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1004 Center St W, Rochester, MN, 55902

3beds
2baths
1,860sqft
$449,500
$242price/sqft
$3,248/moest. monthly cost
$129,920/yrincome needed

About This Home

Welcome to one of Kutzky Park's finest historic homes—a rare opportunity to own a beautifully updated 1890 Victorian that perfectly blends timeless character with modern comfort. Located just three blocks from Mayo Clinic Saint Mary's Campus and four blocks from Mayo Clinic Downtown, this exceptional home offers an unbeatable combination of historic charm, walkability, and convenience. From the moment you arrive, you'll be captivated by the outstanding curb appeal, inviting front porch, mature landscaping, and meticulous attention to detail. Inside, the home has been thoughtfully updated while preserving the craftsmanship and architectural character that make century homes so special. Large windows fill the home with natural light, highlighting the spacious living areas, beautiful flooring, and original details. The gourmet kitchen is a true showpiece, featuring premium appliances including a Sub-Zero refrigerator, Bosch dishwasher, and gas range—perfect for both everyday living and entertaining. The main floor also offers a dedicated office with French doors, an inviting reading nook, and comfortable gathering spaces designed for today's lifestyle. Upstairs you'll find three spacious bedrooms, a beautifully updated bathroom, and the convenience of second-floor laundry. The backyard is every bit as impressive as the interior. Enjoy a fully fenced, level yard with a large deck for entertaining, an oversized one-car garage with power, a spacious storage shed/workshop, and an incredible playhouse that will delight kids and grandchildren alike. Additional features include a whole-home reverse osmosis system, water softener, newer water heater, excellent insulation, and low utility costs. If you've been searching for a truly turnkey historic home in one of Rochester's most desirable and walkable neighborhoods, this is a rare opportunity you won't want to miss.

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Folwell Elementary SchoolGrades PK-50.6 mi
5/10
John Adams Middle SchoolGrades 6-82.3 mi
9/10
Mayo Senior High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1890

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Water Osmosis System,Range,Refrigerator,Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,860

Heating & Cooling

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

Interior Area

  • Total structure area: 2,758
  • Total interior livable area: 1,860 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 743533005131
  • Zoning description: Residential-Single Family
  • Foundation area: 898

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Fencing: Privacy,Wood

Lot

  • Lot size: 9,583 sqft
  • Features: Near Public Transit,Tree Coverage - Medium
  • Lot size dimensions: 161 x 60

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Hail
Strong Wind
Winter Weather

FEMA Declared Disasters in Olmsted 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 $2,272$27,264
Home Insurance *$260$3,120
Property Taxes $546$6,552
Electricity $170$2,050
Total$3,248$38,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,360/yr
40% on housing$97,440/yr
45% on housing$86,613/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 55902$225
Olmsted County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 55902$185
Olmsted County$177

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
2026-08-04Price change$439,499
2026-07-22Listed for sale$449,500
2020-08-14Sold$375,000
2020-07-24Pending sale$374,900
2020-07-23Listed for sale$374,900
2015-07-07Sold$200,000
2015-05-05Listed for sale$228,000
2006-09-08Sold$219,900

For Sale by Agent

AgentMoe Mossa
BrokerageSavvy Avenue, LLC

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