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812 14th Ave NE, Rochester, MN, 55905

4beds
2baths
2,688sqft
$305,000
$113price/sqft
$2,236/moest. monthly cost
$89,440/yrincome needed

About This Home

Looks Can Be Deceiving... This Home Is MUCH Bigger Than It Appears! Don't let the charming exterior fool you—this beautifully updated Rochester home offers over 2,700 finished square feet of thoughtfully designed living space, giving you room to spread out, entertain, and truly feel at home. Inside, you'll discover a warm, inviting interior filled with natural light, gorgeous solid hardwood floors, and modern updates throughout. The beautifully renovated kitchen is both stylish and functional, featuring sleek appliances, updated finishes, and the perfect layout for everything from busy weekday mornings to holiday gatherings. With 4 spacious bedrooms and 2 updated bathrooms, there's room for everyone. The expansive, fully finished lower level adds incredible versatility, complete with a private fourth bedroom, a ¾ bath, and generous living space that's perfect for a family room, guest suite, home office, fitness area—or all of the above. Step outside into your own fully fenced backyard oasis, where you'll enjoy the privacy to entertain friends, let pets play, host summer barbecues, or simply unwind after a long day. Comfort comes standard with a brand-new central air conditioning system, while an additional wall A/C unit in the living room provides an extra blast of cooling for those who love their home ice-cold during Minnesota summers. If you've been searching for a home that offers far more space than meets the eye, beautifully blends character with modern updates, and is move-in ready, this Rochester gem deserves a spot at the top of your must-see list. Come inside—you'll be amazed by how much home awaits you.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
75
BikeVery Bikeable

Schools

8/10
5/10
Kellogg Middle SchoolGrades 6-80.8 mi
8/10

Construction

Condition

  • Year built: 1950

Materials

  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Block,Finished

Bedroom

  • Level: Main
  • Area: 120.75
  • Dimensions: 11.5x10.5

Bedroom2

  • Level: Main
  • Area: 117
  • Dimensions: 9x13

Bedroom3

  • Level: Upper
  • Area: 406
  • Dimensions: 29x14

Bedroom4

  • Level: Basement
  • Area: 130
  • Dimensions: 10x13

Bedrooms & Bathrooms

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

Dining Room

  • Level: Upper
  • Area: 108
  • Dimensions: 12x9

Family Room

  • Level: Basement
  • Area: 432
  • Dimensions: 27x16

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 840
  • Finished area above ground: 1,848

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 2,688
  • Total interior livable area: 2,688 sqft

Kitchen

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Laundry

  • Level: Basement
  • Area: 90
  • Dimensions: 10x9

Living Room

  • Level: Main
  • Area: 289
  • Dimensions: 17x17

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 743613014580
  • Zoning description: Residential-Single Family
  • Foundation area: 840

Features

  • Levels: One and One Half
  • Stories: 1
  • Fencing: Chain Link,Full

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: 117 x 54

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Concrete
  • 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
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Winter Weather
Hail
Strong Wind

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 $1,542$18,504
Home Insurance *$133$1,596
Property Taxes $335$4,020
Electricity $226$2,720
Total$2,236$26,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,662/yr
40% on housing$67,080/yr
45% on housing$59,626/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 55905
Olmsted County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 55905
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
2026-08-04Listed for sale$299,000
2026-08-04Listing removed$305,000
2026-06-20Price change$305,000
2026-05-28Price change$310,000
2026-05-14Listed for sale$315,000
2024-01-31Sold$282,400
2024-01-19Pending sale$280,000
2023-10-31Price change$280,000
2023-10-04Listed for sale$290,000
2015-05-05Sold$136,000
2015-03-28Pending sale$134,900
2015-03-09Listed for sale$134,900
2006-09-22Sold$133,796

For Sale by Agent

AgentPaula Swirtz
BrokerageLPT Realty, LLC

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