159 E King St
Duplex · 2 units: 4 bed / 1 bath ×2 unit split estimated · 2,300 sq ft
Winona, MN · View the listing ↗
Photos, via Realtor.com.
- Asking price
- $230,000 2 units · $115K per unit
- Monthly cash flow
- $444 at 20% down, 7%
- Estimated rent
- $3,200/mo medium confidence
- Break-even price
- $313,352 where cash flow hits $0
First look
Two 4-bed/1-bath units in a student-rental location near WSU, asking $230K. Our numbers say it cash flows about $444/month at 20% down with an 8.7% cap rate, using estimated rents of $1,600 per unit. That rests on estimates, because the listing gives no actual rents, no lease terms and no expenses. The photos show dated finishes, a rubble stone foundation and a shared coin laundry in the basement, so inspect the foundation and the unit setup before anything else. At 39 days on market it's worth a showing if the rent roll and tax bill hold up, but get the real numbers first.
Things to consider
- Rents are estimates only Cash flow of $444/month depends on about $1,600 per unit. Actual rents could be lower, and student leases can turn over often.
- Taxes and unit count unverified We couldn't match a county parcel, so the tax bill is a guess and the legal unit count is unconfirmed. Taxes could change the numbers.
- Old stone foundation A 1900 building on a rubble stone foundation can mean costly repairs if there's water or movement.From photo 9
- Dated interiors and building envelope Worn siding and old kitchens and baths mean you should budget for repairs and reserves, even if rents hold up.From photo 1
- Price vs. break-even Break-even price is about $313K against a $230K ask, so there's some cushion if rents are real.
From the photos
Based on 10 of the listing photos. Photos can hide as much as they show; an inspection is the real answer.
AI-assisted first read of the listing description and photos (Claude), checked against public records. Every rent and repair above quotes the listing; verify with the agent, leases and an inspection.
The numbers
Edit rents, costs and assumptions
Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).
The deal
- Price
- $230,000
- Cash to close
- $29,900
- Price per unit
- $115,000
- GRM
- 6.0
Each month
- Cash flow
- $161/mo
- Cash-on-cash
- 6.5%
- Cap rate
- 8.7%
- DSCR
- 1.11×
Break-even
- Price that breaks even
- $254,616
- Rent that breaks even
- $2,988/mo
Long run
- Year 30: property vs stocks
- $1.45M vs $228K
- Cash flow turns positive
- year 1
The deal
- Price
- $230,000
- Cash to close
- $29,900
- Price per unit
- $115,000
- GRM
- 6.0
Each month
- Cash flow
- −$109/mo
- Cash-on-cash
- −4.4%
- Cap rate
- 7.3%
- DSCR
- 0.93×
Break-even
- Price that breaks even
- $213,286
- Rent that breaks even
- $3,362/mo
Long run
- Year 30: property vs stocks
- $1.04M vs $245K
- Cash flow turns positive
- year 4
The deal
- Price
- $220,000
- Cash to close
- $28,600
- Price per unit
- $110,000
- GRM
- 5.7
Each month
- Cash flow
- $227/mo
- Cash-on-cash
- 9.5%
- Cap rate
- 9.1%
- DSCR
- 1.16×
Break-even
- Price that breaks even
- $254,616
- Rent that breaks even
- $2,902/mo
Long run
- Year 30: property vs stocks
- $1.49M vs $218K
- Cash flow turns positive
- year 1
The deal
- Price
- $220,000
- Cash to close
- $28,600
- Price per unit
- $110,000
- GRM
- 5.7
Each month
- Cash flow
- −$44/mo
- Cash-on-cash
- −1.8%
- Cap rate
- 7.6%
- DSCR
- 0.97×
Break-even
- Price that breaks even
- $213,286
- Rent that breaks even
- $3,265/mo
Long run
- Year 30: property vs stocks
- $1.08M vs $222K
- Cash flow turns positive
- year 3
The deal
- Price
- $230,000
- Cash to close
- $52,900
- Price per unit
- $115,000
- GRM
- 6.0
Each month
- Cash flow
- $444/mo
- Cash-on-cash
- 10.1%
- Cap rate
- 8.7%
- DSCR
- 1.36×
Break-even
- Price that breaks even
- $313,352
- Rent that breaks even
- $2,616/mo
Long run
- Year 30: property vs stocks
- $1.66M vs $403K
