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413 1st St SW, Crosby, MN, 56441

2beds
1baths
1,037sqft
$239,900
$231price/sqft
$1,702/moest. monthly cost
$68,080/yrincome needed

About This Home

You'll love the location of this charming 2 bedroom, 1 bath Crosby home, ideally situated just blocks from Main Street and within walking distance of the renowned Cuyuna Country State Recreation Area trails. Inside, you’ll find a comfortable and functional layout featuring a welcoming living room, updated kitchen, dedicated dining space, main-floor bedroom, and main-floor bath and laundry. One of the standout features of this property is the large detached 3-car heated garage, offering incredible space for vehicles, bikes, tools, lake gear, a workshop, or the ultimate hangout area after a day on the trails. You'll appreciate the double lot, front porch, and additional storage shed. Whether you’re looking for a year-round home, weekend getaway, investment property, or basecamp for all things Cuyuna, this property offers excellent flexibility. From local coffee shops, restaurants, breweries, and shopping to world-class biking, hiking, fishing, and outdoor recreation, this Crosby home puts you right in the heart of it all. Don’t miss your chance to enjoy everything the Crosby/Cuyuna area has to offer — schedule your showing today!

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

6/10
7/10
Crosby-Ironton SecondaryGrades 7-120.4 mi

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Unfinished

Bathroom

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

Bedroom

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom2

  • Level: Upper
  • Area: 165
  • Dimensions: 15x11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,037

Heating & Cooling

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

Interior Area

  • Total structure area: 2,592
  • Total interior livable area: 1,037 sqft

Kitchen

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Living Room

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Utility Room

  • Level: Lower
  • Area: 400
  • Dimensions: 20x20

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 11112896
  • Zoning description: Residential-Single Family
  • Foundation area: 864

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 100 x 125

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,Garage,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Crow Wing 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 $1,213$14,556
Home Insurance *$117$1,404
Property Taxes $202$2,424
Electricity $170$2,050
Total$1,702$20,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,354/yr
40% on housing$51,060/yr
45% on housing$45,386/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 56441$100
Crow Wing County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 56441$193
Crow Wing County$204

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
2026-06-13Listed for sale$239,900
2023-06-16Sold$200,000

For Sale by Agent

AgentChad Schwendeman
BrokerageeXp Realty

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