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118 Somerville Ave, Morgan, MN, 56266

3beds
3baths
3,339sqft
$249,000
$75price/sqft
$2,010/moest. monthly cost
$80,400/yrincome needed

About This Home

Step into this immaculate, turn-of-the-century home where timeless charm meets modern comfort! Starting with the refinished enclosed front porch, you’ll be drawn into a space that blends historic character with thoughtful updates throughout - including detailed original woodwork, hardwood floors, pocket doors, stained glass windows, an open staircase, built-ins, as well as updated flooring, paint, bathrooms, and much more. The main level features spacious living and dining areas, a remodeled kitchen, a main level laundry room/bathroom, and a huge breezeway with a built-in sitting area that connects directly to the attached double garage - rare for a home of this era. All three bedrooms are on the second level, including the primary bedroom, which features a separate sitting area with a fireplace and an adjoining 3/4 bathroom. The finished third floor adds even more versatility—featuring brand-new carpet, it’s ideal as a fourth bedroom, office, playroom, or cozy retreat. The exterior has been very well-maintained as well, with newer shingles, beautiful landscaping, a large brick patio off of the breezeway, a play set area, and a detached garage/shop with alley access - all situated on a large corner lot with great shade coverage! Don’t miss your chance to own a piece of architectural beauty that’s been thoughtfully updated for today’s living!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
Cedar Mountain SecondaryGrades 6-120.2 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator,Water Softener Owned
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Primary Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,917

Heating & Cooling

  • Heating features: Hot Water
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 3,339
  • Total interior livable area: 3,339 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 862000020
  • Zoning description: Residential-Single Family
  • Foundation area: 1415

Features

  • Levels: More Than 2 Stories
  • Patio & porch: Patio

Lot

  • Lot size: 0.31 Acres
  • Features: Corner Lot,Tree Coverage - Medium
  • Lot size dimensions: 100 x 140

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
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Redwood 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 $1,259$15,108
Home Insurance *$192$2,304
Property Taxes $278$3,336
Electricity $281$3,379
Total$2,010$24,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,914/yr
40% on housing$60,300/yr
45% on housing$53,600/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 6.2%
6.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$75This listing

vs Other Active Listings

Avg $/sqft

ZIP 56266
Redwood County$88

vs Homes Sold Last Month

Median $/sqft

ZIP 56266
Redwood County$123

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)

No zestimate history available

Price History

DateEventPrice
2026-04-21Price change$268,500
2025-10-04Price change$279,500
2025-08-05Listed for sale$298,000
2002-07-01Sold$100,000

For Sale by Agent

AgentAmanda Frank
BrokerageReiner Real Estate

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