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1950 228th Ln W, Mora, MN, 55051

6beds
4baths
2,880sqft
$449,900
$156price/sqft
$3,242/moest. monthly cost
$129,680/yrincome needed

About This Home

This single-level acreage property in Mora is set up as a duplex with completely separate living spaces. Each unit offers 3 bedrooms, 2 bathrooms, and a spacious 22x24 two-stall garage. The property presents an ideal solution for buyers or families wanting to live close to each other while maintaining privacy. Both bathrooms feature elegant tiled floors and showers, while the kitchens come equipped with modern stainless steel appliances. Comfort is ensured year-round with in-floor heating and ductless mini splits for heating and air conditioning. The open layout design creates a welcoming atmosphere, complemented by a huge foyer and full-length outdoor concrete patio/porch on each side of the property. Set up your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
8/10
Mora SecondaryGrades 7-122.9 mi
--

Construction

Condition

  • Year built: 2021

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Water Osmosis System,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Bedroom2

  • Level: Main
  • Area: 154
  • Dimensions: 14x11

Bedroom3

  • Level: Main
  • Area: 96
  • Dimensions: 12x8

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,880

Foyer

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Heating & Cooling

  • Heating features: Boiler,In-Floor Heating
  • Cooling features: Ductless Mini-Split

Interior Area

  • Total structure area: 2,880
  • Total interior livable area: 2,880 sqft

Kitchen

  • Level: Main
  • Area: 240
  • Dimensions: 20x12

Living Room

  • Level: Main
  • Area: 360
  • Dimensions: 24x15

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 100419000
  • Zoning description: Residential-Single Family
  • Foundation area: 2880

Features

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

Lot

  • Lot size: 4.70 Acres
  • Lot size dimensions: 327 x 630

Parking

  • Total spaces: 4
  • Parking features: Heated Garage
  • 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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Hail
Inland Flooding
Tornado
Wildfire
Winter Weather

FEMA Declared Disasters in Kanabec 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 $2,274$27,288
Home Insurance *$322$3,864
Property Taxes $404$4,848
Electricity $242$2,914
Total$3,242$38,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,154/yr
40% on housing$97,260/yr
45% on housing$86,453/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 55051$152
Kanabec County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 55051
Kanabec County$162

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
2026-04-30Price change$479,900
2026-04-03Listed for sale$499,900
2026-01-01Listing removed$499,900
2025-09-15Price change$499,900
2025-07-30Price change$529,900
2025-06-17Price change$539,900
2025-05-27Listed for sale$549,900

For Sale by Agent

AgentChuck Carstensen
BrokerageRE/MAX Results

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