728 5th St NW, Clara City, MN, 56222
About This Home
Completely renovated multi-level home with updates on every floor, beginning in 2017 and completed in 2025. Features include custom-built cabinetry, new flooring, oak staircases, and cedar-lined closets. The home offers an additional shop/garage storage room, as well as multiple composite decks for low-maintenance outdoor living. The property also includes a backup generator, new siding, shingles, windows, and doors, plus raised garden beds. Situated on a quiet dead-end street, this home sits on a large lot conveniently located near the school and swimming pool. This is a must-see property to truly appreciate the quality and care throughout.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1995
Materials
- Roof: Age 8 Years or Less
- Construction materials: Block,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Double Oven,Electric Water Heater,ENERGY STAR Qualified Appliances,Freezer,Microwave,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Drain Tiled,Egress Window(s),Finished,Full,Storage Space,Sump Basket,Sump Pump,Tile Shower
Bedroom
- Level: Upper
- Area: 120
- Dimensions: 10x12
Bedroom2
- Level: Upper
- Area: 120
- Dimensions: 10x12
Bedroom3
- Level: Upper
- Area: 120
- Dimensions: 10x12
Bedroom4
- Level: Basement
- Area: 196
- Dimensions: 14x14
Bedroom5
- Level: Upper
- Area: 180
- Dimensions: 12x15
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 1
- 3/4 bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 168
- Dimensions: 12x14
Features
- Finished area below ground: 550
- Finished area above ground: 1,992
Heating & Cooling
- Heating features: Ductless Mini-Split,Forced Air
- Cooling features: Central Air,Ductless Mini-Split
Interior Area
- Total structure area: 2,944
- Total interior livable area: 2,944 sqft
Kitchen
- Level: Main
- Area: 286
- Dimensions: 11x26
Laundry
- Level: Main
- Area: 132
- Dimensions: 6x22
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 301250150
- Zoning description: Residential-Single Family
- Foundation area: 952
Features
- Levels: Two
- Stories: 2
- Patio & porch: Composite Decking,Deck,Front Porch,Patio
- Fencing: None
Lot
- Lot size: 0.33 Acres
- Features: Tree Coverage - Light
- Lot size dimensions: 100 x 145
Parking
- Total spaces: 2
- Parking features: Attached
- 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
- Hail
- Heat Wave
- Inland Flooding
- Strong Wind
- Winter Weather
- Drought
- Ice Storm
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Chippewa 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 | $2,118 | $25,416 |
| Home Insurance * | $453 | $5,436 |
| Property Taxes | $794 | $9,528 |
| Electricity | $248 | $2,979 |
| Total | $3,613 | $43,356 |
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 |
|---|---|---|
| 2026-04-21 | Listed for sale | $419,000 |
| 2026-02-17 | Listing removed | $449,000 |
| 2025-10-01 | Listed for sale | $449,000 |
| 2014-10-29 | Sold | $155,499 |
| 2006-06-23 | Sold | $190,000 |
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