- Cash flow turns positive
- year 1
The deal
- Price
- $230,000
- Cash to close
- $52,900
- Price per unit
- $115,000
- GRM
- 6.0
Each month
- Cash flow
- $173/mo
- Cash-on-cash
- 3.9%
- Cap rate
- 7.3%
- DSCR
- 1.14×
Break-even
- Price that breaks even
- $262,488
- Rent that breaks even
- $2,944/mo
Long run
- Year 30: property vs stocks
- $1.24M vs $403K
- Cash flow turns positive
- year 1
The deal
- Price
- $220,000
- Cash to close
- $50,600
- Price per unit
- $110,000
- GRM
- 5.7
Each month
- Cash flow
- $497/mo
- Cash-on-cash
- 11.8%
- Cap rate
- 9.1%
- DSCR
- 1.42×
Break-even
- Price that breaks even
- $313,352
- Rent that breaks even
- $2,546/mo
Long run
- Year 30: property vs stocks
- $1.70M vs $385K
- Cash flow turns positive
- year 1
The deal
- Price
- $220,000
- Cash to close
- $50,600
- Price per unit
- $110,000
- GRM
- 5.7
Each month
- Cash flow
- $226/mo
- Cash-on-cash
- 5.4%
- Cap rate
- 7.6%
- DSCR
- 1.19×
Break-even
- Price that breaks even
- $262,488
- Rent that breaks even
- $2,865/mo
Long run
- Year 30: property vs stocks
- $1.28M vs $385K
- Cash flow turns positive
- year 1
The deal
- Price
- $230,000
- Cash to close
- $64,400
- Price per unit
- $115,000
- GRM
- 6.0
Each month
- Cash flow
- $520/mo
- Cash-on-cash
- 9.7%
- Cap rate
- 8.7%
- DSCR
- 1.45×
Break-even
- Price that breaks even
- $334,242
- Rent that breaks even
- $2,516/mo
Long run
- Year 30: property vs stocks
- $1.75M vs $490K
- Cash flow turns positive
- year 1
The deal
- Price
- $230,000
- Cash to close
- $64,400
- Price per unit
- $115,000
- GRM
- 6.0
Each month
- Cash flow
- $249/mo
- Cash-on-cash
- 4.6%
- Cap rate
- 7.3%
- DSCR
- 1.22×
Break-even
- Price that breaks even
- $279,987
- Rent that breaks even
- $2,831/mo
Long run
- Year 30: property vs stocks
- $1.33M vs $490K
- Cash flow turns positive
- year 1
The deal
- Price
- $220,000
- Cash to close
- $61,600
- Price per unit
- $110,000
- GRM
- 5.7
Each month
- Cash flow
- $570/mo
- Cash-on-cash
- 11.1%
- Cap rate
- 9.1%
- DSCR
- 1.52×
Break-even
- Price that breaks even
- $334,242
- Rent that breaks even
- $2,450/mo
Long run
- Year 30: property vs stocks
- $1.78M vs $469K
- Cash flow turns positive
- year 1
The deal
- Price
- $220,000
- Cash to close
- $61,600
- Price per unit
- $110,000
- GRM
- 5.7
Each month
- Cash flow
- $299/mo
- Cash-on-cash
- 5.8%
- Cap rate
- 7.6%
- DSCR
- 1.27×
Break-even
- Price that breaks even
- $279,987
- Rent that breaks even
- $2,757/mo
Long run
- Year 30: property vs stocks
- $1.36M vs $469K
- Cash flow turns positive
- year 1
Monthly
Monthly breakdown
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Net operating income | $1,668 |
| Mortgage (principal + interest) | −$1,377 |
| PMI | −$129 |
| Cash flow | $161 |
| Principal paid down (equity, not cash) | $175 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Property management | −$271 |
| Net operating income | $1,397 |
| Mortgage (principal + interest) | −$1,377 |
| PMI | −$129 |
| Cash flow | −$109 |
| Principal paid down (equity, not cash) | $175 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Net operating income | $1,668 |
| Mortgage (principal + interest) | −$1,317 |
| PMI | −$124 |
| Cash flow | $227 |
| Principal paid down (equity, not cash) | $168 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Property management | −$271 |
| Net operating income | $1,397 |
| Mortgage (principal + interest) | −$1,317 |
| PMI | −$124 |
| Cash flow | −$44 |
| Principal paid down (equity, not cash) | $168 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Net operating income | $1,668 |
| Mortgage (principal + interest) | −$1,224 |
| Cash flow | $444 |
| Principal paid down (equity, not cash) | $156 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Property management | −$271 |
| Net operating income | $1,397 |
| Mortgage (principal + interest) | −$1,224 |
