627 5th St NW, Richmond, MN, 56368
About This Home
Welcome home to this exceptionally well maintained rambler offering the perfect combination of space, comfort, and functionality! Situated on a desirable corner lot in Richmond, the popular Chain of Lakes area, and within easy commuting distance to St. Cloud, this property provides the perfect blend of peaceful living and everyday convenience. Built in 2003, this 4-bedroom, 3-bath home features 2,224 finished square feet with a fully finished basement, providing plenty of room for everyday living and entertaining. One of the standout features is the 1,200-square-foot attached 3-stall garage, heated and insulated offering abundant space for vehicles, hobbies, storage, or a workshop. Inside, you'll appreciate the open feel created by the vaulted ceilings, along with the convenience of main floor living that includes a spacious primary bedroom and main floor laundry. Step outside to enjoy the low maintenance composite deck overlooking the backyard, complete with a concrete walkway leading to the 20' x 25' detached garage with electricity, perfect for additional storage, projects, or recreational equipment. Recent improvements include a new dishwasher, fresh interior paint, and a new concrete walkway, allowing you to move right in with confidence. Pride of ownership shines throughout this beautifully cared-for home. If you've been searching for a move in ready home with exceptional garage space in a prime location near Richmond, the Chain of Lakes, and St. Cloud, this is one you won't want to miss. Don't forget to take the virtual tour and schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Roof: Age Over 8 Years,Asphalt
- Construction materials: Block
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Gas Water Heater,Water Filtration System,Water Osmosis System,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned
- Laundry features: Laundry Room,Main Level
Basement
- Has basement: Yes
- Basement: Egress Window(s),Finished,Full
Bathroom
- Level: Main
- Area: 80
- Dimensions: 8x10
Bathroom
- Level: Main
- Area: 48
- Dimensions: 6x8
Bathroom
- Level: Lower
- Area: 72
- Dimensions: 8x9
Bedroom
- Level: Main
- Area: 143
- Dimensions: 11x13
Bedroom2
- Level: Main
- Area: 144
- Dimensions: 12x12
Bedroom3
- Level: Lower
- Area: 120
- Dimensions: 10x12
Bedroom4
- Level: Lower
- Area: 121
- Dimensions: 11x11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 132
- Dimensions: 11x12
Family Room
- Level: Lower
- Area: 304
- Dimensions: 16x19
Features
- Finished area below ground: 1,020
- Finished area above ground: 1,204
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,408
- Total interior livable area: 2,224 sqft
Kitchen
- Level: Main
- Area: 132
- Dimensions: 11x12
Living Room
- Level: Main
- Area: 234
- Dimensions: 13x18
Office
- Level: Lower
- Area: 165
- Dimensions: 11x15
Utility Room
- Level: Lower
- Area: 176
- Dimensions: 11x16
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 74410750118
- Zoning description: Residential-Single Family
- Foundation area: 1204
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Deck,Front Porch
- Fencing: None
Lot
- Lot size: 0.35 Acres
- Features: Corner Lot,Irregular Lot,Tree Coverage - Medium
- Lot size dimensions: 144 x 140 x 74 x 156
Parking
- Total spaces: 4
- Parking features: Attached,Detached Garage,Concrete,Garage Door Opener,Heated Garage,Insulated Garage
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
- 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
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
- Drought
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Stearns County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,118 | $25,416 |
| Home Insurance * | $310 | $3,720 |
| Property Taxes | $405 | $4,860 |
| Electricity | $187 | $2,250 |
| Total | $3,020 | $36,240 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-19 | Listed for sale | $419,000 |
| 2024-06-27 | Sold | $382,000 |
| 2024-05-29 | Pending sale | $375,000 |
| 2024-05-25 | Listed for sale | $375,000 |
| 2016-04-15 | Sold | $217,700 |
| 2016-01-19 | Pending sale | $219,900 |
| 2016-01-08 | Price change | $219,900 |
| 2015-10-02 | Listed for sale | $229,900 |
View on Zillow