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415 9th St, Hawley, MN, 56549

5beds
2baths
2,461sqft
$302,500
$123price/sqft
$2,407/moest. monthly cost
$96,280/yrincome needed

About This Home

Well-maintained 5-bedroom, 2-bath home featuring numerous updates and a bright, welcoming main level filled with natural light. The living room, kitchen, and dining area offer an open, airy feel with abundant windows. Recent improvements include refinished hardwood floors throughout most of the main floor (2024), luxury vinyl plank flooring in the kitchen, dining area, and hallway (2024), six new east-facing windows (2025), a new exterior door to the deck (2025), and a new water softener (2026). The kitchen was updated with a new microwave, oven, and dishwasher in 2025. Outside, enjoy mature landscaping with a variety of plants and a beautiful large birch tree in the backyard. Additional features include a convenient laundry chute in the hallway closet and a location within walking distance to Hawley schools. This spacious home combines classic charm, thoughtful updates, and a great neighborhood setting!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

9/10
Hawley Elementary SchoolGrades PK-60.4 mi
9/10
Hawley SecondaryGrades 7-120.2 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Age Over 8 Years,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedroom5

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Upper

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 250
  • Finished area above ground: 2,211

Heating & Cooling

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

Interior Area

  • Total structure area: 3,641
  • Total interior livable area: 2,461 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Basement

Living Room

  • Level: Main

Storage

  • Level: Basement

Utility Room

  • Level: Basement

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 566501910
  • Zoning description: Residential-Single Family
  • Foundation area: 1673

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Fencing: Partial

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 75 x 170

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • 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
  • Inland Flooding
    Inland FloodingVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Clay 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 $1,529$18,348
Home Insurance *$198$2,376
Property Taxes $473$5,676
Electricity $207$2,490
Total$2,407$28,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,525/yr
40% on housing$72,210/yr
45% on housing$64,186/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
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 56549$134
Clay County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 56549
Clay County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-13Price change$302,500
2026-07-06Listed for sale$307,500
2024-07-31Sold$273,000
2024-07-02Pending sale$270,000
2024-06-05Listed for sale$270,000
2014-01-07Sold$148,900
2009-09-16Sold$129,960

For Sale by Agent

AgentDan Perrine
BrokerageJames Patrick Real Estate

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