry features: None
Basement
- Has basement: Yes
- Basement: Crawl Space,Partial,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 1,744
Heating
- Heating features: Baseboard,Boiler
Interior Area
- Total structure area: 1,844
- Total interior livable area: 1,844 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 324550810
- Zoning description: Residential-Single Family
- Foundation area: 1110
Features
- Levels: One and One Half
- Patio & porch: Covered,Front Porch
Lot
- Lot size: 4,312 sqft
- Features: Corner Lot
- Lot size dimensions: 70 x 62
Parking
- Total spaces: 2
- Parking features: Detached Garage,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
- Cold Wave
- Tornado
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
- Heat Wave
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 | $1,259 | $15,108 |
| Home Insurance * | $202 | $2,424 |
| Property Taxes | $272 | $3,264 |
| Electricity | $170 | $2,050 |
| Total | $1,903 | $22,836 |
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 |
|---|---|---|
| 2026-04-16 | Listed for sale | $255,000 |
View on Zillow