39109 Karen Ct, Winona, MN, 55987
About This Home
Just minutes from Winona, this beautiful home sits on 1 acre, offering the perfect combination of privacy, space, and breathtaking Mississippi River views. Enjoy room to play, garden, entertain, or simply relax and take in the peaceful surroundings from your backyard. Inside, the open-concept floor plan features an updated kitchen, pantry, and stunning windows that fill the home with natural light while showcasing the beauty of every season. With 4 bedrooms, 2 updated bathrooms, and a 2-car garage, there's plenty of space for everyone. The lower level offers a laundry area, office, and a versatile bonus room that could serve as a theater room, playroom, workout space, hobby room, or whatever best fits your lifestyle. This is a rare opportunity to enjoy country-style living with convenience, comfort, and incredible views just minutes from town.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1979
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
- Laundry features: Laundry Room
Basement
- Has basement: Yes
- Basement: Partial,Partially Finished
Bedroom
- Level: Main
- Area: 114
- Dimensions: 12x9.5
Bedroom2
- Level: Main
- Area: 129.577
- Dimensions: 10.7x12.11
Bedroom3
- Level: Main
- Area: 187.2
- Dimensions: 16x11.7
Bedroom4
- Level: Lower
- Area: 214.2
- Dimensions: 18x11.9
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Bonus Room
- Level: Lower
- Area: 370.5
- Dimensions: 24.7x15
Dining Room
- Level: Main
- Area: 210.38
- Dimensions: 13.4x15.7
Features
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 880
- Finished area above ground: 1,796
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,912
- Total interior livable area: 2,676 sqft
Kitchen
- Level: Main
- Area: 196.25
- Dimensions: 12.5x15.7
Living Room
- Level: Main
- Area: 251.888
- Dimensions: 20.8x12.11
Office
- Level: Lower
- Area: 139.265
- Dimensions: 11.5x12.11
Sun Room
- Level: Main
- Area: 212.01
- Dimensions: 19.1x11.10
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 060005260
- Zoning description: Residential-Single Family
- Foundation area: 1436
Features
- Levels: Multi/Split
- Patio & porch: Rear Porch
Lot
- Lot size: 1 Acres
- Lot size dimensions: 130 x 338
Parking
- Total spaces: 2
- Parking features: Tuckunder Garage
- 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
- Hail
- Tornado
- Winter Weather
- Heat Wave
- Landslide
- Lightning
- Strong Wind
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 | $2,325 | $27,900 |
| Home Insurance * | $373 | $4,476 |
| Property Taxes | $279 | $3,348 |
| Electricity | $225 | $2,708 |
| Total | $3,202 | $38,424 |
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 |
|---|---|---|
| 2026-08-07 | Contingent | $459,900 |
| 2026-07-21 | Price change | $459,900 |
| 2026-06-26 | Price change | $499,900 |
| 2026-06-17 | Listed for sale | $549,900 |
For Sale by Agent
View on Zillow