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100 Schwinghammer Dr, Albany, MN, 56307

4beds
3baths
3,160sqft
$475,000
$150price/sqft
$3,163/moest. monthly cost
$126,520/yrincome needed

About This Home

Don’t miss this opportunity to own a beautifully designed home currently under construction! This thoughtfully planned residence offers the perfect blend of comfort, functionality, and style. The main floor features 2 spacious bedrooms, including a luxurious primary suite complete with a large walk-in closet, dual vanities, and a custom-tiled shower. The open-concept great room offers ample space for relaxing or entertaining, seamlessly flowing into a gourmet kitchen with a generous center island and an expansive walk-in pantry—perfect for all your storage needs. Convenience is key with a mudroom featuring a built-in bench and locker system, a walk-in closet, and a main-floor laundry room equipped with a wash tub. Quartz countertops are planned for the kitchen and all bathrooms. Downstairs, you'll find a massive family room ideal for gatherings, two additional oversized bedrooms, a versatile flex room for storage, office, or hobby space, and a well-appointed 3/4 bath. The 3-car garage adds even more storage options for vehicles, tools, or outdoor gear.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
Albany Elementary SchoolGrades PK-50.6 mi
6/10
10/10
Albany Senior High SchoolGrades 9-120.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Laundry Room,Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

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

Bedroom2

  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Bedroom3

  • Level: Lower
  • Area: 208
  • Dimensions: 16x13

Bedroom4

  • Level: Lower
  • Area: 182
  • Dimensions: 13x14

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 112
  • Dimensions: 14x8

Family Room

  • Level: Lower
  • Area: 416
  • Dimensions: 26x16

Features

  • Finished area below ground: 1,404
  • Finished area above ground: 1,580

Flex Room

  • Level: Lower
  • Area: 392
  • Dimensions: 28x14

Foyer

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

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,160
  • Total interior livable area: 3,160 sqft

Kitchen

  • Level: Main
  • Area: 196
  • Dimensions: 14x14

Laundry

  • Level: Main
  • Area: 63
  • Dimensions: 9x7

Living Room

  • Level: Main
  • Area: 306
  • Dimensions: 17x18

Mud Room

  • Level: Main
  • Area: 54
  • Dimensions: 9x6

Utility Room

  • Level: Lower
  • Area: 200
  • Dimensions: 20x10

Walk In Closet

  • Level: Main
  • Area: 42
  • Dimensions: 7x6

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 40256550084
  • Zoning description: Residential-Single Family
  • Foundation area: 1580

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio
  • Fencing: None

Lot

  • Lot size: 1.01 Acres
  • Features: Corner Lot,Tree Coverage - Light
  • Lot size dimensions: 98 x 161 x 149 x 140

Parking

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

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

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
Lightning

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 $2,401$28,812
Home Insurance *$358$4,296
Property Taxes $138$1,656
Electricity $266$3,198
Total$3,163$37,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,445/yr
40% on housing$94,890/yr
45% on housing$84,346/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

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 56307
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56307$167
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)

No zestimate history available

Price History

DateEventPrice
2025-06-03Listed for sale$550,000
2024-08-29Listing removed--
2024-07-15Listed for sale$55,000

New Construction

AgentNeil Theisen
BrokerageCentral MN Realty LLC

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