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1325 Iris Ln, Saint Joseph, MN, 56374

3beds
2baths
1,728sqft
$515,000
$298price/sqft
$3,804/moest. monthly cost
$152,160/yrincome needed

About This Home

This one-of-a-kind patio home is thoughtfully designed for comfortable one-level living with no steps & features in-floor heat, 3 bedrooms, 2 bathrooms, & a spacious 3-stall garage. The exterior showcases maintenance-free steel siding accented by a luxurious stone front, along with a concrete driveway, sidewalk & front porch for lasting curb appeal. Inside, the welcoming front entry offers a built-in bench with hooks for coats and guests’ belongings, plus convenient storage with a hall closet and dedicated broom/vacuum cabinet. The kitchen features a center island with quartz countertops, custom knotty alder cabinetry, stainless steel appliances, and a walk-in pantry complete with built-in counter space for small appliances. The dining area flows seamlessly into the covered screened porch and adjoining concrete patio, creating the perfect setup for indoor and outdoor entertaining, while the inviting living room is highlighted by a stunning floor-to-ceiling stone electric fireplace. Guests will appreciate the full bathroom, while the private owner’s suite offers a spacious walk-in closet and a spa-inspired en-suite with a roll-in tiled shower & dual-sink vanity. The laundry/mudroom includes a washer and dryer, utility sink, abundant cabinetry, and an additional bench/hooks for everyday convenience, along with a walk-in closet that also doubles as a secure safe room. The insulated garage includes a floor drain and professionally power-troweled concrete floors, while outside you’ll enjoy a fully seeded yard, in-ground sprinkler system, & landscaping—all included with this exceptional brand-new home!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Kennedy Community SchoolGrades PK-92.3 mi
3/10
Apollo Senior High SchoolGrades 9-124.5 mi
3/10
North Junior High SchoolGrades 6-85.4 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Age 8 Years or Less,Asphalt

Other

  • Builder name: KLEIN BUILDERS INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: None

Bedroom

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Bedroom2

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Bedroom3

  • Level: Main
  • Area: 130
  • Dimensions: 10x13

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 110
  • Dimensions: 10x11

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,728

Heating & Cooling

  • Heating features: In-Floor Heating
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,728
  • Total interior livable area: 1,728 sqft

Kitchen

  • Level: Main
  • Area: 188.5
  • Dimensions: 13x14.5

Laundry

  • Level: Main
  • Area: 76
  • Dimensions: 8x9.5

Living Room

  • Level: Main
  • Area: 301
  • Dimensions: 21.5x14

Patio

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

Screened Porch

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

Property

Accessibility

  • Accessibility features: No Stairs External,No Stairs Internal,Roll-In Shower

Details

  • Parcel number: 84537360077
  • Zoning description: Residential-Single Family
  • Foundation area: 1728

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Patio,Rear Porch,Screened

Lot

  • Lot size: 0.27 Acres
  • Lot size dimensions: 73 x 166 x 51 x 172

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Floor Drain,Garage Door Opener,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

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

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather
Inland Flooding

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 $2,604$31,248
Home Insurance *$354$4,248
Property Taxes $676$8,112
Electricity $170$2,050
Total$3,804$45,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,422/yr
40% on housing$114,120/yr
45% on housing$101,440/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

$298This listing

vs Other Active Listings

Avg $/sqft

ZIP 56374$156
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56374$159
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
2026-05-21Listed for sale$515,000

New Construction

AgentWendy Loso
BrokerageCentral MN Realty LLC

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