| Cash flow | $173 |
| Principal paid down (equity, not cash) | $156 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Net operating income | $1,668 |
| Mortgage (principal + interest) | −$1,171 |
| Cash flow | $497 |
| Principal paid down (equity, not cash) | $149 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Property management | −$271 |
| Net operating income | $1,397 |
| Mortgage (principal + interest) | −$1,171 |
| Cash flow | $226 |
| Principal paid down (equity, not cash) | $149 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Net operating income | $1,668 |
| Mortgage (principal + interest) | −$1,148 |
| Cash flow | $520 |
| Principal paid down (equity, not cash) | $146 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Property management | −$271 |
| Net operating income | $1,397 |
| Mortgage (principal + interest) | −$1,148 |
| Cash flow | $249 |
| Principal paid down (equity, not cash) | $146 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Net operating income | $1,668 |
| Mortgage (principal + interest) | −$1,098 |
| Cash flow | $570 |
| Principal paid down (equity, not cash) | $140 |
| Rent | $3,200 |
| Vacancy (6%) | −$192 |
| Collected | $3,008 |
| Property tax Listing | −$316 |
| Insurance Estimate | −$218 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$288 |
| Capital reserve (9% of rent) | −$288 |
| Property management | −$271 |
| Net operating income | $1,397 |
| Mortgage (principal + interest) | −$1,098 |
| Cash flow | $299 |
| Principal paid down (equity, not cash) | $140 |
Cash flow each year
Rents +3%/yr, costs +3.5%/yr. Red bars are months you'd cover out of pocket.
30 years
How those totals add up
- Your equity when you sell
- $524,774
- Rental profits, invested at 7%
- $922,771
Sells for $558,270 (value up 3% a year), minus 6% selling cost ($33,496). Rent paid down $207,000 of loan.
$413,042 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $227,606
$29,900 put into an index fund instead of the down payment and closing costs.
The building comes out $1,219,939 ahead after 30 years.
- Your equity when you sell
- $524,774
- Rental profits, invested at 7%
- $519,117
Sells for $558,270 (value up 3% a year), minus 6% selling cost ($33,496). Rent paid down $207,000 of loan.
$261,044 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $227,606
- Monthly shortfalls, invested
- $17,450
$29,900 put into an index fund instead of the down payment and closing costs.
$2,558 you'd have paid in while the building lost money, invested instead.
The building comes out $798,835 ahead after 30 years.
- Your equity when you sell
- $501,958
- Rental profits, invested at 7%
- $992,384
Sells for $533,998 (value up 3% a year), minus 6% selling cost ($32,040). Rent paid down $198,000 of loan.
$434,868 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $217,710
$28,600 put into an index fund instead of the down payment and closing costs.
The building comes out $1,276,632 ahead after 30 years.
- Your equity when you sell
- $501,958
- Rental profits, invested at 7%
- $575,504
Sells for $533,998 (value up 3% a year), minus 6% selling cost ($32,040). Rent paid down $198,000 of loan.
$280,911 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $217,710
- Monthly shortfalls, invested
- $4,224
$28,600 put into an index fund instead of the down payment and closing costs.
$598 you'd have paid in while the building lost money, invested instead.
The building comes out $855,527 ahead after 30 years.
- Your equity when you sell
- $524,774
- Rental profits, invested at 7%
- $1,136,254
Sells for $558,270 (value up 3% a year), minus 6% selling cost ($33,496). Rent paid down $184,000 of loan.
$474,339 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $402,688
$52,900 put into an index fund instead of the down payment and closing costs.
The building comes out $1,258,340 ahead after 30 years.
