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6130 Albert Ln, North Branch, MN, 55056

5beds
2baths
2,296sqft
$369,000
$161price/sqft
$2,669/moest. monthly cost
$106,760/yrincome needed

About This Home

Tucked among mature trees on a beautiful corner lot, this fully updated North Branch home offers the perfect blend of space, comfort, and convenience with a peaceful “up north” outdoor feel. Inside, you’ll find vaulted ceilings, an open-concept layout, fresh paint, new flooring throughout, updated trim and doors, and stylish new lighting fixtures that give the home a clean, modern feel from the moment you walk in. Multiple living spaces create an airy, functional layout ideal for both everyday living and entertaining. The kitchen features natural wood cabinetry, abundant natural light, and flows seamlessly into the dining and living areas with a walkout to the deck making indoor-outdoor entertaining easy and connected. With 5 bedrooms, 2 bathrooms, a spacious primary bedroom with walk-in closet, and a partially finished lower level with additional flexibility, this home offers room to grow while still feeling warm and inviting. A main-level bedroom also creates a great opportunity for a home office or guest space. Located near parks, golf courses, shopping, restaurants, and quick access to I-35, this home offers the space and privacy feel you want without sacrificing convenience.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
75
BikeVery Bikeable

Schools

3/10
5/10

Construction

Condition

  • Year built: 1996

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

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

Bathroom

  • Level: Main
  • Area: 40
  • Dimensions: 8x5

Bedroom

  • Level: Main
  • Area: 104
  • Dimensions: 8x13

Bedroom2

  • Level: Upper
  • Area: 175.5
  • Dimensions: 13.5x13

Bedroom3

  • Level: Upper
  • Area: 108
  • Dimensions: 12x9

Bedroom4

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedroom5

  • Level: Basement
  • Area: 94.5
  • Dimensions: 9x10.5

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Bonus Room

  • Level: Basement
  • Area: 125
  • Dimensions: 12.5x10

Dining Room

  • Level: Main
  • Area: 149.5
  • Dimensions: 11.5x13

Features

  • Finished area below ground: 95
  • Finished area above ground: 1,716

Heating & Cooling

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

Interior Area

  • Total structure area: 2,296
  • Total interior livable area: 2,296 sqft

Kitchen

  • Level: Main
  • Area: 115
  • Dimensions: 11.5x10

Laundry

  • Level: Main
  • Area: 56
  • Dimensions: 8x7

Living Room

  • Level: Main
  • Area: 149.5
  • Dimensions: 11.5x13

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 160045945
  • Zoning description: Residential-Single Family
  • Foundation area: 1100

Features

  • Levels: Modified Two Story
  • Stories: 2

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 85 x 135

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather
Inland Flooding

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 $1,865$22,380
Home Insurance *$235$2,820
Property Taxes $376$4,512
Electricity $193$2,323
Total$2,669$32,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,508/yr
40% on housing$80,070/yr
45% on housing$71,173/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

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 55056$174
Chisago County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 55056$197
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
2025-12-31Sold$367,000
2021-04-14Sold$280,000
2021-02-25Pending sale$280,000
2021-02-19Listed for sale$280,000

Coming Soon

AgentCortney Tschida
BrokerageBridge Realty, LLC

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