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1809 Michigan Dr, Northfield, MN, 55057

5beds
3baths
3,989sqft
$614,900
$154price/sqft
$4,774/moest. monthly cost
$190,960/yrincome needed

About This Home

Welcome to this beautifully maintained home nestled in a quiet, highly desirable east-side neighborhood. With a blend of smart design, thoughtful upgrades, and lush outdoor living, this property is a rare find offering comfort, efficiency, and timeless charm. The extended cedar-covered front porch adds a warm welcome. Enjoy a maintenance-free exterior with James Hardie cement siding, a new 30-year roof (2022), solid composite rear deck and railings. Step down to a private lower patio, shaded by mature maple trees. Enjoy professionally landscaped yard including forsythia, lilac, roses, and wisteria. Gardeners will love the vegetable and pollinator garden, a potting shed, and irrigation system. This sprawling rambler-style home has an open floor plan with newly refinished hardwood floors, fresh interior paint throughout the home, and new carpet in the upper level bedrooms/office. The main level includes a luxurious primary suite with a dual-sink vanity, Jacuzzi tub, and an oversized walk-in shower with triple showerheads. Included in the primary suite is massive dressing room with built-in closets. It could also be used as a nursery, office, or storage. A second bedroom is located on the main floor, currently being utilized as an office. Just off of the office is a 2nd full bathroom, making this space a great guest wing. The kitchen features new granite countertops(2026), stainless kitchen appliances, including a gas range. The walkout lower level boasts four bedrooms (one currently used as a well-equipped craft room with storage, exhaust fan, and even compressed air), a third full bath, a separate nook plumbed for a bar or kitchenette, and a spacious central rec room wired for surround sound. Durable laminate oak flooring downstairs provides both style and practicality. The home is wired throughout for ethernet and cable, making remote work and streaming a breeze on both levels. Keep the home warm and toasty with gas burning fireplaces on both the upper and lower level of this sprawling rambler. The three-car heated garage features an extended bay with 20 feet of workbench, cabinets and shelving, and a 220 volt plug for e-vehicles. Enjoy additional conveniences like an underground perimeter fence (PetSafe) and school bus pickup. Spring Creek Elementary, Middle School, and High School are all within walking or biking distance. Come see this wonderful home!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

8/10
8/10
Northfield Middle SchoolGrades 6-81.1 mi
9/10

Construction

Condition

  • Year built: 2002

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Exhaust Fan,Microwave,Range,Refrigerator,Water Softener Owned
  • Laundry features: Laundry Room,Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Finished,Full

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,901
  • Finished area above ground: 2,088

Flex Room

  • Level: Lower

Heating & Cooling

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

Interior Area

  • Total structure area: 3,989
  • Total interior livable area: 3,989 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Other

  • Level: Lower

Porch

  • Level: Lower

Workshop

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2207101007
  • Zoning description: Residential-Single Family
  • Foundation area: 2101

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch,Patio
  • Fencing: None

Lot

  • Lot size: 10,280 sqft
  • Lot size dimensions: 62 x 30 x 130 x 67 x 130

Parking

  • Total spaces: 3
  • Parking features: Attached,Insulated Garage
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Tornado
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 $3,109$37,308
Home Insurance *$410$4,920
Property Taxes $919$11,028
Electricity $336$4,037
Total$4,774$57,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,680/yr
40% on housing$143,220/yr
45% on housing$127,306/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

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 55057$214
Rice County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 55057$184
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
2026-04-30Price change$624,900
2026-04-11Listed for sale$649,900
2025-11-21Listing removed$649,900
2025-09-04Price change$649,900
2025-07-30Price change$675,000
2025-06-27Listed for sale$690,000
2005-06-29Sold$340,000
2002-09-04Sold$48,000
2000-09-22Sold$40,410

For Sale by Agent

AgentRuthie Gilbertson
BrokerageeXp Realty

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