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414 4th Ave SE, Lonsdale, MN, 55046

3beds
3baths
3,010sqft
$369,900
$123price/sqft
$2,704/moest. monthly cost
$108,160/yrincome needed

About This Home

Spacious & beautifully maintained 3,010 sq. ft. townhome overlooking Lonsdale, MN! This inviting home offers 3 large bedrooms, 2 bathrooms, and a convenient 2-stall garage. Ideally located just off Interstate 35W, you’ll enjoy easy access while still appreciating the peaceful surroundings and small town feel. Designed for comfortable main-level living, this home features generous room sizes, a walk-out basement, and a small deck perfect for relaxing outdoors. The huge lower-level family room offers endless possibilities — create a home theater, game room, exercise area, office, or additional entertaining space! Enjoy a low-maintenance lifestyle with lawn mowing and snow removal included through the HOA. With no age restrictions, this property is a fantastic opportunity for anyone looking for the space, comfort, and convenience they need. Don’t miss your chance to own this exceptional townhome in a great location!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

6/10
Lonsdale Pre K-6Grades PK-61.2 mi
6/10
Montgomery Pre K-8Grades PK-88.2 mi
5/10

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Concrete,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished,Full,Walk-Out Access

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Lower

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Finished area below ground: 1,448
  • Finished area above ground: 1,562

Heating & Cooling

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

Interior Area

  • Total structure area: 3,124
  • Total interior livable area: 3,010 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: Grab Bars In Bathroom,Hallways 42"+,Soaking Tub

Details

  • Parcel number: 1925326060
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 1562

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 0.45 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 41.83 x 271.56

Parking

  • Total spaces: 2
  • Parking features: Attached,Shared Driveway
  • 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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Winter Weather

FEMA Declared Disasters in Rice 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 $1,870$22,440
Home Insurance *$213$2,556
Property Taxes $368$4,416
Electricity $253$3,046
Total$2,704$32,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,708/yr
40% on housing$81,120/yr
45% on housing$72,106/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 4.2%
4.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 55046$186
Rice County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 55046$177
Rice County$165

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
2026-06-05Listed for sale$369,900
2004-10-11Sold$224,900

For Sale by Agent

AgentStephanie Dietz
BrokerageRE/MAX Venture

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