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817 17th St, Windom, MN, 56101

5beds
4baths
4,184sqft
$495,000
$118price/sqft
$3,930/moest. monthly cost
$157,200/yrincome needed

About This Home

Step into a home where timeless character meets exceptional modern updates. This stunning 5-bedroom, 4-bathroom property has been thoughtfully renovated from top to bottom, featuring all-new siding and windows, a beautifully redesigned kitchen with custom cabinetry and high-end appliances, and updates throughout that make it truly move-in ready. The spacious main floor offers the convenience of laundry, a private primary suite complete with an en suite bath and walk-in closet, and generous living spaces designed for everyday comfort and entertaining. Upstairs, you'll find three additional bedrooms showcasing vaulted ceilings, natural woodwork, and charming tucked-away desk nooks, along with a full bathroom. The fully remodeled lower level adds incredible living space with new flooring, sheetrock, lighting, a large bedroom with egress window and spacious closet, a beautifully finished bathroom, and the peace of mind of a professionally installed Beaver-style basement drainage system. Outside, enjoy a large backyard where a peaceful creek winds along the rear of the property, attracting wildlife and providing the relaxing sounds of nature. Combining quality craftsmanship, extensive updates, and an exceptional setting, this spacious and gorgeous home is a rare opportunity you won't want to miss.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

4/10
Windom Area ElementaryGrades PK-40.3 mi
4/10
Windom Middle SchoolGrades 5-80.3 mi
5/10
Windom Senior High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1975

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Drainage System,Egress Window(s),Finished,Full,Storage Space,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/4 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,050
  • Finished area above ground: 3,134

Heating & Cooling

  • Heating features: Ductless Mini-Split,Forced Air,Fireplace(s)
  • Cooling features: Central Air,Ductless Mini-Split

Interior Area

  • Total structure area: 4,582
  • Total interior livable area: 4,184 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 257910660
  • Zoning description: Residential-Single Family
  • Foundation area: 1567

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 100 x 172 IRREG

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
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Cottonwood 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 $2,502$30,024
Home Insurance *$520$6,240
Property Taxes $556$6,672
Electricity $352$4,234
Total$3,930$47,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,742/yr
40% on housing$117,900/yr
45% on housing$104,800/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$118This listing

vs Other Active Listings

Avg $/sqft

ZIP 56101$91
Cottonwood County$76

vs Homes Sold Last Month

Median $/sqft

ZIP 56101
Cottonwood County$125

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
2026-08-17Price change$485,000
2026-06-10Listed for sale$495,000
2023-08-01Sold$330,000
2023-07-15Pending sale$339,000
2023-05-31Listed for sale$339,000
2019-09-10Listing removed$289,000
2019-07-11Listed for sale$289,000

For Sale by Agent

AgentBetsy Herding
BrokerageRiver's Edge Realty

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