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45620 Grand Ave, Harris, MN, 55032

4beds
2baths
2,368sqft
$699,000
$295price/sqft
$4,664/moest. monthly cost
$186,560/yrincome needed

About This Home

This home has an amazing private setting with almost 75 acres of ideal habitat for wildlife and all your animals! Currently being used as a hobby farm for chickens and other large birds, this property would be ideal for cows and horses or whatever you would like to raise! 24X32 insulated garage, 40X70 pole shed and 54X28 barn provide lots of storage room for you stuff and or animals. If privacy is important to you then look no farther, this home is hidden from the road and has wonderful views of the front yard pond and back yard open pasture area backed up by nice mature woods. The exterior of the home has new siding and roofing, the inside is ready for your updating ideas. Giant stone, wood burning fireplace in the walkout basement heats the home very well! LOCATION LOCATION LOCATION!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10
6/10
Rush City SecondaryGrades 7-125.6 mi

Construction

Condition

  • Year built: 1976

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 1,184

Heating & Cooling

  • Heating features: Baseboard,Fireplace(s),Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,368
  • Total interior livable area: 2,368 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 140008100
  • Zoning description: Residential-Single Family
  • Foundation area: 1184

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 74.70 Acres
  • Lot size dimensions: 1320 x 2500

Parking

  • Total spaces: 4
  • Parking features: Detached Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Chisago 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 $3,534$42,408
Home Insurance *$450$5,400
Property Taxes $481$5,772
Electricity $199$2,396
Total$4,664$55,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,908/yr
40% on housing$139,920/yr
45% on housing$124,373/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$295This listing

vs Other Active Listings

Avg $/sqft

ZIP 55032$191
Chisago County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 55032$244
Chisago County$213

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
2026-05-06Listed for sale$745,000

For Sale by Agent

AgentLuke Hegge
BrokerageLocal Realty Inc.

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