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504 Main St SE, Chatfield, MN, 55923

3beds
2baths
1,349sqft
$250,000
$185price/sqft
$1,936/moest. monthly cost
$77,440/yrincome needed

About This Home

Bespoke cottage charm in the heart of Chatfield. Thoughtfully and completely renovated by Ring and Bird Design, this one-of-a-kind cottage-style home is a rare blend of authentic character and modern comfort. Original fir hardwood floors have been lovingly refinished throughout the main level and staircase, original hardware and vintage light fixtures restored, and the dining area retains its original wallpaper-- details that give this home a soul you simply can't replicate. The kitchen shines with new cabinetry featuring brass hardware, quartzite countertops, a quartz composite sink, and retro-style appliances that honor the home's vintage personality. Freshly painted interiors in soothing neutral tones make every room feel calm and welcoming from the moment you walk in. Step outside yourself on the large, welcoming three-season front porch - the kind of space that turns neighbors into friends - or slip out back to the smaller rear porch, complete with custom boot racks. The oversized bonus room with new carpeting gives you flexibility for whatever life requires, and the two-car garage has been freshly painted. The yard has been regraded and reseeded. Newer roof and mechanicals. Pre-inspected and move-in ready. Staging items may be available under a separate personal property agreement.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
67
BikeBikeable

Schools

7/10
8/10
Chatfield SecondaryGrades 7-120.8 mi

Construction

Condition

  • Year built: 1881

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Freezer,Gas Water Heater,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: In Basement,Sink

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Daylight,Storage Space

Bathroom

  • Level: Main
  • Area: 16
  • Dimensions: 4x4

Bathroom

  • Level: Upper
  • Area: 48
  • Dimensions: 6x8

Bedroom

  • Level: Main
  • Area: 88
  • Dimensions: 11x8

Bedroom2

  • Level: Upper
  • Area: 165
  • Dimensions: 11x15

Bedroom3

  • Level: Upper
  • Area: 156
  • Dimensions: 13x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Upper
  • Area: 162
  • Dimensions: 9x18

Dining Room

  • Level: Main
  • Area: 195
  • Dimensions: 15x13

Features

  • Fireplace features: Decorative
  • Finished area below ground: 0
  • Finished area above ground: 1,349

Heating & Cooling

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

Interior Area

  • Total structure area: 1,892
  • Total interior livable area: 1,349 sqft

Kitchen

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Laundry

  • Level: Basement
  • Area: 660
  • Dimensions: 30x22

Living Room

  • Level: Main
  • Area: 165
  • Dimensions: 11x15

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 260197000
  • Zoning description: Residential-Single Family
  • Foundation area: 552

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Enclosed,Front Porch,Rear Porch
  • Fencing: None

Lot

  • Lot size: 7,840 sqft
  • Features: Corner Lot
  • Lot size dimensions: 124 x 60

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Asphalt,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Hail
Strong Wind
Winter Weather

FEMA Declared Disasters in Fillmore 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 $1,264$15,168
Home Insurance *$199$2,388
Property Taxes $303$3,636
Electricity $170$2,050
Total$1,936$23,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,377/yr
40% on housing$58,080/yr
45% on housing$51,626/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 4.2%
4.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 55923$169
Fillmore County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 55923$172
Fillmore County$146

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
2026-06-17Listed for sale$250,000
2019-03-08Sold$100,000

For Sale by Agent

AgentJen Ringenberg
BrokerageEdina Realty, Inc.

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