See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

39568 569th St, Zumbro Falls, MN, 55991

3beds
3baths
1,728sqft
$639,900
$370price/sqft
$4,073/moest. monthly cost
$162,920/yrincome needed

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

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

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
    HailVery High
  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Cold Wave
Winter Weather
Drought
Ice Storm
Landslide
Lightning

FEMA Declared Disasters in Wabasha 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 $3,235$38,820
Home Insurance *$309$3,708
Property Taxes $359$4,308
Electricity $170$2,050
Total$4,073$48,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$139,645/yr
40% on housing$122,190/yr
45% on housing$108,613/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$370This listing

vs Other Active Listings

Avg $/sqft

ZIP 55991$161
Wabasha County$258

vs Homes Sold Last Month

Median $/sqft

ZIP 55991$310
Wabasha County$162

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

DateEventPrice
2026-05-05Listed for sale$650,000

For Sale by Agent

AgentRobin Gwaltney
BrokerageRe/Max Results

Similar Homes