220 W Hill St, Vergas, MN, 56587
About This Home
Move-in ready 4 bed, 2 bath home built in 2010 and located just outside the charming community of Vergas, this home provides a comfortable layout with plenty of space to relax and entertain. The main level features a bright living area, large kitchen and access to a wrap-around deck. With 2 bedrooms on the main level and 2 additional bedrooms in the finished walkout lower level, the layout provides flexibility and functionality. The lower level also includes a spacious family room, laundry area, and excellent storage. Enjoy the private backyard featuring a patio with retaining wall and storage shed. The detached 2-stall garage includes a 50 amp wall charger with hardwired conduit- ideal for electric vehicle charging. Just minutes from Vergas, approximately 15 minutes to Detroit Lakes and 10 minutes to Frazee, with easy access to lakes, recreation, shopping, and dining. Located in the Frazee School District with bus routes nearby for Detroit Lakes, Perham, and Pelican Rapids (buyer to verify enrollment and transportation with districts). Listing agent is related to seller. Some photos may have seasonal digital enhancements.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2010
Materials
- Roof: Age Over 8 Years
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Lower Level
Basement
- Has basement: Yes
- Basement: Block,Daylight,Egress Window(s),Finished,Full,Concrete,Storage Space,Walk-Out Access
Bathroom
- Level: Main
Bathroom
- Level: Lower
Bedroom
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Lower
Bedroom4
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Deck
- Level: Main
Dining Room
- Level: Main
Family Room
- Level: Lower
Features
- Finished area below ground: 800
- Finished area above ground: 1,092
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,184
- Total interior livable area: 2,184 sqft
Kitchen
- Level: Main
Laundry
- Level: Lower
Living Room
- Level: Main
Patio
- Level: Lower
Storage
- Level: Lower
Utility Room
- Level: Lower
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 82000990132000
- Zoning description: Residential-Single Family
- Foundation area: 1092
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.37 Acres
- Features: Irregular Lot
- Lot size dimensions: Irregular
Parking
- Total spaces: 2
- Parking features: Detached Garage,Asphalt,Electric,Other
- 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
- Winter Weather
- Cold Wave
- Inland Flooding
- Strong Wind
- Tornado
- Hail
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Otter Tail 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 | $1,663 | $19,956 |
| Home Insurance * | $135 | $1,620 |
| Property Taxes | $221 | $2,652 |
| Electricity | $184 | $2,210 |
| Total | $2,203 | $26,436 |
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 |
|---|---|---|
| 2026-03-31 | Price change | $339,900 |
| 2026-03-20 | Listed for sale | $349,900 |
| 2022-05-23 | Sold | $255,000 |
| 2022-05-19 | Pending sale | $255,000 |
| 2022-04-06 | Contingent | $255,000 |
| 2022-03-19 | Listed for sale | $255,000 |
| 2022-03-18 | Contingent | $255,000 |
| 2022-03-04 | Listed for sale | $255,000 |
| 2015-06-15 | Sold | $144,000 |
| 2015-05-05 | Pending sale | $139,000 |
| 2015-04-10 | Listed for sale | $139,000 |
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