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608 Elm St N, Kimball, MN, 55353

2beds
2baths
2,240sqft
$309,999
$138price/sqft
$2,338/moest. monthly cost
$93,520/yrincome needed

About This Home

Welcome to this 2024-built walk-out rambler offering modern construction with a classic layout! This 2 bed, 2 bath property is set on nearly 1/2 acre and features a spacious yard with an in-ground sprinkler system and beautiful sunrise views. The layout offers comfortable, well-defined living spaces that feel both practical and inviting. The main floor laundry offers everything on one level, and the unfinished basement provides endless possibilities for future growth. A blacktop driveway leads to the finished garage, perfect for year-round use.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
Kimball Elementary SchoolGrades PK-50.9 mi
9/10
Kimball SecondaryGrades 6-120.7 mi

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Dryer,Range,Refrigerator,Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Block,Drainage System,Full,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 108
  • Dimensions: 12x9

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,120

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,240
  • Total interior livable area: 2,240 sqft

Kitchen

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Living Room

  • Level: Main
  • Area: 238
  • Dimensions: 17x14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 60344290018
  • Zoning description: Residential-Single Family
  • Foundation area: 1120

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.41 Acres
  • Lot size dimensions: 300 x 100 x 290 x 40

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage,Insulated 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,567$18,804
Home Insurance *$220$2,640
Property Taxes $363$4,356
Electricity $188$2,267
Total$2,338$28,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,160/yr
40% on housing$70,140/yr
45% on housing$62,346/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

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 55353$149
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 55353$161
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
2026-03-28Listed for sale$319,900
2025-05-23Sold$290,000
2025-05-21Pending sale$299,900
2025-02-11Listed for sale$299,900
2025-02-11Listing removed$299,900
2024-09-05Price change$299,900
2024-03-11Listed for sale$306,900
2021-11-24Sold$27,900
2021-10-05Pending sale$27,900
2021-05-26Listed for sale$27,900
2021-03-08Listing removed--
2021-01-04Price change$22,000
2020-10-23Listed for sale$20,000

For Sale by Agent

AgentSteven Merten
BrokerageColdwell Banker Realty

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