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30325 Elm St, Lindstrom, MN, 55045

3beds
2baths
1,734sqft
$309,999
$179price/sqft
$2,330/moest. monthly cost
$93,200/yrincome needed

About This Home

One-level living in the heart of Lindstrom! This 3BR/2BA rambler has everything on one level (just a couple steps up to the kitchen) plus a huge deck for grilling and entertaining. Major updates where it counts — rebuilt, structurally sound truss system, new concrete exterior stairs, and newer exterior. Minutes from parks, town, and shopping. Move-in ready with no project list waiting. Come take a look!

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 1910

Materials

  • Roof: Age 8 Years or Less,Architectural Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Crawl Space

Bedroom

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

Bedroom2

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

Bedroom3

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 555
  • Dimensions: 37x15

Deck

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Dining Room

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,734

Heating & Cooling

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

Interior Area

  • Total structure area: 2,278
  • Total interior livable area: 1,734 sqft

Kitchen

  • Level: Main
  • Area: 238
  • Dimensions: 17x14

Living Room

  • Level: Main
  • Area: 315
  • Dimensions: 21x15

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 150034500
  • Zoning description: Residential-Single Family
  • Foundation area: 1734

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground
  • Fencing: Chain Link

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 66 x 188

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Lightning
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 $1,567$18,804
Home Insurance *$152$1,824
Property Taxes $441$5,292
Electricity $170$2,050
Total$2,330$27,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,885/yr
40% on housing$69,900/yr
45% on housing$62,133/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 55045$174
Chisago County$188

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
2026-07-29Price change$309,999
2026-06-23Price change$319,999
2026-06-05Listed for sale$324,999
2026-04-10Sold$210,000
2026-02-26Price change$319,900
2026-02-19Listed for sale$329,900
2023-08-05Listing removed--
2023-07-12Price change$335,900
2023-06-21Price change$342,900
2023-06-06Listed for sale$350,000

For Sale by Agent

AgentBill Bergeson
BrokerageRE/MAX Synergy

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