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1638 265th St N, Hawley, MN, 56549

4beds
2baths
1,956sqft
$275,000
$141price/sqft
$2,005/moest. monthly cost
$80,200/yrincome needed

About This Home

Nestled in the quiet, rural community of Winnipeg Junction, this unique property offers nearly an acre of peaceful surroundings with abundant gardens, privacy, and room to make it your own. It's a setting that feels secluded while remaining just a short drive from Hawley. The original 1897 house features a welcoming sunroom, living room, dining room, and main-floor bedroom. Upstairs offers a bedroom, full bathroom, and versatile flex room that could serve as an office, hobby space, or additional sleeping area. A substantial addition completed in 2000 creates the heart of the home with a spacious kitchen featuring a center island, an adjoining informal dining area, two additional bedrooms, a full bathroom, and main-floor laundry. The addition also includes an unfinished basement, offering excellent potential for future living space, storage, or workshop space. Outside, the property truly shines. A welcoming front patio and rear wood deck provide inviting spaces to relax and enjoy the peaceful surroundings. The deck overlooks extensive perennial gardens that have been lovingly planted and cared for, creating a colorful landscape that changes with the seasons. A large vegetable garden provides room to grow your own produce, and a detached double garage offers parking and storage. This property offers a rare opportunity for buyers seeking a peaceful rural setting with space to garden, personalize, and create a place of their own.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

9/10
Hawley Elementary SchoolGrades PK-63.5 mi
9/10
Hawley SecondaryGrades 7-123.5 mi

Construction

Condition

  • Year built: 1897

Materials

  • Roof: Age Over 8 Years
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Electronic Air Filter,ENERGY STAR Qualified Appliances,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Kitchen,Main Level

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Unfinished

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bedroom

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Deck

  • Level: First

Dining Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,956

Flex Room

  • Level: Second

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Interior Area

  • Total structure area: 2,796
  • Total interior livable area: 1,956 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: Basement

Sun Room

  • Level: First

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 140800204
  • Zoning description: Residential-Single Family
  • Foundation area: 1464

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 0.93 Acres
  • Lot size dimensions: 150' x 130', 100' x 140', and 50' x 140'

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 $1,390$16,680
Home Insurance *$198$2,376
Property Taxes $247$2,964
Electricity $170$2,050
Total$2,005$24,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,742/yr
40% on housing$60,150/yr
45% on housing$53,466/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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 56549$132
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
2026-08-05Price change$265,000
2026-06-16Price change$275,000
2026-06-06Listed for sale$300,000

For Sale by Agent

AgentNathan Larson
BrokeragePark Co., REALTORS®

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