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349 13th St SW, Owatonna, MN, 55060

4beds
3baths
2,072sqft
$315,000
$152price/sqft
$2,349/moest. monthly cost
$93,960/yrincome needed

About This Home

Welcome to this beautifully updated one-story home in desirable SW Owatonna! Offering the ease of main-level living, this property features a double attached garage, a spacious deck for outdoor enjoyment, and a low-maintenance, permanent exterior. Step inside and prepare to be impressed?the interior has been completely transformed to deliver a true ?like-new? feel. The stunning, brand-new kitchen shines with modern finishes, New appliances, updated cabinetry, and excellent workspace, making it the heart of the home. Fresh flooring, stylish fixtures, and thoughtfully selected finishes flow seamlessly throughout. With four bedrooms and three remodeled bathrooms, there?s room for everyone. The highly sought-after layout includes three bedrooms on one level, providing both convenience and functionality. If you've been searching for a move-in-ready home that combines today?s updates with an established neighborhood setting, this amenity-filled property checks every box. Your search ends here!

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

3/10
Wilson Elementary SchoolGrades PK-50.9 mi
5/10
8/10

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Age Over 8 Years,Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Dryer,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: In Basement,Gas Dryer Hookup,In Hall,Lower Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Egress Window(s),Finished,Full

Bedroom

  • Level: Main
  • Area: 151.96
  • Dimensions: 13.1 x 11.6

Bedroom2

  • Level: Main
  • Area: 127.4
  • Dimensions: 13 x 9.8

Bedroom3

  • Level: Main
  • Area: 79.8
  • Dimensions: 9.5 x 8.4

Bedroom4

  • Level: Lower
  • Area: 108.29
  • Dimensions: 11.9 x 9.1

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 57.232
  • Dimensions: 11.2 x 5.11

Family Room

  • Level: Lower
  • Area: 370.98
  • Dimensions: 22.9 x 16.2

Features

  • Finished area below ground: 1,012
  • Finished area above ground: 1,036

Heating & Cooling

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

Interior Area

  • Total structure area: 2,072
  • Total interior livable area: 2,072 sqft

Kitchen

  • Level: Main
  • Area: 117.16
  • Dimensions: 11.6 x 10.10

Living Room

  • Level: Main
  • Area: 201.091
  • Dimensions: 18.10 x 11.11

Recreation Room

  • Level: Lower
  • Area: 155.52
  • Dimensions: 14.4 x 10.8

Storage

  • Level: Lower
  • Area: 77.28
  • Dimensions: 9.2 x 8.4

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 170162415
  • Zoning description: Residential-Single Family
  • Foundation area: 1036

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 10,672 sqft
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 82 x 131

Parking

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Winter Weather

FEMA Declared Disasters in Steele 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 $1,592$19,104
Home Insurance *$240$2,880
Property Taxes $343$4,116
Electricity $174$2,097
Total$2,349$28,188
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,537/yr
40% on housing$70,470/yr
45% on housing$62,640/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 55060$142
Steele County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 55060$145
Steele County$128

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
2026-05-01Listed for sale$326,900
2025-12-12Sold$200,000
2025-11-25Pending sale$235,000
2025-09-25Listed for sale$235,000
2020-03-20Sold$172,000
2020-01-31Pending sale$177,900
2019-12-23Listed for sale$177,900

For Sale by Agent

AgentRebecca M. Hermanson-Hill
BrokerageBerkshire Hathaway HomeServices Advantage Real Estate

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