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100 Stony Creek Cir, Mankato, MN, 56001

4beds
2baths
3,012sqft
$459,000
$152price/sqft
$3,075/moest. monthly cost
$123,000/yrincome needed

About This Home

Tucked into a peaceful rural setting on the edge of Mankato, this charming 1977 ranch-style home offers the perfect blend of vintage character, functional space, and scenic surroundings. Set on a beautiful ravine lot, the property is filled with natural beauty and a sense of privacy that’s hard to find. Inside, you’ll find 4 bedrooms, 2 bathrooms, and a warm, inviting layout full of timeless charm. Both formal and informal dining areas adorn the main level as well as generous kitchen with endless cabinetry. There is an incredibly spacious living room where there could possibly be a future fireplace between the two east facing windows. The lower level family room features a cozy wood-burning fireplace with a striking stone accent surround, and an entire wall of built in display shelving; creating the perfect room for relaxing evenings at home. This room also boasts a walkout patio door to the exterior patio for additional entertaining space while offering easy access to the backyard and surrounding landscape. Storage is abundant throughout the home, with room for all your extras both inside and out. enthusiasts, hobbyists, or anyone needing additional workspace will appreciate the attached double garage plus an additional detached double garage. A brand-new septic system adds peace of mind and value for years to come. If you’ve been searching for a home with character, space, and a picturesque country feel just minutes from town, this one is a must-see.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10
8/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1977

Materials

  • Roof: Asphalt
  • Construction materials: Frame/Wood,Metal Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Range,Refrigerator,Washer,Gas Water Heater,Water Softener Owned
  • Laundry features: Washer/Dryer Hookups

Basement

  • Has basement: Yes
  • Basement: Daylight/Lookout Windows,Egress Windows,Finished,Walk-Out Access,Block,Full

Bedroom

  • Level: Main
  • Area: 143

Bedroom1

  • Level: Main
  • Area: 143

Bedroom2

  • Level: Main
  • Area: 110

Bedroom3

  • Level: Lower
  • Area: 143

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Dining Room

  • Features: Eat-in Kitchen,Formal Dining Room,2nd Kitchen
  • Level: Main
  • Area: 110

Family Room

  • Level: Lower
  • Area: 322

Features

  • Bath Description: 3/4 Basement,Main Floor Full Bath,Main Floor Bedrooms,3+ Same Floor Bedrooms(L)
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 950
  • Finished area above ground: 1,506

Heating & Cooling

  • Heating features: Fireplace(s),Radiant,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,456
  • Total interior livable area: 3,012 sqft

Kitchen

  • Level: Main
  • Area: 110

Living Room

  • Level: Main
  • Area: 234

Property

Details

  • Parcel number: R43.09.30.326.011
  • Foundation area: 1506

Features

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

Lot

  • Lot size: 2.46 Acres
  • Features: Landscaped,Ravine,Tree Coverage - Medium,Paved
  • Lot size dimensions: 0

Parking

  • Total spaces: 4
  • Parking features: Asphalt,Attached,Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Winter Weather
Drought
Tornado

FEMA Declared Disasters in Blue Earth 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 $2,320$27,840
Home Insurance *$201$2,412
Property Taxes $300$3,600
Electricity $254$3,048
Total$3,075$36,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,428/yr
40% on housing$92,250/yr
45% on housing$82,000/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
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 56001$137
Blue Earth County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 56001
Blue Earth County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-14Listed for sale$459,000

For Sale by Agent

AgentMICHELLE STARKEY
BrokerageTrue Real Estate

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