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1920 Clearwater Rd, Waconia, MN, 55387

4beds
4baths
3,728sqft
$525,000
$141price/sqft
$3,823/moest. monthly cost
$152,920/yrincome needed

About This Home

Welcome to this charming home on Clearwater Rd in Waconia. Walk in and you will immediately notice the light, the openness, and the easy flow from room to room. This 4-bedroom, 4-bathroom home is offered by the original owners and located in the Sierra Neighborhood. The home features 3,728 finished square feet with an open floor plan, two family rooms, two fireplaces, two flex rooms, and a 16x13 sunroom. All four bedrooms are on the upper level, with laundry conveniently located on the same floor. The kitchen includes a center island with breakfast bar, a large walk-in pantry, and a bayed dinette that opens to a 14x16 composite deck with sunset views. The primary suite has vaulted ceilings, an en suite bath with a soaking tub and separate shower, and a walk-in closet with built-in shelving. A second bathroom includes a garden tub. The finished basement provides an additional family room and flex space. Other features include main-level laundry, a large mudroom, a 3-car garage, and a fully fenced private rear yard and a tuck-under storage shed below sunroom. A new furnace has been installed. An independent home inspection by Structure Tech has been completed and the report is available.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

9/10
7/10
Waconia Middle SchoolGrades 6-81.3 mi
8/10

Construction

Condition

  • Year built: 2001

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Daylight

Bathroom

  • Level: Main

Bathroom

  • Level: Upper

Bathroom

  • Level: Upper

Bathroom

  • Level: Basement

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,020
  • Finished area above ground: 2,686

Flex Room

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 3,728
  • Total interior livable area: 3,728 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Living Room

  • Level: Basement

Sun Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 754450110
  • Zoning description: Residential-Single Family
  • Foundation area: 1440

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.34 Acres
  • Lot size dimensions: 35 x 145 x 150 x 144

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Heat Wave
Winter Weather

FEMA Declared Disasters in Carver 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 $2,654$31,848
Home Insurance *$312$3,744
Property Taxes $543$6,516
Electricity $314$3,773
Total$3,823$45,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,074/yr
40% on housing$114,690/yr
45% on housing$101,946/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 55387$190
Carver County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 55387$209
Carver County$220

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
2026-05-08Listed for sale$525,000
2001-06-04Sold$275,000

For Sale by Agent

AgentSteve Koleno
BrokerageBeycome Brokerage Realty LLC

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