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43687 Gates Ave, Harris, MN, 55032

5beds
1baths
2,462sqft
$225,000
$91price/sqft
$1,727/moest. monthly cost
$69,080/yrincome needed

About This Home

Stately old Victorian beauty on a large corner lot in town. Many happy memories made in this home, and now it's time to make your own memories. Current floorplan results in 1 of the upstairs bedrooms being nonconforming, but use your imagination to reconfigure. Convenient main floor bedroom and laundry. Large country kitchen with pantry! 16x15 deck overlooks the yard with it's shade trees and garden. What Victorian style home would be complete without a front porch to enjoy morning coffee or evening conversation? The 468 square foot shed is great for storage or a gathering place. Enjoy the charm of small town living but with a quick access to I35 and a very commutable distance to both Minneapolis and St. Paul. Bring your tools, paint and imagination and make this grand old house shine!

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

3/10
5/10

Construction

Condition

  • Year built: 1901

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Range
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom2

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedroom3

  • Level: Upper
  • Area: 132
  • Dimensions: 11x12

Bedroom4

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom5

  • Level: Upper
  • Area: 195
  • Dimensions: 15x13

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 1
  • Full bathrooms: 1

Deck

  • Level: Main
  • Area: 272
  • Dimensions: 17x16

Dining Room

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Family Room

  • Level: Main
  • Area: 325
  • Dimensions: 25x13

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,462

Heating & Cooling

  • Heating features: Space Heater
  • Cooling features: None

Interior Area

  • Total structure area: 2,931
  • Total interior livable area: 2,462 sqft

Kitchen

  • Level: Main
  • Area: 208
  • Dimensions: 16x13

Laundry

  • Level: Main
  • Area: 30
  • Dimensions: 5x6

Living Room

  • Level: Main
  • Area: 234
  • Dimensions: 18x13

Porch

  • Level: Main
  • Area: 90
  • Dimensions: 18x5

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 140038100
  • Zoning description: Residential-Single Family
  • Foundation area: 825

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 0.34 Acres
  • Lot size dimensions: 100 x 150

Parking

  • Parking features: Driveway - Other Surface
  • Has uncovered spaces: Yes

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 $1,137$13,644
Home Insurance *$144$1,728
Property Taxes $239$2,868
Electricity $207$2,491
Total$1,727$20,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,211/yr
40% on housing$51,810/yr
45% on housing$46,053/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

$91This listing

vs Other Active Listings

Avg $/sqft

ZIP 55032$225
Chisago County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 55032$244
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)

No zestimate history available

Price History

DateEventPrice
2026-08-18Pending sale$225,000
2026-08-09Listed for sale$225,000

For Sale by Agent

AgentCindy Groeneweg
BrokerageRE/MAX Results

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