




39568 569th St, Zumbro Falls, MN, 55991
About This Home
Welcome to this beautifully maintained one level home set on 3.2 private acres, surrounded by mature trees and a peaceful, wooded setting. Built in 2015, this ranch style home offers a functional layout with comfortable living spaces and thoughtful features throughout. The main living area is open and inviting, featuring warm wood ceilings, abundant natural light, and a cozy fireplace that anchors the space. The kitchen offers ample hickory cabinetry, a center island with seating, and flows easily into the dining and living areas. The home includes 3 bedrooms and 2 bathrooms, with a spacious primary suite featuring a private ensuite bath. In-floor hot water heat runs throughout the home, patio, and outbuilding, providing consistent comfort year round. An expansive covered porch provides a great extension of the home, offering a comfortable place to relax and take in the natural surroundings. A standout feature of the property is the impressive finished outbuilding, completed in 2020. This versatile space includes a large oversized garage along with two finished rooms, a ¾ bath, kitchenette with sink, solid walnut countertop, and 4 burner stove, and. Heating and cooling are already in place, making it well suited for a variety of uses including workspace, recreation space, hobby room, or private retreat. Site work has been completed, offering a prepared site for a future 40 x 100 shed. The property also includes shared ownership with Harbo Hills residents of 2.75 acres along the water, featuring approximately 75 feet of beachfront, a picnic shelter, and space for storing boats and watercraft. This unique setup offers the benefit of water access while maintaining the privacy of a wooded setting. Located in the country yet within convenient reach of Rochester, this property offers a rare combination of space, privacy, and flexibility.
Getting Around
Schools
Construction
Condition
- Year built: 2013
Materials
- Roof: Age Over 8 Years,Asphalt,Pitched
- Construction materials: Concrete
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,ENERGY STAR Qualified Appliances,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
- Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink
Basement
- Basement: None
Bathroom
- Level: Main
Bedroom
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 2
Dining Room
- Level: Main
Features
- Number of fireplaces: 1
- Fireplace features: Gas,Insert,Living Room,Stone
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,728
Heating & Cooling
- Heating features: Forced Air,Hot Water,In-Floor Heating
- Cooling features: Central Air
Interior Area
- Total structure area: 1,728
- Total interior livable area: 1,728 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Primary Bathroom
- Level: Main
Property
Accessibility
- Accessibility features: Doors 36"+,Hallways 42"+,Door Lever Handles,No Stairs External,No Stairs Internal
Details
- Parcel number: R170030260
- Zoning description: Residential-Single Family
- Other equipment: Fuel Tank - Owned
- Foundation area: 1728
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Front Porch,Patio
Lot
- Lot size: 3.20 Acres
- Features: Irregular Lot,Tree Coverage - Heavy
- Lot size dimensions: Irregular
Parking
- Total spaces: 2
- Parking features: Detached Garage,Gravel,Floor Drain,Garage,Garage Door Opener,Heated Garage,Insulated Garage,RV Access/Parking,Storage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Cold Wave
- Winter Weather
- Drought
- Ice Storm
- Landslide
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Wabasha 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 | $3,235 | $38,820 |
| Home Insurance * | $309 | $3,708 |
| Property Taxes | $359 | $4,308 |
| Electricity | $170 | $2,050 |
| Total | $4,073 | $48,876 |
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 |
|---|---|---|
| 2026-05-05 | Listed for sale | $650,000 |