- Your equity when you sell
- $524,774
- Rental profits, invested at 7%
- $715,149
Sells for $558,270 (value up 3% a year), minus 6% selling cost ($33,496). Rent paid down $184,000 of loan.
$319,783 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $402,688
$52,900 put into an index fund instead of the down payment and closing costs.
The building comes out $837,235 ahead after 30 years.
- Your equity when you sell
- $501,958
- Rental profits, invested at 7%
- $1,196,585
Sells for $533,998 (value up 3% a year), minus 6% selling cost ($32,040). Rent paid down $176,000 of loan.
$493,500 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $385,180
$50,600 put into an index fund instead of the down payment and closing costs.
The building comes out $1,313,363 ahead after 30 years.
- Your equity when you sell
- $501,958
- Rental profits, invested at 7%
- $775,480
Sells for $533,998 (value up 3% a year), minus 6% selling cost ($32,040). Rent paid down $176,000 of loan.
$338,944 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $385,180
$50,600 put into an index fund instead of the down payment and closing costs.
The building comes out $892,258 ahead after 30 years.
- Your equity when you sell
- $524,774
- Rental profits, invested at 7%
- $1,222,980
Sells for $558,270 (value up 3% a year), minus 6% selling cost ($33,496). Rent paid down $172,500 of loan.
$501,882 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $490,229
$64,400 put into an index fund instead of the down payment and closing costs.
The building comes out $1,257,525 ahead after 30 years.
- Your equity when you sell
- $524,774
- Rental profits, invested at 7%
- $801,875
Sells for $558,270 (value up 3% a year), minus 6% selling cost ($33,496). Rent paid down $172,500 of loan.
$347,327 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $490,229
$64,400 put into an index fund instead of the down payment and closing costs.
The building comes out $836,420 ahead after 30 years.
- Your equity when you sell
- $501,958
- Rental profits, invested at 7%
- $1,279,540
Sells for $533,998 (value up 3% a year), minus 6% selling cost ($32,040). Rent paid down $165,000 of loan.
$519,845 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $468,915
$61,600 put into an index fund instead of the down payment and closing costs.
The building comes out $1,312,583 ahead after 30 years.
- Your equity when you sell
- $501,958
- Rental profits, invested at 7%
- $858,436
Sells for $533,998 (value up 3% a year), minus 6% selling cost ($32,040). Rent paid down $165,000 of loan.
$365,290 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $468,915
$61,600 put into an index fund instead of the down payment and closing costs.
The building comes out $891,479 ahead after 30 years.
Future dollars. At 3% inflation, divide year-30 figures by about 2.4 for today's buying power. Rental profits are assumed invested, not spent.
30 years: this property vs. the same money in stocks
Year 30 (loan paid off): property $1.45M, stocks $228K. The property wins.
Year 30 (loan paid off): property $1.04M, stocks $245K. The property wins.
Year 30 (loan paid off): property $1.49M, stocks $218K. The property wins.
Year 30 (loan paid off): property $1.08M, stocks $222K. The property wins.
Year 30 (loan paid off): property $1.66M, stocks $403K. The property wins.
Year 30 (loan paid off): property $1.24M, stocks $403K. The property wins.
Year 30 (loan paid off): property $1.70M, stocks $385K. The property wins.
Year 30 (loan paid off): property $1.28M, stocks $385K. The property wins.
Year 30 (loan paid off): property $1.75M, stocks $490K. The property wins.
Year 30 (loan paid off): property $1.33M, stocks $490K. The property wins.
Year 30 (loan paid off): property $1.78M, stocks $469K. The property wins.
Year 30 (loan paid off): property $1.36M, stocks $469K. The property wins.
Comparable rentals
Nearby rentals RentCast matched to each unit type, as of 2026-10-05. The estimate above is RentCast's, weighted toward the closest matches.
