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3109 Scotch Ln, Mankato, MN, 56001

2beds
2baths
872sqft
$269,900
$310price/sqft
$2,001/moest. monthly cost
$80,040/yrincome needed

About This Home

Welcome to this brand new 2 bedroom, 2 bathroom home offering the perfect blend of modern design, comfort, and low-maintenance living. With a spacious 2-stall garage and a thoughtfully designed layout, this home is built to fit today’s lifestyle. Step inside to an open-concept floor plan filled with natural light and highlighted by vaulted ceilings, creating a bright and inviting space. The living area flows seamlessly into the kitchen, featuring crisp white cabinetry, sleek countertops, stainless steel appliances, and a center island perfect for entertaining or everyday living. The primary suite provides a private retreat with its own bathroom, while the second bedroom offers flexibility for guests, a home office, or hobbies. Both bathrooms showcase clean, modern finishes for a fresh and timeless feel. Enjoy the convenience of true main-level living with durable flooring throughout and a neutral color palette ready for your personal touch. The exterior features low-maintenance siding and green space to relax and enjoy. Be the first to own this beautifully finished, move-in ready home.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

9/10
5/10
6/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2024

Materials

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

Type & Style

  • Home type: Condo
  • Property subType: Condo/Twnhouse/Twin/Patio,Twinhome

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Other

Bedroom

  • Level: Main
  • Area: 105.04

Bedroom1

  • Level: Main
  • Area: 147.45999999999998

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Features: Eat-in Kitchen

Features

  • Ceiling Fan(s),Eat-In Kitchen,Bath Description: Main Floor 3/4 Bath,Main Floor Full Bath,Main Floor Bedrooms
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 872

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 872
  • Total interior livable area: 872 sqft

Kitchen

  • Level: Main
  • Area: 103.95

Living Room

  • Level: Main
  • Area: 112.7

Property

Accessibility

  • Accessibility features: No Stairs Internal,No Stairs External

Details

  • Parcel number: R010914100026
  • Attached to another structure: Yes
  • Other equipment: Air to Air Exchange
  • Foundation area: 872

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio

Lot

  • Lot size: 4,791 sqft
  • Features: Few Trees
  • Lot size dimensions: 40 x 120

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $1,364$16,368
Home Insurance *$201$2,412
Property Taxes $266$3,192
Electricity $170$2,050
Total$2,001$24,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,605/yr
40% on housing$60,030/yr
45% on housing$53,360/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

$310This listing

vs Other Active Listings

Avg $/sqft

ZIP 56001$137
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
2026-05-08Listed for sale$269,900
2026-05-04Listing removed$269,900
2025-09-10Listed for sale$269,900

New Construction

AgentCandee Deichman
BrokerageCentury 21 Atwood

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