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1168 Us Highway 14, Elkton, MN, 56149

3beds
4baths
3,249sqft
$749,900
$231price/sqft
$6,750/moest. monthly cost
$270,000/yrincome needed

About This Home

Welcome to this premier acreage listing set on 6.39 +/- acres. Built in 2003 and in pristine, move-in-ready condition, this well-cared-for property offers 1,756 sq ft of above-grade living space, 1,435 sq ft of finished basement, beautiful views, and quality finishes throughout. The living room features large windows, hardwood floors, and a gas fireplace, while the kitchen offers Cambria countertops. Tile floors run through the entryway and primary bathroom, and the primary bedroom features hardwood floors. The walk-out lower level includes a family room with a second gas fireplace and 263 sq ft of unfinished space for storage. This premier property offers 3 legal bedrooms plus a lower-level room currently used as a bedroom (non-conforming, no closet) and 3.75 bathrooms. Comfort features include geothermal heating and cooling with forced air, in-floor heat in the basement, garage, and primary bathroom, heated gutters, and rural water. Outdoor amenities set this acreage apart, including a new 1,200 sq ft attached deck (October 2025) with new concrete below, a 168 sq ft wraparound porch, a 1,076 sq ft finished 3-stall garage, and a heated 64x64 machine shed with a gas heater installed in fall 2024. Recent improvements include new exterior house paint and a freshly seal-coated driveway (June 2026). This premier acreage offers privacy, functionality, pride of ownership throughout, and is on an oil road. Schedule your private showing today to experience everything this exceptional property has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

10/10
--
Lake Benton SecondaryGrades 7-127.2 mi

Construction

Condition

  • Year built: 2003

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch with Walk Out
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 3,249
  • Total interior livable area: 3,249 sqft

Property

Details

  • Parcel number: 150026000

Features

  • Stories: 1

Lot

  • Lot size: 6.39 Acres

Parking

  • Parking features: Garage - Attached

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 WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Hail
Heat Wave
Inland Flooding
Ice Storm
Strong Wind
Tornado
Drought

FEMA Declared Disasters in Lincoln 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 $3,791$45,492
Home Insurance *$2,334$28,008
Property Taxes $351$4,212
Electricity $274$3,288
Total$6,750$81,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$231,428/yr
40% on housing$202,500/yr
45% on housing$180,000/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 56149$103
Lincoln County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 56149
Lincoln County$37

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
2026-07-10Listed for sale$749,900

For Sale by Agent

AgentNolan Hansen
BrokerageBurlage Peterson Auctioneers

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