25020 Gull Ln, Winona, MN, 55987
About This Home
Welcome to river living! Enjoy your own piece of Mississippi River paradise with this charming 2 bedroom home offering the perfect combination of comfort, convenience, and a peaceful waterfront setting. Whether you’re searching for a year-round residence, weekend getaway, or investment opportunity, this property delivers the lifestyle buyers dream about. Relax and take in the river views, watch the wildlife, enjoy fishing and boating, or simply unwind surrounded by nature. Conveniently located just minutes from Winona and La Crosse, you’ll love having a quiet retreat without giving up everyday conveniences. A rare opportunity to own along the Mississippi River plus the neighboring riverfront parcel is also available, creating even more possibilities for additional space, privacy, or future plans.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1986
Materials
- Roof: Age Over 8 Years,Asphalt,Pitched
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Freezer,Gas Water Heater,Range,Refrigerator,Stainless Steel Appliance(s),Washer
- Laundry features: In Basement,Electric Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Crawl Space,Partial,Storage Space,Sump Pump,Unfinished
Bedroom
- Level: Upper
- Area: 144
- Dimensions: 12x12
Bedroom2
- Level: Main
- Area: 144
- Dimensions: 12x12
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 80
- Dimensions: 10x8
Features
- Number of fireplaces: 1
- Fireplace features: Brick,Circulating,Gas,Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,400
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,400
- Total interior livable area: 1,400 sqft
Kitchen
- Level: Main
- Area: 225
- Dimensions: 15x15
Living Room
- Level: Main
- Area: 336
- Dimensions: 14x24
Sitting Room
- Level: Upper
- Area: 192
- Dimensions: 16x12
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 110003630
- Zoning description: Residential-Single Family
- Foundation area: 1000
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Deck,Wrap Around
- Fencing: Chain Link,Privacy
- Has view: Yes
- View description: East,River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: Dock,River Front,Waterfront Elevation(26-40)
- Frontage length: Water Frontage: 160
- Topography of land: High Ground,Level
Lot
- Lot size: 0.57 Acres
- Features: Accessible Shoreline
- Lot size dimensions: 0 x 0
Parking
- Parking features: Asphalt
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
- Inland Flooding
- Cold Wave
- Hail
- Tornado
- Winter Weather
- Heat Wave
- Landslide
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Winona County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,654 | $31,848 |
| Home Insurance * | $426 | $5,112 |
| Property Taxes | $306 | $3,672 |
| Electricity | $170 | $2,050 |
| Total | $3,556 | $42,672 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-03 | Listed for sale | $525,000 |
View on Zillow