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4491 Birchwood Dr, Hermantown, MN, 55811

2beds
1baths
1,120sqft
$35,000
$31price/sqft
$541/moest. monthly cost
$21,640/yrincome needed

About This Home

Large dinning area, open bright kitchen, ALL new doors, new carpet, new flooring planks, new window trim, approx. 2018 roof, 2015 furnace, 2022 insulated skirting and touch up underbelly, new vents, new toilet, new light fixtures. 2 nice size bedrooms, master has woods view, 1 bath w/2 sinks, w/d hookups, wood burning fire place, a small bonus room nice for playroom or hobby space/office/indoor storage, etc. Clean. 2 sheds, off street private parking, covered patio. Located behind Northern Tool in Bullyans Mobile Estates, lot rent $535.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

8/10
Hermantown Middle SchoolGrades 5-82.0 mi
10/10
8/10

Construction

Condition

  • Year built: 1979

Materials

  • Roof: Shake / Shingle
  • Construction materials: Wood

Type & Style

  • Home type: MobileManufactured

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Tile,Carpet,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,120 sqft

Property

Details

  • Parcel number: 395000002611

Features

  • Exterior features: Wood

Parking

  • Total spaces: 2
  • Parking features: Off-street

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

  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
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 $176$2,112
Home Insurance *$177$2,124
Property Taxes $18$216
Electricity $170$2,050
Total$541$6,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$18,548/yr
40% on housing$16,230/yr
45% on housing$14,426/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$31This listing

vs Other Active Listings

Avg $/sqft

ZIP 55811$207
St. Louis County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 55811
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-06-30Price change$35,000
2026-06-07Listed for sale$42,000

For Sale by Owner

Agentkay whelan

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