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4978 132nd Way N, Hugo, MN, 55038

2beds
2baths
1,700sqft
$299,900
$176price/sqft
$2,135/moest. monthly cost
$85,400/yrincome needed

About This Home

Welcome to this beautifully maintained 2-bedroom plus den, 2-bathroom townhome in Hugo, offering the perfect blend of comfort, style, and low-maintenance living. The open-concept main level features a spacious kitchen with tile flooring and backsplash, seamlessly connecting to the dining and living areas to create an inviting space for both everyday living and entertaining. Step through the patio door to your private outdoor retreat, complete with a newer composite deck and iron railing overlooking green space and mature trees. Whether enjoying your morning coffee or unwinding at the end of the day, this outdoor setting provides the perfect backdrop. Upstairs, you'll find two generously sized bedrooms and a versatile den that can easily function as a home office, guest room, reading nook, or hobby space. Both bathrooms have been tastefully updated with granite countertops and beautifully tiled showers, adding a touch of luxury and modern appeal. The lower level offers a spacious family room with a fireplace, making it the perfect place to relax or gather with family and friends. With ample square footage, there is also potential to add a third bedroom to suit your future needs. Additional highlights include fresh paint throughout, a seller-provided flooring allowance of $5400, giving you the opportunity to add your own finishing touches. Ideally located near walking and biking trails, Bald Eagle Lake, and just minutes from both downtown Hugo and White Bear Lake, this home offers convenient access to recreation, dining, shopping, and everyday amenities while maintaining a peaceful neighborhood feel.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

8/10
North Star ElementaryGrades K-52.3 mi
6/10
Central Middle SchoolGrades 6-83.5 mi

Construction

Condition

  • Year built: 2001

Materials

  • Construction materials: Block

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished,Tile Shower

Bedroom

  • Level: Upper
  • Area: 154
  • Dimensions: 14x11

Bedroom2

  • Level: Upper
  • Area: 72
  • Dimensions: 9x8

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 90
  • Dimensions: 10x9

Dining Room

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Family Room

  • Level: Lower
  • Area: 480
  • Dimensions: 24x20

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 500
  • Finished area above ground: 1,200

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,200
  • Total interior livable area: 1,700 sqft

Kitchen

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

Living Room

  • Level: Main
  • Area: 228
  • Dimensions: 19x12

Office

  • Level: Upper
  • Area: 90
  • Dimensions: 10x9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3003121430047
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 550

Features

  • Levels: Three Level Split
  • Patio & porch: Composite Decking,Deck

Lot

  • Lot size: 1,655 sqft
  • Lot size dimensions: common

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Washington 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 $1,516$18,192
Home Insurance *$142$1,704
Property Taxes $307$3,684
Electricity $170$2,050
Total$2,135$25,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,200/yr
40% on housing$64,050/yr
45% on housing$56,933/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 55038$217
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55038$206
Washington County$201

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
2026-08-12Pending sale$299,900
2026-06-05Listed for sale$299,900
2003-12-31Sold$162,900

For Sale by Agent

AgentJodi L. Wegge
BrokerageAshworth Real Estate

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