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411 S Center St, Ceylon, MN, 56121

5beds
5baths
2,564sqft
$170,000
$66price/sqft
$1,946/moest. monthly cost
$77,840/yrincome needed

About This Home

Room to Breathe. Space to Live. A Place That Feels Like Home the Moment You Arrive. Some houses check boxes. This one opens doors — literally and figuratively. Ceylon, MN is the kind of town that earns its reputation. Every year, people come from throughout the state and surrounding area for the Community Day Auction — multiple auction rings running all day, rummage sales lining the streets, the whole town alive with energy. This year marked the 91st annual event. That's not a small thing. That's a community that shows up for itself — and has for nearly a century. This is the kind of place you put down roots - and this property is ready for roots. Tucked on a generous corner lot at the edge of town, this substantial 2-story home greets you with mature cherry and apple trees, established grapevines, and the kind of quiet that only comes with a small-town address that still has something going on. There's an outdoor kennel, a partially fenced yard, and space enough to exhale. Step inside and the first thing you notice is the room. A generous main-level living room flows through French doors into the dining room — a layout built for Sunday dinners, holiday gatherings, and everything in between. The kitchen is ready to work, with newer appliances and a workspace that won't leave you crowded. A dedicated office makes working from home actually workable. A ceramic-tiled laundry room and five bathrooms mean the daily logistics of a busy household just work. Flexibility is woven into every floor. The main level offers two additional rooms ideal for guests, a playroom, or a studio — whatever your life calls for right now. Upstairs, three bedrooms with hardwood floors carry that timeless warmth you can't manufacture, plus an additional flexible room for hobbies or overflow. In the basement, a large walk-in tile shower anchors the space, which also features a built-in storm shelter because peace of mind matters out here, too. The oversized 2-car garage with pull-down attic storage means there's a place for everything — tools, gear, seasonal items, and all the good overflow that a full life accumulates. This is a home that grows with you. In a town that's been growing for 91 years. Come see it. Some things you just have to experience in person.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
Fairmont Elementary SchoolGrades PK-612.1 mi
6/10
Fairmont High SchoolGrades 7-1211.6 mi

Construction

Condition

  • Year built: 1918

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Poured Concrete,Stick Built

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Microwave,Range/Stove,Refrigerator,Oven,Washer,Electric Water Heater,Water Softener Rented
  • Laundry features: Main Level,Washer/Dryer Hkups

Basement

  • Has basement: Yes
  • Basement: Egress Windows,Finished-Partial,Full

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bathroom3

  • Level: Lower

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 2
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Main

Bonus Room

  • Level: Lower

Bonus Room

  • Level: Lower

Bonus Room

  • Level: Upper

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Natural Woodwork,Walk-In Closet(s)
  • Window features: Window Coverings
  • Flooring: Hardwood,Tile
  • Finished area below ground: 600
  • Finished area above ground: 1,964
  • Common walls with other units/homes: No Common Walls

Foyer

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,732
  • Total interior livable area: 2,564 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Upper

Master Bedroom

  • Level: Upper

Office

  • Level: Main

Property

Accessibility

  • Accessibility features: No Stairs External

Details

  • Parcel number: 210601130
  • Other equipment: Fuel Tank-Rented

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Partial

Lot

  • Lot size: 0.26 Acres
  • Features: Corner Lot,Paved,Wooded
  • Lot size dimensions: 75.1 x 150

Parking

  • Total spaces: 2
  • Parking features: Concrete,Attached,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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Strong Wind
Tornado
Drought
Inland Flooding

FEMA Declared Disasters in Martin 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 $859$10,308
Home Insurance *$730$8,760
Property Taxes $141$1,692
Electricity $216$2,595
Total$1,946$23,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,720/yr
40% on housing$58,380/yr
45% on housing$51,893/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$66This listing

vs Other Active Listings

Avg $/sqft

ZIP 56121
Martin County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 56121$27
Martin County$120

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
2026-05-12Price change$179,500
2025-11-24Listed for sale$185,000
2021-05-27Sold$116,000
2021-04-16Pending sale$119,900
2021-04-12Listed for sale$119,900

For Sale by Agent

AgentTracey Radcliffe
BrokerageEXIT Realty Midwest

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