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47802 Xylophone Rd, Garrison, MN, 56450

2beds
1baths
1,056sqft
$200,000
$189price/sqft
$1,477/moest. monthly cost
$59,080/yrincome needed

About This Home

Great starter home with 2 bedrooms on the main level and a full bath. Hardwood flooring in the kitchen dining and entryway. Freshly painted and new carpet in 1 of bedrooms. Newer pressure tank, has sump pump and drain tiled. Electric heat and water heater. Used the wood stove to supplement heat source. Centerpoint gas is available to hook up off of Hwy #169 if they want to pay for the connection to the home, centerpoint only covers the 1st 100 feet,the buyer would be responsible for the remaining hook up cost to the home. Sold "As Is" Close to Mille Lacs Lake for great fishing, boating and restaurant's in the area to enjoy. Golf course near by and the Grand Casino Mille lacs, with a grocery store, spa, movie theater and dining. Lower level is unfinished and was designed for a tuck-under garage. There is room to add an additional bath, two bedrooms and a family room. Huge yard has room for a new garage and/or pole barn for all of your toys. Septic system is non- compliant, tank is good drain field failed will need a new mound system. Pricing of this property reflects the septic update listed below Real market value on taxes. Listing agent is related to the sellers.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

2/10
3/10
Onamia High SchoolGrades 7-1213.9 mi
--
Onamia Primary SchoolGrades PK-213.9 mi

Construction

Condition

  • Year built: 1978

Materials

  • Roof: Age Over 8 Years,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave,Range
  • Laundry features: In Basement,Electric Dryer Hookup,Lower Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Drain Tiled,Egress Window(s),Sump Basket,Sump Pump,Unfinished,Walk-Out Access

Bathroom

  • Level: Main
  • Area: 60.06
  • Dimensions: 7.7x7.8

Bedroom

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Bedroom2

  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Area: 106
  • Dimensions: 10x10.6

Features

  • Fireplace features: Free Standing,Wood Burning,Wood Burning Stove
  • Finished area below ground: 0
  • Finished area above ground: 1,056

Heating & Cooling

  • Heating features: Baseboard,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,056
  • Total interior livable area: 1,056 sqft

Kitchen

  • Level: Main
  • Area: 81
  • Dimensions: 9x9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 099630280
  • Zoning description: Residential-Single Family
  • Foundation area: 1056

Features

  • Levels: One
  • Stories: 1
  • Fencing: Chain Link

Lot

  • Lot size: 3.74 Acres
  • Features: Tree Coverage - Heavy
  • Lot size dimensions: 148 x 270 x 339 x 400 x 435

Parking

  • Parking features: Gravel,Driveway - Other Surface
  • Has uncovered spaces: Yes

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Hail
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Mille Lacs 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 $1,011$12,132
Home Insurance *$137$1,644
Property Taxes $159$1,908
Electricity $170$2,050
Total$1,477$17,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,640/yr
40% on housing$44,310/yr
45% on housing$39,386/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 56450$113
Mille Lacs County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 56450$236
Mille Lacs County$189

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
2026-04-07Price change$235,000
2026-02-17Price change$240,000
2025-10-20Listed for sale$250,000
2018-12-28Sold$137,500
2018-11-19Pending sale$137,500
2018-07-10Price change$137,500
2018-05-17Listed for sale$139,900
2010-07-20Sold$107,500

For Sale by Agent

AgentVivian Ringold
BrokerageEdina Realty, Inc.

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