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409 S 3rd St W, Aurora, MN, 55705

4beds
2baths
2,140sqft
$359,900
$168price/sqft
$2,771/moest. monthly cost
$110,840/yrincome needed

About This Home

Welcome home to this beautifully updated 4-bedroom, 2-bath split level home sitting on 2 city lots offering the perfect combination of comfort, space and functionality. There are 2 spacious bedrooms on the main floor along with a full bathroom. The beautiful kitchen is the perfect space to entertain guests. The lower level has 2 more bedrooms, full bathroom and a cozy rec room. Enjoy the convenience of an attached heated two stall garage, ideal for Minnesota winters, along with a huge yard that provides plenty of room for entertaining on the patio or the deck, gardening, or simply relaxing outdoors. With a spacious layout, modern updates, and an excellent outdoor space, this property is one you won't want to miss. Schedule your private showing today.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
5/10
Mesabi East SecondaryGrades 7-120.8 mi

Construction

Condition

  • Year built: 1978

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Washer,Elec. Dryer,Instant Hot Water

Basement

  • Has basement: Yes
  • Basement: Full,Poured,Walk-Out Access

Bedroom1

  • Level: Main
  • Area: 128.96

Bedroom2

  • Level: Main
  • Area: 132

Bedroom3

  • Level: Lower
  • Area: 165.41

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Dining Room

  • Level: Main
  • Area: 131.25

Features

  • Fireplace features: None
  • Finished area below ground: 1,000

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Ductless

Interior Area

  • Total structure area: 2,140
  • Total interior livable area: 2,140 sqft

Kitchen

  • Area: 127.49999999999999

Living Room

  • Level: Main
  • Area: 281.25

Property

Details

  • Parcel number: 100004800280

Features

  • Levels: Bi-Level
  • Patio & porch: Deck,Patio
  • Exterior features: Guttering: Yes
  • Fencing: None
  • Waterfront features: 0 - None

Lot

  • Lot size: 0.97 Acres
  • Lot size dimensions: 297 x 140

Parking

  • Total spaces: 2
  • Parking features: 2 Stalls,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 WaveVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Heat Wave
Lightning

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
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 $1,819$21,828
Home Insurance *$160$1,920
Property Taxes $612$7,344
Electricity $180$2,165
Total$2,771$33,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,005/yr
40% on housing$83,130/yr
45% on housing$73,893/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 55705$115
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55705
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-11Price change$329,900
2026-08-04Price change$349,900
2026-07-26Listed for sale$359,900
2023-08-30Sold$230,000

For Sale by Agent

AgentBrittany Bakken
Brokeragez' Up North Realty

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