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42975 126th Ave, Holdingford, MN, 56340

3beds
2baths
2,003sqft
$217,898
$109price/sqft
$1,544/moest. monthly cost
$61,760/yrincome needed

About This Home

Charming 3 bedroom, 1.5 bathroom home offering over 1,500 finished square feet, situated on nearly 1 acre. Inside, you’ll find beautiful hardwood floors, a full bathroom on the main level, and a convenient half bath upstairs. The spacious layout provides comfortable living with room to spread out. Car enthusiasts, hobbyists, and those needing extra storage will love the four garage stalls between the two detached garages. The impressive 36x24 garage is heated and insulated, ideal for year-round projects or tinkering. Some of the updates provide added peace of mind, including a newer furnace (approx. 2017), water heater, and the central air conditioner in 2021. Enjoy the space, functionality, and versatility this property has to offer both inside and out.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
5/10
Holdingford SecondaryGrades 7-124.7 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Asphalt,Pitched

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Water Osmosis System,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Sump Pump

Bedroom

  • Level: Main
  • Area: 104.03
  • Dimensions: 10.10x10.3

Bedroom2

  • Level: Upper
  • Area: 125.66
  • Dimensions: 12.2x10.3

Bedroom3

  • Level: Upper
  • Area: 123.342
  • Dimensions: 12.2x10.11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 102
  • Dimensions: 10.2x10

Family Room

  • Level: Basement
  • Area: 146.88
  • Dimensions: 13.6x10.8

Features

  • Finished area below ground: 268
  • Finished area above ground: 1,287

Garage

  • Area: 864
  • Dimensions: 36x24

Garage

  • Level: Main
  • Area: 520
  • Dimensions: 26x20

Heating & Cooling

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

Interior Area

  • Total structure area: 2,003
  • Total interior livable area: 2,003 sqft

Kitchen

  • Level: Main
  • Area: 130.41
  • Dimensions: 16.1x8.1

Laundry

  • Level: Basement
  • Area: 105.45
  • Dimensions: 11.10x9.5

Living Room

  • Level: Main
  • Area: 168.872
  • Dimensions: 15.2x11.11

Office

  • Level: Upper
  • Area: 68.82
  • Dimensions: 11.1x6.2

Other

  • Level: Basement
  • Area: 272.64
  • Dimensions: 28.4x9.6

Patio

  • Level: Main
  • Area: 468
  • Dimensions: 26x18

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04018500000
  • Zoning description: Residential-Single Family
  • Foundation area: 780

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Chain Link

Lot

  • Lot size: 0.95 Acres
  • Features: Corner Lot,Tree Coverage - Light
  • Lot size dimensions: 112 x 314

Parking

  • Total spaces: 4
  • Parking features: Detached Garage,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather
Wildfire

FEMA Declared Disasters in Stearns 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 $1,101$13,212
Home Insurance *$131$1,572
Property Taxes $142$1,704
Electricity $170$2,050
Total$1,544$18,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,937/yr
40% on housing$46,320/yr
45% on housing$41,173/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 56340$164
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56340$126
Stearns County$148

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
2026-05-13Listed for sale$224,898
2019-03-28Sold$147,000
2019-02-19Pending sale$144,900
2019-01-29Listed for sale$144,900
2017-03-24Sold$132,800
2017-02-21Pending sale$134,900
2016-11-21Price change$134,900
2016-09-07Listed for sale$139,900
2014-10-27Sold$129,900
2014-09-30Pending sale$129,900
2014-09-30Listed for sale$129,900
2014-08-14Sold$129,900
2014-01-01Sold$129,900
2010-06-25Sold$145,000

For Sale by Agent

AgentSkip Halverson
BrokerageRE/MAX Results

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