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301 W 4th St, Winthrop, MN, 55396

4beds
2baths
3,726sqft
$219,000
$59price/sqft
$1,864/moest. monthly cost
$74,560/yrincome needed

About This Home

Step into this warm and welcoming 4 bedroom, 2 bath home in the heart of Winthrop that has been thoughtfully remolded while preserving some of its timeless charm. From the moment you walk in, you'll notice the beautiful woodwork, rich hardwood floors and fresh paint that creates a bright an inviting atmosphere. The open floorplan offers a seamless flow with spacious rooms that provide comfort and flexibility for everyday living or entertaining. Relax and unwind on the cozy porch while sipping coffee or reading. Outside you'll find a two-car garage complete with a dedicated workroom and an extra storage space ideal for hobbies and projects. This home truly blends character, comfort and functionality and is ready for you to make it your own.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

8/10
G.F.W. Elementary SchoolGrades PK-47.6 mi
5/10
Gfw Middle SchoolGrades 6-80.1 mi
6/10
GFW High SchoolGrades 9-120.1 mi

Construction

Condition

  • Year built: 1921

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range

Basement

  • Has basement: Yes
  • Basement: Block

Bathroom

  • Level: Main
  • Area: 48
  • Dimensions: 8x6

Bedroom

  • Level: Main
  • Area: 137.5
  • Dimensions: 12.5x11

Bedroom2

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Level: Upper
  • Area: 121
  • Dimensions: 11x11

Bedroom4

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 188.5
  • Dimensions: 14.5x13

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,726

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,726
  • Total interior livable area: 3,726 sqft

Kitchen

  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Living Room

  • Level: Main
  • Area: 203
  • Dimensions: 14.5x14

Porch

  • Level: Main
  • Area: 207
  • Dimensions: 23x9

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 370104000
  • Zoning description: Residential-Single Family
  • Foundation area: 1363

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 7,056 sqft
  • Lot size dimensions: 7,073

Parking

  • Total spaces: 2
  • Parking features: Detached 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Drought
Hail
Inland Flooding
Tornado
Winter Weather
Heat Wave
Ice Storm

FEMA Declared Disasters in Sibley County and Minnesota

Flood
Severe Storm
Straight Line Winds

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

MonthlyAnnual
Mortgage $1,107$13,284
Home Insurance *$242$2,904
Property Taxes $201$2,412
Electricity $314$3,771
Total$1,864$22,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,908/yr
40% on housing$55,920/yr
45% on housing$49,706/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

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.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$59This listing

vs Other Active Listings

Avg $/sqft

ZIP 55396$83
Sibley County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 55396
Sibley County$109

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

DateEventPrice
2026-05-08Listed for sale$225,000

For Sale by Agent

AgentKari Hotovec
BrokerageMiller Real Estate

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