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3106 Scotch Ln, Mankato, MN, 56001

3beds
3baths
1,800sqft
$299,900
$167price/sqft
$2,126/moest. monthly cost
$85,040/yrincome needed

About This Home

New Twin Home offering upgraded, move-in-ready living across approximately 1,800 square feet. The open-concept main level features a welcoming foyer, a well appointed kitchen with a center island, upgraded quartz countertops, Whirlpool stainless steel appliances, and soft-close cabinetry — a quality touch you'll notice every day. Main-floor laundry adds everyday ease. Upstairs offers 3 generous bedrooms, including the Primary bedroom with a private en-suite bath. Additional highlights: insulated & drywalled garage, included landscaping, and low-maintenance exterior care — all with no association or fees. Has Rental License. Owner Financing Available.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

9/10
6/10
6/10

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Washer/Dryer Hookups,Main Level

Basement

  • Has basement: Yes

Bedroom

  • Level: Upper
  • Area: 194.52777777777777

Bedroom1

  • Level: Upper
  • Area: 162.45138888888889

Bedroom2

  • Level: Upper
  • Area: 129.5

Bedrooms & Bathrooms

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

Dining Room

  • Features: Combine with Living Room,Eat-in Kitchen,Open Floorplan
  • Level: Main
  • Area: 155.20833333333331

Features

  • Ceiling Fan(s),Eat-In Kitchen,Kitchen Center Island,Walk-In Closet(s),Bath Description: 3/4 Primary,Main Floor 1/2 Bath,Upper Level Bath,3+ Same Floor Bedrooms(L)
  • Window features: Double Pane Windows
  • Finished area below ground: 0
  • Finished area above ground: 1,800

Heating & Cooling

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

Interior Area

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

Kitchen

  • Level: Main
  • Area: 168.04166666666669

Living Room

  • Level: Main
  • Area: 204.875

Property

Details

  • Parcel number: R01.09.14.100.175
  • Attached to another structure: Yes
  • Other equipment: Air to Air Exchange
  • Foundation area: 900

Features

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

Lot

  • Lot size: 4,791 sqft
  • Features: Landscaped,Paved
  • Lot size dimensions: 38.5 x 120

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Attached,Garage Door Opener
  • 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 $1,516$18,192
Home Insurance *$201$2,412
Property Taxes $239$2,868
Electricity $170$2,050
Total$2,126$25,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,891/yr
40% on housing$63,780/yr
45% on housing$56,693/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

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 56001$137
Blue Earth County$134

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
2026-07-13Listing removed$2,250
2026-07-11Listed for sale$299,900
2026-06-22Listed for rent$2,250
2025-09-04Listing removed$299,900
2025-07-29Listed for sale$299,900
2025-03-12Pending sale$299,900
2024-11-17Listed for sale$299,900

New Construction

AgentREBECCA THATE
BrokerageRe/Max Advantage Plus Mankato

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