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438 9th St, Cloquet, MN, 55720

5beds
2baths
1,924sqft
$249,955
$130price/sqft
$1,897/moest. monthly cost
$75,880/yrincome needed

About This Home

Step into the timeless charm of this classic Foursquare-style home situated on a spacious double city lot in the heart of Cloquet. Offering five bedrooms and two bathrooms, this home provides plenty of space for a growing family, remote work, hobbies, or guests. The inviting covered front porch welcomes you inside, where you'll find original character throughout, including beautiful hardwood floors, built-ins, and a stunning wood staircase. The main level features a spacious living room, formal dining room, kitchen with room for a dining table, a convenient bedroom or den, and a three-quarter bath. Upstairs you'll find four generously sized bedrooms and a second three-quarter bath complete with a charming clawfoot tub. Outside, enjoy the benefits of maintenance-free vinyl siding, updated vinyl windows, lilac bushes, a paved driveway, and an oversized 2+ stall heated garage with plenty of room for vehicles, storage, or workshop space. A rear mudroom entry provides convenient access from the garage to the home. The full unfinished basement offers abundant storage and future possibilities. Located close to schools, shopping, restaurants, and other Cloquet amenities, this property combines historic character, functional living space, and an excellent location. Bring your ideas and make this classic Cloquet home your own.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

7/10
6/10
Cloquet Middle SchoolGrades 5-80.7 mi
8/10
Cloquet SeniorGrades 9-120.6 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1910

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt Shingle
  • Construction materials: Vinyl,Frame/Wood,Other - See Remarks

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Utility Room,Washer Hook-Ups,Dryer Hook-Ups

Bedroom

  • Level: Upper
  • Area: 90
  • Dimensions: 9 x 10

Bedroom

  • Level: Upper
  • Area: 99
  • Dimensions: 9 x 11

Bedroom

  • Level: Upper
  • Area: 99
  • Dimensions: 9 x 11

Bedroom

  • Level: Upper
  • Area: 110
  • Dimensions: 10 x 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • 3/4 bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 180
  • Dimensions: 12 x 15

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,924

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,924 sqft

Kitchen

  • Level: Main
  • Area: 143
  • Dimensions: 11 x 13

Living Room

  • Level: Main
  • Area: 182
  • Dimensions: 13 x 14

Master Bedroom

  • Level: Main
  • Area: 130
  • Dimensions: 10 x 13

Property

Details

  • Parcel number: 060330600 & 060330560
  • Foundation area: 962

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 130 x 100

Parking

  • Total spaces: 2
  • Parking features: Detached,Electrical Service,Heat,Slab
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Carlton 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 $1,263$15,156
Home Insurance *$160$1,920
Property Taxes $304$3,648
Electricity $170$2,050
Total$1,897$22,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,040/yr
40% on housing$56,910/yr
45% on housing$50,586/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 55720$157
Carlton County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 55720
Carlton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-15Pending sale$249,955
2026-08-05Contingent$249,955
2026-07-14Price change$249,955
2026-07-06Price change$259,900
2026-06-23Price change$269,900
2026-06-08Listed for sale$284,900

For Sale by Agent

AgentJeremiah Snesrud
BrokerageRed Fox Real Estate

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