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31696 Madison Rd, Lindstrom, MN, 55045

2beds
2baths
1,249sqft
$445,000
$356price/sqft
$3,267/moest. monthly cost
$130,680/yrincome needed

About This Home

Discover the ultimate one-level lifestyle in "The Arianna 3 Car Garage" at Morning Sun, where sophisticated design meets low-maintenance convenience. This custom-built detached villa features a vaulted, open-concept main floor centered around a large kitchen island, making it the perfect hub for entertaining. The main level is highlighted by a private primary suite boasting a walk-in closet and custom-tiled shower, while sliding glass doors provide seamless access to a private patio for outdoor dining. With two bedrooms, two bathrooms, and a 3-car garage, this home offers generous space for guests and storage. For those dreaming of a unique build, Principle Builders can fully customize this floor plan to reflect your personal style. Contact us today to learn about exclusive lender incentives and begin your next chapter at Morning Sun!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
8/10

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Age 8 Years or Less,Asphalt,Pitched
  • Construction materials: Concrete

Other

  • Builder name: PRINCIPLES BUILDING & REMODELING LLC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,ENERGY STAR Qualified Appliances,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Laundry Room,Main Level,Sink

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 166.4
  • Dimensions: 13 x 12.8

Bedroom2

  • Level: Main
  • Area: 127.6
  • Dimensions: 11 x 11.6

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 140
  • Dimensions: 14 x 10

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,249

Heating & Cooling

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

Interior Area

  • Total structure area: 1,249
  • Total interior livable area: 1,249 sqft

Kitchen

  • Level: Main
  • Area: 116.6
  • Dimensions: 10.6 x 11

Laundry

  • Level: Main
  • Area: 49.92
  • Dimensions: 6.4 x 7.8

Living Room

  • Level: Main
  • Area: 182
  • Dimensions: 14 x 13

Property

Accessibility

  • Accessibility features: Customized Wheelchair Accessible,No Stairs External,No Stairs Internal

Details

  • Parcel number: 150063950
  • Zoning description: Residential-Single Family
  • Foundation area: 1249

Features

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

Lot

  • Lot size: 10,193 sqft
  • Features: Tree Coverage - Light
  • Lot size dimensions: 170 x 72 x 174 x 12 x 35

Parking

  • Total spaces: 3
  • Parking features: Attached,Insulated Garage,Storage
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Chisago 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 $2,250$27,000
Home Insurance *$218$2,616
Property Taxes $629$7,548
Electricity $170$2,050
Total$3,267$39,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,011/yr
40% on housing$98,010/yr
45% on housing$87,120/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$356This listing

vs Other Active Listings

Avg $/sqft

ZIP 55045$170
Chisago County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 55045$240
Chisago County$213

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
2026-03-18Listed for sale$445,000

For Sale by Agent

AgentTyler Miller
BrokerageeXp Realty

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