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446 Pacific Ave, Hancock, MN, 56244

2beds
2baths
1,325sqft
$369,000
$278price/sqft
$2,656/moest. monthly cost
$106,240/yrincome needed

About This Home

Enjoy the benefits of a custom-built home without having to wait for it to be built! Constructed in 2024 by Lakes Country Builders, this 1325 sq ft slab on grade, one level home is not only comfortable but efficient! Upon entering you can’t help but notice that the 9' ceilings add to this home’s overall spacious feel. In the well-appointed kitchen you will find that it has all the luxuries - custom cabinets, granite counters, divided farmhouse sink, custom range hood, large format backsplash tile, pot filler, stainless steel appliances, 6' butcher block island that seats four and a pantry with sliding door. The adjoining dining nook allows for additional table seating. The attractive living room fireplace wall provides not only storage and display areas but also space for a TV and an auxiliary heat source is provided by the electric fireplace. The primary suite is a spacious and well-lit get away with room for the largest of beds. You will love the large walk-in closet which provides ample storage space. The primary bath features tile floor and backsplash, custom vanity and linen storage and an awesome 6’ Onyx low entry shower. A second bedroom/office occupies the “addition” on the opposite side of the home. There is also a second bath with shower for family and guests. Laundry hook-ups are located near the back door. A combination boiler provides endless hot water and wonderful in floor heating. (If you’ve never experienced it before, you will love it!) Keep cool in the summer months with the ductless mini-split units which are very energy efficient. All doors are 36”, easy care vinyl plank flooring throughout the home except for the bedroom which has carpet. Outside is a 16’ x 20’ concrete patio and sidewalk to the 20’ x 24’ detached garage. The lawn is established, and the landscaping is done making this home completely turn-key! Stop by and take a look!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

10/10
Hancock Elementary SchoolGrades PK-60.3 mi
8/10
Hancock Sec.Grades 7-120.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Tankless Water Heater,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bathroom

  • Level: Main
  • Area: 78
  • Dimensions: 13 x 6

Bathroom

  • Level: Main
  • Area: 60
  • Dimensions: 10 x 6

Bedroom

  • Level: Main
  • Area: 247
  • Dimensions: 13 x 19

Bedroom2

  • Level: Main
  • Area: 156
  • Dimensions: 12 x 13

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 64
  • Dimensions: 8 x 8

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,325

Foyer

  • Level: Main
  • Area: 77
  • Dimensions: 14 x 5.5

Heating & Cooling

  • Heating features: Boiler,Ductless Mini-Split,Fireplace(s)
  • Cooling features: Ductless Mini-Split

Interior Area

  • Total structure area: 1,325
  • Total interior livable area: 1,325 sqft

Kitchen

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

Living Room

  • Level: Main
  • Area: 240
  • Dimensions: 12 x 20

Walk In Closet

  • Level: Main
  • Area: 104
  • Dimensions: 13 x 8

Property

Accessibility

  • Accessibility features: Doors 36"+,Door Lever Handles

Details

  • Parcel number: 210202000
  • Zoning description: Residential-Single Family
  • Foundation area: 1325

Features

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

Lot

  • Lot size: 10,497 sqft
  • Lot size dimensions: 75 x 140

Parking

  • Total spaces: 1.5
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5

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
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Stevens 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 $1,865$22,380
Home Insurance *$391$4,692
Property Taxes $230$2,760
Electricity $170$2,050
Total$2,656$31,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,062/yr
40% on housing$79,680/yr
45% on housing$70,826/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: 13.2%
13.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 8.6%
8.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 56244$106
Stevens County$93

vs Homes Sold Last Month

Median $/sqft

ZIP 56244
Stevens County$87

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
2026-03-10Listed for sale$385,000
2025-11-25Listing removed$399,000
2025-03-14Listed for sale$399,000

New Construction

AgentSonia Kannegiesser-Boser
BrokeragePrairie Real Estate

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