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20811 Ocean Rd, Janesville, MN, 56048

6beds
5baths
4,253sqft
$789,900
$186price/sqft
$5,092/moest. monthly cost
$203,680/yrincome needed

About This Home

Exceptional 6 bedroom, 5 bathroom home on 16 acres, plus an additional 16 acres of restored prairie and wetland, offering the perfect blend of country living, modern updates, and endless possibilities. From the moment you arrive, you'll appreciate the maintenance-free steel siding, new roof (2022), expansive wraparound porch, and beautifully designed outdoor living spaces. Inside, the spacious floor plan is ideal for everyday living and entertaining. The recently finished walkout lower level with 9-foot ceilings features a large family room, wet bar, additional bedroom, full bath with walk-in shower, and abundant storage. Updated windows and four newer patio doors fill the home with natural light while providing seamless access to the outdoors. Outside, enjoy the 16' x 32' above-ground pool with pool shed, 7-person Hot Spring saltwater hot tub, multiple concrete patios, fire pit, screened porch, mature landscaping, and poured concrete landscape edging. A spiral staircase conveniently connects the walkout patio to the pool deck and front porch. The spacious primary suite offers a large walk-in closet and oversized walk-in shower. The main level also includes laundry, a mudroom with built-in lockers, office space, and an attached 3-car garage. The property is equally impressive outside with a barn featuring water and electricity, three fenced pastures with direct barn access, a pole shed with concrete floor and electricity, two wetland ponds, and 16 acres of restored native prairie creating exceptional wildlife habitat for nature lovers and hunters alike. A unique bonus is the finished salon space with its own bathroom, patio, and beautiful koi pond. Whether you envision a mother-in-law suite, home office, studio, game room, man cave, or small business, this flexible space offers endless opportunities. This remarkable property delivers the space, privacy, and versatility to live, work, entertain, and enjoy the outdoors, all in one extraordinary setting.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1920

Materials

  • Roof: Asphalt,Metal
  • Construction materials: Frame/Wood,ICFs (Insulated Concrete Forms),Steel Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Freezer,Microwave,Range,Refrigerator,Washer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Egress Windows,Finished,Walk-Out Access,Concrete,Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 1
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 2

Dining Room

  • Features: Combine with Living Room

Features

  • Ceiling Fan(s),Eat-In Kitchen,Hot Tub,Natural Woodwork,Walk-In Closet(s),Bath Description: 3/4 Basement,Full Primary,Main Floor 1/2 Bath,Main Floor 3/4 Bath,Main Floor Full Bath,Private Primary,Main Floor Bedrooms
  • Flooring: Hardwood
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 994
  • Finished area above ground: 3,259

Heating & Cooling

  • Heating features: Fireplace(s),Forced Air,Geothermal,Propane - Tank Rented
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,253
  • Total interior livable area: 4,253 sqft

Property

Details

  • Parcel number: R391024300005
  • Other equipment: Fuel Tank-Rented
  • Foundation area: 994

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Above Ground,Outdoor Pool
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Hot Tub,Water Feature

Lot

  • Lot size: 32.10 Acres
  • Features: Irregular Lot,Landscaped
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 8
  • Parking features: Gravel,Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 8
  • Covered spaces: 8

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
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Drought
Heat Wave
Tornado

FEMA Declared Disasters in Blue Earth 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 $3,994$47,928
Home Insurance *$200$2,400
Property Taxes $540$6,480
Electricity $358$4,304
Total$5,092$61,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,582/yr
40% on housing$152,760/yr
45% on housing$135,786/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 56048$112
Blue Earth County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 56048
Blue Earth County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-29Listed for sale$789,900
2026-07-27Listing removed$799,900
2026-07-17Listed for sale$799,900
2026-07-16Listing removed$855,000
2026-06-14Price change$855,000
2026-05-26Listed for sale$889,900
2017-09-01Sold$87,012

For Sale by Agent

AgentChad Ziemke
BrokerageCentury 21 Atwood

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