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16062 County Road 3, Ellendale, MN, 56026

4beds
4baths
4,303sqft
$800,000
$186price/sqft
$5,627/moest. monthly cost
$225,080/yrincome needed

About This Home

There's something refreshing about coming home to a place where the noise fades away. Set on more than 4.8 acres along a quiet tar road, this custom built 2015 home offers the space, quality, and efficiency, all less than 20 minutes from both Owatonna and Albert Lea. Offering over 4,300 finished square feet, 4+ bedrooms, 4 bathrooms, and 2,463 square feet on the main level, this home is designed for both everyday living and entertaining. Large windows capture the surrounding countryside and fill the home with natural light throughout the day. The kitchen features granite countertops and soft close cabinetry, a level of craftsmanship that continues into the bathrooms and laundry room. Wide 36-inch doorways, ceiling fans in every bedroom, and thoughtful finishes throughout make the home comfortable and functional. The main level primary suite includes a spacious walk-in closet, soaking tub, and tiled walk-in shower. Downstairs, the oversized family room offers plenty of room to spread out, while the private 4th bedroom, full bathroom, and walk-in closet create an ideal space for guests or extended family. Built with efficiency in mind, the home includes geothermal heating, solar panels, insulated vinyl siding, and Deco metal shingles built to last. Step outside to the maintenance free deck and gorgeous patio where there's plenty of room to relax, entertain, or simply enjoy the wide-open setting and changing seasons. The attached three stall garage offers entry from both the main level and lower level, making daily life that much more convenient. It also features in-floor heat supplied by an on-demand boiler and includes an electric vehicle charging station. Need even more space? The additional detached three stall garage provides plenty of room for extra vehicles, recreational toys, hobbies, or workshop space. This is the kind of home that offers room to breathe, quality that stands the test of time, and a setting you'll look forward to coming home to every day.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
Nrheg Elementary SchoolGrades PK-52.0 mi
5/10
Nrheg SecondaryGrades 6-1211.9 mi

Construction

Condition

  • Year built: 2015

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Egress Window(s),Full,Partially Finished,Sump Pump

Bedroom

  • Level: Main
  • Area: 232
  • Dimensions: 16x14.5

Bedroom2

  • Level: Main
  • Area: 162
  • Dimensions: 12x13.5

Bedroom3

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

Bedroom4

  • Level: Basement
  • Area: 271.25
  • Dimensions: 15.5x17.5

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Basement
  • Area: 279.5
  • Dimensions: 21.5x13

Dining Room

  • Level: Main
  • Area: 258
  • Dimensions: 21.5x12

Family Room

  • Level: Basement
  • Area: 525
  • Dimensions: 30x17.5

Features

  • Finished area below ground: 1,840
  • Finished area above ground: 2,463

Foyer

  • Level: Main
  • Area: 157.5
  • Dimensions: 10.5x15

Heating & Cooling

  • Heating features: Boiler,Forced Air,Geothermal,In-Floor Heating
  • Cooling features: Central Air,Geothermal

Interior Area

  • Total structure area: 4,926
  • Total interior livable area: 4,303 sqft

Kitchen

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Laundry

  • Level: Main
  • Area: 85
  • Dimensions: 10x8.5

Living Room

  • Level: Main
  • Area: 315
  • Dimensions: 17.5x18

Mud Room

  • Level: Main
  • Area: 79.75
  • Dimensions: 5.5x14.5

Office

  • Level: Basement
  • Area: 255.75
  • Dimensions: 16.5x15.5

Primary Bathroom

  • Level: Main
  • Area: 165
  • Dimensions: 16.5x10

Property

Accessibility

  • Accessibility features: Doors 36"+

Details

  • Parcel number: 020324201
  • Zoning description: Agriculture
  • Foundation area: 2463

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Composite Decking,Front Porch,Patio,Porch
  • Fencing: None

Lot

  • Lot size: 4.83 Acres
  • Lot size dimensions: 370 x 570

Parking

  • Total spaces: 6
  • Parking features: Attached,Detached Garage,Gravel,Electric Vehicle Charging Station(s),Floor Drain,Garage,Garage Door Opener,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6
  • 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 WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $4,045$48,540
Home Insurance *$764$9,168
Property Taxes $456$5,472
Electricity $362$4,355
Total$5,627$67,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$192,925/yr
40% on housing$168,810/yr
45% on housing$150,053/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 56026$100
Steele County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 56026$132
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
2026-08-07Price change$760,000
2026-07-22Listed for sale$800,000
2012-09-20Sold$74,000
2012-08-07Listed for sale$79,900
2012-06-14Listing removed$79,900
2012-06-02Listed for sale$79,900
2011-12-19Sold$283,088

For Sale by Agent

AgentJennifer Fielding
BrokerageeXp Realty

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