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5174 Ridgeway Rd NW, Rochester, MN, 55901

4beds
3baths
2,273sqft
$435,000
$191price/sqft
$3,120/moest. monthly cost
$124,800/yrincome needed

About This Home

Unique Ranch style home! This charmer has so much to offer: Covered front porch, 4 bedrooms, 3 baths, primary suite with private bath and walk-in closet, open floor plan, kitchen center island, main floor laundry, 6 panel solid core doors throughout, and a beautiful pan vault ceiling in the great room. Many updates including: HVAC, vinyl plank flooring in living room, dining room, kitchen and hall, carpet on main level and lower level, finished lower level family room with wet bar, several windows replaced, and a great-sized composite deck with stairs to backyard. Lots of storage space throughout home! Sheetrocked, insulated & heated 3 car garage. Walking distance to city park and schools. Close to the Douglas Trail and school bus stop. Easy access to downtown.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

3/10
Dakota Middle SchoolGrades 6-80.2 mi

Construction

Condition

  • Year built: 2010

Materials

  • Foundation: Wood
  • Roof: Age Over 8 Years
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Drain Tiled,Egress Window(s),Finished,Full,Storage Space,Sump Basket,Sump Pump

Bathroom

  • Level: Main

Bathroom

  • Level: Lower

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

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

Deck

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Finished area below ground: 1,067
  • Finished area above ground: 1,206

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,392
  • Total interior livable area: 2,273 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bathroom

  • Level: Main

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 740711075903
  • Zoning description: Residential-Single Family
  • Foundation area: 1850

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch,Porch

Lot

  • Lot size: 10,454 sqft
  • Features: Corner Lot
  • Lot size dimensions: 80 x 130

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Garage Door Opener,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters in Olmsted 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 $2,199$26,388
Home Insurance *$248$2,976
Property Taxes $482$5,784
Electricity $191$2,300
Total$3,120$37,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,971/yr
40% on housing$93,600/yr
45% on housing$83,200/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 55901$149
Olmsted County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 55901$175
Olmsted County$177

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
2026-08-10Pending sale$435,000
2026-07-27Price change$435,000
2026-07-10Listed for sale$450,000
2018-07-30Listing removed$255,000
2018-07-30Listed for sale$255,000
2018-07-27Sold$256,000
2018-06-18Pending sale$255,000
2018-06-08Listed for sale$255,000
2010-08-12Sold$212,000
2010-03-24Sold$40,000

For Sale by Agent

AgentWilliam Doran
BrokerageElcor Realty of Rochester Inc.

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