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23797 Highway 43, Winona, MN, 55987

5beds
2baths
3,300sqft
$645,000
$195price/sqft
$4,356/moest. monthly cost
$174,240/yrincome needed

About This Home

Beautiful valley setting on ten plus acres. Over $300,000 worth of improvements including adding a very large addition to the house (1,200 sq ft added). We remodeled the house and added two large buildings (the buildings and the garages combined make enough floor space for about 20 cars.). One of the biggest and best kitchens found anywhere in Winona County. Extra large bay window. Large flat yard for easy mowing. Big garden with raspberries and rhubarb. Pond and waterfall. Only three miles from Winona. We raised horses, cattle, ducks and chickens. We had as many as 53 turkeys in our yard at the same time. Deal directly with the owners. We are old and tired. Come out and make an offer. You might just get it for less than the true market value. So much more than just a house in the country.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

2/10
Winona Middle SchoolGrades 5-83.7 mi
6/10
Winona Senior High SchoolGrades 9-123.8 mi
3/10

Construction

Condition

  • Year built: 1939

Materials

  • Roof: Shake / Shingle
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Heating & Cooling

  • Heating features: Forced air,Propane / Butane
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,300 sqft

Property

Details

  • Parcel number: 180001400

Features

  • Exterior features: Vinyl
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 10 Acres

Parking

  • Parking features: Garage - Attached,Garage - Detached

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
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • 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 Winona 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 $3,261$39,132
Home Insurance *$523$6,276
Property Taxes $294$3,528
Electricity $278$3,339
Total$4,356$52,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,348/yr
40% on housing$130,680/yr
45% on housing$116,160/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: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 55987$135
Winona County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 55987$149
Winona County$152

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)

No zestimate history available

Price History

DateEventPrice
2026-05-07Listed for sale$775,000

For Sale by Owner

AgentProperty Owner

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