1230 4th St NW, Rochester, MN, 55901
About This Home
A truly rare find only 600 yards from St. Mary's, this exceptional home offers a downtown location backing to Kutzky Park, yet with a modern floor plan and 2,800+ sq ft of living space that's hard to find in the neighborhood. A 2nd floor spans the entire home and offers potential for an additional 1,800 sq ft of living space, and is accessed through a separate entrance in the garage - perfect for storage, a roommate, or mother-in-law suite. The spacious lower level features high ceilings, a large family room, 3rd bedroom + bath, and plenty of storage space. Other great features include many updated windows, aluminum siding, attached 2-car garage and 2 fireplaces. This home is move-in ready with great potential to add equity over time!
Getting Around
Very Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- Year built: 1959
Materials
- Roof: Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Range,Refrigerator,Wall Oven,Washer,Water Softener Owned
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Block,Finished,Full,Partially Finished
Bathroom
- Level: Main
Bathroom
- Level: Main
Bathroom
- Level: Lower
Bedroom
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
Family Room
- Level: Lower
Features
- Number of fireplaces: 2
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 1,435
- Finished area above ground: 1,435
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,870
- Total interior livable area: 2,870 sqft
Kitchen
- Level: Main
Laundry
- Level: Lower
Living Room
- Level: Main
Storage
- Level: Upper
Utility Room
- Level: Lower
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 743441003155
- Zoning description: Residential-Single Family
- Foundation area: 1435
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Patio
Lot
- Lot size: 6,795 sqft
- Features: Near Public Transit,Property Adjoins Public Land
- Lot size dimensions: 110 x 62
Parking
- Total spaces: 2
- Parking features: Attached
- 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
- Inland Flooding
- Tornado
- Hail
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Olmsted 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 | $1,896 | $22,752 |
| Home Insurance * | $214 | $2,568 |
| Property Taxes | $370 | $4,440 |
| Electricity | $242 | $2,904 |
| Total | $2,722 | $32,664 |
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 |
|---|---|---|
| 2026-08-12 | Price change | $350,000 |
| 2026-07-08 | Price change | $375,000 |
| 2026-06-26 | Listed for sale | $399,900 |
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