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417 Harriet St S, Stillwater, MN, 55082

3beds
2baths
1,756sqft
$475,000
$271price/sqft
$3,310/moest. monthly cost
$132,400/yrincome needed

About This Home

Well-maintained duplex located in a desirable Stillwater neighborhood just 5 blocks from historic downtown and 7 blocks from the St. Croix River. This two-unit property offers excellent owner-occupant or investment potential with strong rental income opportunities. Recent updates include refreshed exterior siding and new windows, insulation in attic and rim joist, providing added value and peace of mind. Enjoy a beautiful backyard that offers plenty of space for relaxing, entertaining, or gardening. Conveniently located near shops, restaurants, parks, and riverfront attractions.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

9/10
8/10
Stillwater Middle SchoolGrades 6-80.6 mi
10/10

Construction

Condition

  • Year built: 1882

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex Up and Down

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Other,Storage Space,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,756

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,736
  • Total interior livable area: 1,756 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2803020340071
  • Zoning description: Residential-Multi-Family
  • Foundation area: 980

Features

  • Levels: Two

Lot

  • Lot size: 7,492 sqft
  • Lot size dimensions: 50 x 150

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Lightning
Winter Weather

FEMA Declared Disasters in Washington 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 $2,401$28,812
Home Insurance *$272$3,264
Property Taxes $467$5,604
Electricity $170$2,050
Total$3,310$39,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,485/yr
40% on housing$99,300/yr
45% on housing$88,266/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: 11.6%
11.6%
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

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 55082$230
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55082$219
Washington County$201

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
2026-08-05Listed for sale$475,000
2015-07-22Sold$197,000
2015-06-18Pending sale$199,900
2015-06-06Listed for sale$199,900
2004-10-19Sold$234,900
2002-08-02Sold$192,000

For Sale by Agent

AgentBradley Knospe
BrokerageEdina Realty, Inc.

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