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604 White St SW #6, Watertown, MN, 55388

2beds
1baths
0sqft
$77,000
--price/sqft
$687/moest. monthly cost
$27,480/yrincome needed

About This Home

Available in Watertown! Rock Island MHP has added 6 brand-new mobile homes to our peaceful community! Choose Your New Home - All include central air & heat, off street parking and modern layouts 3 Homes - 2 Bed / 1 Bath and 3 Homes - 3 Bed / 2 Bath Call now to schedule an appointment! These homes will go fast-secure yours today!!!

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
8/10

Construction

Condition

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

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Oven,Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Laminate
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Open

Property

Details

  • On leased land: Yes
  • Lease amount: 575

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Carver 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 $389$4,668
Home Insurance *$67$804
Property Taxes $61$732
Electricity $170$2,050
Total$687$8,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$23,554/yr
40% on housing$20,610/yr
45% on housing$18,320/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 55388$144
Carver County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 55388$197
Carver County$220

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)

No zestimate history available

Price History

DateEventPrice
2026-07-09Listed for sale$77,000
2026-07-01Listing removed$77,000
2026-06-10Price change$77,000
2026-01-14Listed for sale$79,000

New Construction

AgentDiane Sikes
BrokerageRock Island MHP

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