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406 E Ciro St, Truman, MN, 56088

4beds
2baths
1,324sqft
$126,000
$95price/sqft
$1,131/moest. monthly cost
$45,240/yrincome needed

About This Home

This 4-bedroom, 2-bath home offers a convenient layout with a main-level primary bedroom and laundry. The living room features large windows that fill the space with natural light, while the eat-in kitchen is perfect for everyday meals. Three additional bedrooms upstairs provide great closet space! A detached garage adds extra storage and the fenced in yard is great for pets and kids—don’t miss out on this home!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

6/10
Truman Elementary SchoolGrades PK-60.1 mi
6/10
Truman SecondaryGrades 7-120.1 mi

Construction

Condition

  • Year built: 1905

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom

  • Level: Main
  • Area: 36
  • Dimensions: 6x6

Bathroom

  • Level: Upper
  • Area: 63
  • Dimensions: 9x7

Bedroom

  • Level: Main
  • Area: 182
  • Dimensions: 13x14

Bedroom2

  • Level: Upper
  • Area: 130
  • Dimensions: 10x13

Bedroom3

  • Level: Upper
  • Area: 154
  • Dimensions: 11x14

Bedroom4

  • Level: Upper
  • Area: 90
  • Dimensions: 9x10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 70
  • Dimensions: 7x10

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,324

Foyer

  • Level: Main
  • Area: 72
  • Dimensions: 6x12

Foyer

  • Level: Main
  • Area: 42
  • Dimensions: 7x6

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,964
  • Total interior livable area: 1,324 sqft

Kitchen

  • Level: Main
  • Area: 90
  • Dimensions: 9x10

Laundry

  • Level: Main
  • Area: 140
  • Dimensions: 10x14

Living Room

  • Level: Main
  • Area: 196
  • Dimensions: 14x14

Utility Room

  • Level: Basement
  • Area: 210
  • Dimensions: 14x15

Utility Room

  • Level: Basement
  • Area: 357
  • Dimensions: 17x21

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 412500020
  • Zoning description: Residential-Single Family
  • Foundation area: 640

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Fencing: Chain Link

Lot

  • Lot size: 0.33 Acres
  • Features: Tree Coverage - Light
  • Lot size dimensions: 0.326 Acres

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Hail
    HailVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Drought
    DroughtRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $637$7,644
Home Insurance *$178$2,136
Property Taxes $146$1,752
Electricity $170$2,050
Total$1,131$13,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,777/yr
40% on housing$33,930/yr
45% on housing$30,160/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

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 56088$72
Martin County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 56088$70
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
2026-06-26Price change$126,000
2026-03-26Price change$134,000
2026-01-05Listed for sale$139,000
2023-08-23Sold$130,000
2023-07-27Pending sale$140,000
2023-07-03Listed for sale$140,000
2023-04-25Listing removed--
2023-02-15Listed for sale$160,000
2021-12-27Sold$88,000
2021-11-02Pending sale$97,000
2021-10-20Listed for sale$97,000
2021-10-19Pending sale$97,000
2021-10-07Price change$97,000
2021-09-04Listed for sale$99,900

For Sale by Agent

AgentVonnie Cone
BrokerageRE/MAX TOTAL REALTY

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