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1208 4th Ave N, Wheaton, MN, 56296

4beds
2baths
2,352sqft
$175,000
$74price/sqft
$1,643/moest. monthly cost
$65,720/yrincome needed

About This Home

2 bedrooms upstairs. 1 bedroom in basement with a potential second bedroom (egress window needed) connected by a walk-in closet. An office space located in the basement. Large laundry rom is located upstairs. 1 car attached and 2 car detached garages. Exterior redone in 2017 including all new windows. New LP furnace in 2016 and new central air unit in 2020. Lifetime warranty water heater replaced in 2016. New sewer line in 2017. Lots of storage throughout the home. Dry basement.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

6/10
Pearson Elementary SchoolGrades PK-50.4 mi
7/10
Wheaton SecondaryGrades 6-120.7 mi

Construction

Condition

  • Year built: 1961

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Range / Oven,Refrigerator

Basement

  • Basement: Finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Propane / Butane
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,352 sqft

Property

Details

  • Parcel number: 230711000

Features

  • Exterior features: Vinyl

Parking

  • Parking features: Garage - Attached,Garage - Detached,On-street

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
Lightning
Tornado

FEMA Declared Disasters in Traverse 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 $884$10,608
Home Insurance *$367$4,404
Property Taxes $194$2,328
Electricity $198$2,380
Total$1,643$19,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,331/yr
40% on housing$49,290/yr
45% on housing$43,813/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$74This listing

vs Other Active Listings

Avg $/sqft

ZIP 56296$132
Traverse County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 56296
Traverse County$69

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
2026-08-14Pending sale$175,000
2026-07-13Listed for sale$175,000

For Sale by Owner

AgentProperty Owner

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