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2651 Century Pine Ln NE, Rochester, MN, 55906

4beds
3baths
2,821sqft
$590,000
$209price/sqft
$4,264/moest. monthly cost
$170,560/yrincome needed

About This Home

Located on a quiet cul-de-sac just minutes from Mayo Clinic and Quarry Hill Nature Center, this new construction home offers a thoughtfully designed, airy minimalist style with functional living in mind. The open-concept main level is anchored by a standout kitchen featuring a large island ideal for gathering and prep, complemented by a second workstation with the sink and dishwasher set along an exterior wall overlooking the backyard—creating a highly efficient and practical layout. The dining area opens to a 13x12 covered back porch—perfect for relaxing and grilling. Enjoy 3 bedrooms on one level. A private primary suite with a walk-in closet and inviting bathroom featuring dual sinks, a private toilet room, and a floor-to-ceiling tiled walk-in shower with natural light. The finished lower level adds flexibility with a large walkout living room, a private bedroom next to the bathroom. A laundry room with sink and storage makes laundry days a breeze. The insulated and heated 2-car garage includes a double-deep bay—perfect for a 3rd vehicle, workshop, or additional storage.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

7/10
8/10
4/10
Kellogg Middle SchoolGrades 6-81.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Concrete,Frame

Other

  • Builder name: ERH CONSTRUCTION INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,ENERGY STAR Qualified Appliances,Humidifier,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Lower Level,Laundry Room,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Daylight,Drain Tiled,Drainage System,Finished,Full,Concrete,Storage Space,Sump Basket,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 224
  • Dimensions: 14x16

Bedroom2

  • Level: Main
  • Area: 168
  • Dimensions: 12x14

Bedroom3

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Bedroom4

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

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 192
  • Dimensions: 12x16

Family Room

  • Level: Lower
  • Area: 399
  • Dimensions: 19x21

Features

  • Finished area below ground: 1,044
  • Finished area above ground: 1,777

Heating & Cooling

  • Heating features: Forced Air,Humidifier,Zoned
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 2,821
  • Total interior livable area: 2,821 sqft

Kitchen

  • Level: Main
  • Area: 160
  • Dimensions: 10x16

Laundry

  • Level: Lower
  • Area: 91
  • Dimensions: 7x13

Living Room

  • Level: Main
  • Area: 285
  • Dimensions: 19x15

Mud Room

  • Level: Lower
  • Area: 48
  • Dimensions: 8x6

Other

  • Level: Main
  • Area: 36
  • Dimensions: 6x6

Patio

  • Level: Main
  • Area: 156
  • Dimensions: 12x13

Walk In Closet

  • Level: Main
  • Area: 60
  • Dimensions: 6x10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 733043082317
  • Zoning description: Residential-Single Family
  • Foundation area: 1044

Features

  • Levels: Multi/Split
  • Patio & porch: Covered,Front Porch

Lot

  • Lot size: 9,583 sqft
  • Features: Near Public Transit,Cleared,Infill Lot,Sod Included in Price
  • Lot size dimensions: 77 x 158 x 70 x 121

Parking

  • Total spaces: 3
  • Parking features: Concrete,Electric,Floor Drain,Garage,Garage Door Opener,Heated Garage,Insulated Garage,Storage,Tuckunder 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Winter Weather
Hail
Strong Wind

FEMA Declared Disasters in Olmsted 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 $2,983$35,796
Home Insurance *$296$3,552
Property Taxes $748$8,976
Electricity $237$2,855
Total$4,264$51,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,194/yr
40% on housing$127,920/yr
45% on housing$113,706/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$209This listing

vs Other Active Listings

Avg $/sqft

ZIP 55906$167
Olmsted County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 55906$178
Olmsted County$177

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
2026-03-19Listed for sale$590,000
2025-12-31Listing removed$82,900
2024-12-27Price change$82,900
2023-12-28Price change$77,900
2023-02-02Price change$72,900
2022-10-18Price change$76,900
2021-09-01Listed for sale$73,900

New Construction

AgentJennifer Lawver
BrokerageElcor Realty of Rochester Inc.

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