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122 Lake Henry Ave S, Melrose, MN, 56352

4beds
2baths
2,942sqft
$335,000
$114price/sqft
$2,460/moest. monthly cost
$98,400/yrincome needed

About This Home

Welcome home to this beautifully maintained one-owner, 4-bedroom, 2-bath home where quality craftsmanship, thoughtful design, and spacious living come together. From the moment you step inside, you'll appreciate the open-concept layout featuring 9-foot ceilings, quality oak cabinetry, and a warm, inviting electric fireplace that creates the perfect gathering space for family and friends. The expansive kitchen offers an abundance of cabinet and countertop space, making meal preparation and entertaining effortless. Three of the four bedrooms feature walk-in closets, providing exceptional storage, while the versatile flex room is ideal for a home office, playroom, craft room, or whatever best fits your lifestyle. Designed with convenience in mind, this home offers main-floor laundry, zero-step entry, and an insulated attached garage with a separate staircase leading directly to the basement. The lower level is kept warm and comfortable with in-floor heat and features an oversized family room with endless possibilities—host game nights, create the ultimate home theater, quilting or hobby space, fitness room, or the man cave you've always wanted. There's room for it all! Step outside to enjoy quiet mornings on the back deck with a cup of coffee or unwind in the evening on the welcoming front porch. The spacious backyard offers a generous garden area for those who love growing fresh vegetables, flowers, or simply spending time outdoors. Lovingly cared for by its original owners, this exceptional home offers the perfect combination of comfort, space, functionality, and pride of ownership. Hurry, before it's too late!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Melrose Elementary SchoolGrades PK-511.1 mi
5/10
Melrose Middle SchoolGrades 6-811.1 mi
8/10
Melrose SecondaryGrades 9-1211.1 mi

Construction

Condition

  • Year built: 1996

Materials

  • Roof: Age Over 8 Years,Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished,Full

Bedroom

  • Level: Main
  • Area: 196
  • Dimensions: 14X14

Bedroom2

  • Level: Main
  • Area: 157.5
  • Dimensions: 15X10.5

Bedroom3

  • Level: Basement
  • Area: 143
  • Dimensions: 11X13

Bedroom4

  • Level: Basement
  • Area: 160
  • Dimensions: 16X10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 140
  • Dimensions: 14X10

Family Room

  • Level: Basement
  • Area: 675
  • Dimensions: 25X27

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 1,358
  • Finished area above ground: 1,584

Flex Room

  • Level: Main
  • Area: 120
  • Dimensions: 12X10

Heating & Cooling

  • Heating features: Forced Air,In-Floor Heating
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,168
  • Total interior livable area: 2,942 sqft

Kitchen

  • Level: Main
  • Area: 196
  • Dimensions: 14X14

Laundry

  • Level: Main
  • Area: 108
  • Dimensions: 12X9

Living Room

  • Level: Main
  • Area: 195
  • Dimensions: 15X13

Property

Accessibility

  • Accessibility features: No Stairs External

Details

  • Parcel number: 96599460000
  • Zoning description: Residential-Single Family
  • Foundation area: 1680

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch

Lot

  • Lot size: 0.33 Acres
  • Features: Tree Coverage - Light
  • Lot size dimensions: 72 x 198

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Insulated Garage
  • 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

  • Strong Wind
    Strong WindVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Winter Weather
Cold Wave
Drought
Ice Storm

FEMA Declared Disasters in Stearns 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 $1,693$20,316
Home Insurance *$265$3,180
Property Taxes $254$3,048
Electricity $248$2,977
Total$2,460$29,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,342/yr
40% on housing$73,800/yr
45% on housing$65,600/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$114This listing

vs Other Active Listings

Avg $/sqft

ZIP 56352$181
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56352$132
Stearns County$148

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
2026-08-13Price change$319,000
2026-07-31Listed for sale$335,000

For Sale by Agent

AgentAmy Bast
BrokerageCentral MN Realty LLC

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