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43453 105th Ave, Holdingford, MN, 56340

3beds
3baths
3,376sqft
$649,900
$193price/sqft
$4,184/moest. monthly cost
$167,360/yrincome needed

About This Home

Well-maintained home with numerous updates—this property truly has it all! Featuring three same-floor bedrooms, an open-concept layout, and thoughtful upgrades throughout. Arrive via the convenient circular driveway, offering great curb appeal, plus an additional driveway providing easy access to the backyard shed. Step inside to an inviting open living, kitchen, and dining area. The living room showcases a large picture window that brings in abundant natural light and scenic views. The newly renovated kitchen features custom cabinetry, upgraded full-size appliances, and modern finishes—allowing you to enjoy a move-in-ready home without the hassle of renovations. The spacious dining area includes a walkout to the deck, perfect for entertaining. The main floor also offers a laundry area, a ¾ bathroom serving two bedrooms, and generously sized bedrooms throughout. The oversized primary suite includes a walk-in closet and a private full bathroom. The lower level features a large family room, an additional ¾ bathroom, and a utility room. The attached garage is conveniently accessible from the lower level. Enjoy outdoor living with a covered porch and hot tub. The impressive 40x80 accessory building includes finished floors, a ½ bathroom, and a 20x80 finished lean-to—ideal for hobbies, storage, or a workshop. Situated on 10 private acres with abundant wildlife and plenty of room to roam, this property offers the perfect blend of privacy and convenience—just a short distance from town.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
5/10
Holdingford SecondaryGrades 7-126.7 mi

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Architectural Shingle,Asphalt
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

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

Bedroom

  • Level: Main
  • Area: 280
  • Dimensions: 14x20

Bedroom2

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Bedroom3

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 252
  • Dimensions: 14x18

Family Room

  • Level: Main
  • Area: 510
  • Dimensions: 15x34

Family Room

  • Level: Basement
  • Area: 510
  • Dimensions: 15x34

Features

  • Finished area below ground: 1,600
  • Finished area above ground: 1,688

Flex Room

  • Level: Lower
  • Area: 90
  • Dimensions: 6x15

Heating & Cooling

  • Heating features: Boiler,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,376
  • Total interior livable area: 3,376 sqft

Kitchen

  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Living Room

  • Level: Main
  • Area: 360
  • Dimensions: 20X18

Utility Room

  • Level: Lower
  • Area: 260
  • Dimensions: 13x20

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04018050000
  • Zoning description: Residential-Single Family
  • Foundation area: 1688

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Porch

Lot

  • Lot size: 10 Acres
  • Lot size dimensions: TBD

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather
Wildfire

FEMA Declared Disasters in Stearns 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 $3,286$39,432
Home Insurance *$393$4,716
Property Taxes $221$2,652
Electricity $284$3,416
Total$4,184$50,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,451/yr
40% on housing$125,520/yr
45% on housing$111,573/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 56340$121
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56340$126
Stearns County$148

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
2026-04-27Price change$675,000
2026-04-04Listed for sale$699,999
2026-03-18Listing removed--
2026-03-05Price change$762,500
2026-02-19Listed for sale$799,250

For Sale by Agent

AgentAmy Legatt
BrokerageRE/MAX Results

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