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4515 County Road 4, Mahtowa, MN, 55707

3beds
3baths
2,030sqft
$610,000
$300price/sqft
$3,966/moest. monthly cost
$158,640/yrincome needed

About This Home

Discover single-level luxury on 5 private acres in this brand-new 2025 custom home. Featuring 3 bedrooms, 2.25 baths, and a remarkable 4-car heated attached garage, this residence perfectly blends contemporary design with country living. The open floor plan flows effortlessly with natural light illuminating every corner. At the heart of the home, stunning black walnut kitchen cabinetry creates a warm, sophisticated gathering space for family and friends. Car enthusiasts will love the heated 4-car garage equipped with a dedicated car wash bay and EV charging station—modern convenience meets sustainable living. The private primary suite offers a peaceful sanctuary with a spa-inspired ensuite featuring a spacious walk-in shower designed for ultimate relaxation. Generous covered porches and patios extend your living space outdoors, perfect for enjoying morning coffee or evening entertaining while taking in serene views of your expansive property. With no stairs, abundant natural light , and 5 acres of possibilities, this move-in-ready home offers the complete package. Schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Barnum Elementary SchoolGrades PK-67.1 mi
9/10
Barnum SecondaryGrades 7-127.2 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2025

Materials

  • Roof: Metal
  • Construction materials: Other,Steel Siding,Wood,Frame/Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater-Electric,Dishwasher,Dryer,Exhaust Fan,Range,Refrigerator,Washer
  • Laundry features: Main Level,Dryer Hook-Ups,Washer Hookup

Basement

  • Basement: N/A

Bedroom

  • Level: Main
  • Area: 208.8212
  • Dimensions: 13.94 x 14.98

Bedroom

  • Level: Main
  • Area: 152.9892
  • Dimensions: 10.92 x 14.01

Bedroom

  • Level: Main
  • Area: 212.67
  • Dimensions: 13.9 x 15.3

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Vaulted Ceilings,Walk-In Closet(s)
  • Door features: Patio Door
  • Finished area below ground: 0
  • Finished area above ground: 2,030

Heating & Cooling

  • Heating features: Boiler,In Floor Heat,Propane
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 2,030 sqft

Kitchen

  • Level: Main
  • Area: 190.0515
  • Dimensions: 12.85 x 14.79

Living Room

  • Level: Main
  • Area: 664.6015
  • Dimensions: 20.17 x 32.95

Property

Accessibility

  • Accessibility features: No Stairs External,No Stairs Internal

Details

  • Parcel number: 880285195
  • Foundation area: 2500

Features

  • Patio & porch: Patio

Lot

  • Lot size: 5 Acres
  • Lot size dimensions: 495 x 440

Parking

  • Total spaces: 2
  • Parking features: Gravel,Attached,Drains,Electrical Service,Heat,Insulation,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 $3,084$37,008
Home Insurance *$170$2,040
Property Taxes $541$6,492
Electricity $171$2,054
Total$3,966$47,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,977/yr
40% on housing$118,980/yr
45% on housing$105,760/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

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 55707$215
Carlton County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 55707
Carlton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-13Price change$625,000
2025-11-10Price change$630,000
2025-10-08Listed for sale$640,000
2022-01-12Sold$55,000
2021-12-08Pending sale$89,000
2021-11-29Price change$89,000
2021-11-26Listed for sale$99,000

For Sale by Agent

AgentNorma Jean Jofs
BrokerageNext Door Realty

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