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3205 Scotch Ln, Mankato, MN, 56001

6beds
6baths
3,600sqft
$308,000
$86price/sqft
$2,307/moest. monthly cost
$92,280/yrincome needed

About This Home

Estimated Completion: May 30th, 2026. Luxury New Construction Twin Home with open plan providing a foyer, great storage, kitchen center island, stainless appliances and main floor laundry. Upstairs you will find 3 generous bedrooms, including the Primary with en-suite bathroom and large walk in closet. Now available for immediate possession! Luxury Twin Homes with open plan providing a foyer, great storage, kitchen center island, stainless appliances and main floor laundry. Upstairs you will find 3 generous bedrooms, including the Primary with en-suite bathroom. The hardscape, seeded lawn, and all appliances are included. The garage is insulated and drywalled. Very efficient and low maintenance twin home or Duplex living. Ideal way to begin or add to your personal real estate empire. Reach out to learn what's possible.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

9/10
5/10
6/10

Construction

Condition

  • Property condition: Previously Owned

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame/Wood,Stone,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer,Range/Stove,Gas Water Heater,Individual Water Heaters
  • Laundry features: Unit 1: Washer/Dryer Hookups,Unit 2: Washer/Dryer Hookups

Basement

  • Has basement: Yes
  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 2
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Unit 1: Ceiling Fan(s),Eat-In Kitchen,Kitchen Center Island,Walk-In Closet(s),Unit 2: Ceiling Fan(s),Eat-In Kitchen,Kitchen Center Island,Walk-In Closet(s)
  • Finished area below ground: 0
  • Finished area above ground: 3,600

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Unit 1: Central Air,Unit 2: Central Air

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 3,600 sqft

Property

Details

  • Parcel number: R010914100039
  • Other equipment: Air to Air Exchange
  • Foundation area: 3600

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 0.26 Acres
  • Features: Landscaped,Paved
  • Lot size dimensions: .256

Parking

  • Total spaces: 8
  • Parking features: Asphalt,Attached,Garage Door Opener,Off Street,# Off Street Prkng Sp (L)
  • 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 WaveVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Tornado
Heat Wave
Inland Flooding

FEMA Declared Disasters in Blue Earth 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 $1,557$18,684
Home Insurance *$201$2,412
Property Taxes $246$2,952
Electricity $303$3,643
Total$2,307$27,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,097/yr
40% on housing$69,210/yr
45% on housing$61,520/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 56001$138
Blue Earth County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 56001
Blue Earth County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-10-18Price change$594,900
2025-07-16Listed for sale$586,000

For Sale by Agent

AgentREBECCA THATE
BrokerageRe/Max Advantage Plus Mankato

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