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109 Main St NW, Bethel, MN, 55005

2beds
1baths
756sqft
$210,000
$278price/sqft
$1,517/moest. monthly cost
$60,680/yrincome needed

About This Home

Welcome to the charming and quite town of bethel this one is a must see over 110 years or charm and character built into this home! Total remodel on this one includes stone countertops, refinished hardwood floors and new flooring throughout, fully painted interior and exterior new stainless appliances. Top features includes two car garage, front porch, high ceilings, right in town, large closets, lots of character. Ready to move in! you don't wanna miss this one!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
5/10
8/10
St. Francis High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1910

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 756

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 756
  • Total interior livable area: 756 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 253424410045
  • Zoning description: Residential-Single Family
  • Foundation area: 756

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: 25 x 140

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Anoka 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 $1,061$12,732
Home Insurance *$134$1,608
Property Taxes $152$1,824
Electricity $170$2,050
Total$1,517$18,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,011/yr
40% on housing$45,510/yr
45% on housing$40,453/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 55005$195
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55005$171
Anoka County$194

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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$210,000
2026-07-01Listed for sale$210,000
2024-03-25Listing removed--
2024-03-04Listed for rent$900
1998-02-19Sold$25,000

For Sale by Agent

AgentSteve Koleno
BrokerageBeycome Brokerage Realty LLC

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