4 bed / 1 bath estimate $1,600/mo · range $1,400–$1,850
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 560 Main St, Apt 4, Winona 55987 off market | $1,600 | 4 / 1 | 0.3 mi | 94% |
| 560 Main St, Apt 3, Winona 55987 off market | $1,600 | 4 / 1 | 0.3 mi | 94% |
| 560 Main St, Apt 2, Winona 55987 off market | $1,600 | 4 / 1 | 0.3 mi | 94% |
| 415 Center St, Winona 55987 off market | $1,740 | 4 / 1 | 0.2 mi | 87% |
| 401 Olmstead St, Apt 3, Winona 55987 off market | $1,400 | 4 / 1 | 0.8 mi | 85% |
| 1290 E Burns Valley Rd, Apt 3, Winona 55987 off market | $1,000 | 3 / 1 | 1.7 mi | 82% |
| 258 Lee St, Winona 55987 off market | $1,115 | 3 / 1 | 1.9 mi | 82% |
| 266 E Sanborn St, Unit 2, Winona 55987 off market | $1,320 | 3 / 1 | 0.2 mi | 79% |
| 450 E 7th St, Unit 5, Winona 55987 off market | $1,400 | 3 / 1 | 0.5 mi | 76% |
| 184 E King St, Winona 55987 off market | $1,700 | 4 / 1 | 0.1 mi | 74% |
On the maps, this property and comparable rentals. Comparable rentals and rent estimate: RentCast. Rents are asking rents from listings; check them against the actual leases.
Red flags and opportunities
Watch for
- mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 159 KING ST E
- mediumNo rents, lease terms or expenses given. Cash flow rests entirely on our estimates. Based on: data: rent_estimate · AI review
- mediumRubble stone foundation on a 1900 build. Needs a structural and moisture inspection. Based on: photo 9 · AI review
- lowExposed basement wiring and plumbing near the shared laundry. Check panel, wiring age and any splices. Based on: photo 9 · AI review
- lowProperty is being pitched to both investors and owner-occupants. Ask why it hasn't sold in 39 days. Based on: data: listing.days_on_market · AI review
Opportunities
- Coin laundry in the basement may produce some ancillary income. Confirm it works and who owns the machines. Based on: photo 9 · AI review
- Walkable to WSU and downtown. Strong demand for 4-bed units from student renters. Listing says: just blocks from WSU, this property is an attractive option for both investors and owner-occupants · AI review
- Owner-occupant option: live in one unit and rent the other to offset costs. Listing says: live in one unit while generating rental income from the other · AI review
Questions for the agent
- What are the current rents, lease end dates and security deposits for each unit?
- What were taxes, insurance, utilities and repairs over the last 12 months?
- Who pays heat, water and electric, and are there separate meters and furnaces?
- Is the rental license current, and is the occupancy limit set for 4 bedrooms per unit?
- How old are the roof, furnace and electrical panel, and has the foundation been inspected?
- Who owns the basement laundry machines, and is the laundry income reported?
Bottom line
Student-rental duplex that pencils at about $444/month on estimated rents, but the rent roll, taxes and foundation need to check out before offering. AI-assisted summary
What the records say
Where each number comes from
| Property tax / yr Listinglisting, tax year 2026. The tax the listing states. If the seller lives there it may be at the lower homestead rate; an investor owner pays the non-homestead rate, often 20–40% more on the owner's unit. | $3,798 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,612 |
| Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid | $170 |
| Heat / mo Assumptionassumption. tenants pay heat; confirm with the agent | $0 |
| Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal | $60 |
| Repairs / capital reserve Rulerule. built 1900: +1 pt capital reserve; 8 bedrooms: +1 pt repairs for wear | 9% / 9% |
Price history Realtor.com
On the market since 2026-06-29 (98 days, relisted 1×); down $20,000 (8.0%) from the first ask of $250,000; last sold for $250,000 on 2021-02-01.
| Date | Event | Price |
|---|---|---|
| Listed | $230,000 | |
| Removed | $250,000 | |
| Sold public record | $250,000 | |
| Sold public record | $175,000 | |
| Sold | $155,000 | |
| Listed | $155,000 | |
| Sold public record | $140,500 | |
| Sold public record | $138,500 | |
| Sold | $115,000 | |
| Listed | $115,000 | |
| Sold public record | $62,500 |
From the listing Listing
| Listed as | duplex up and down |
| Property tax, 2026 | $3,798 |
| County | Winona |
| Parcel number | 322650200 |
As the listing states it (NorthstarMLS, via Realtor.com). We don't have county records here yet; check the tax, homestead status and special assessments with the county.
Crime, rental-license and vacant-building records are only available for St. Paul and Minneapolis so far. Check with Winona on rental licensing before you buy.