25640 Wild Rose Ln
Duplex · 2 units: 4 bed / 2 bath and 3 bed / 2 bath unit split estimated · 3,316 sq ft
Shorewood, MN · View the listing ↗
Photos courtesy of Edina Realty, Inc., via Realtor.com.
- Asking price
- $685,000 2 units · $342K per unit
- Monthly cash flow
- $6 at 20% down, 7%
- Estimated rent
- $5,825/mo low confidence
- Break-even price
- $686,091 where cash flow hits $0
First look
This is a $685K side-by-side duplex in Shorewood that reads as much like an owner-occupant house as an investment. Our numbers say it roughly breaks even at the ask: about $6/month with a 6.4% cap rate, and break-even is near $686K. The description gives no rents, no lease status and no tax figure, and we couldn't match a county parcel, so taxes and unit count are unverified. Check that first, along with the rental license and zoning for two units. Electric baseboard heat with separate meters keeps utility costs off the owner, but electric heat is costly for tenants and can hurt rentability. Worth a showing only if you plan to live in one side or the price comes down.
Things to consider
- Barely breaks even at the ask Our underwriting shows roughly zero monthly cash flow and a 6.4% cap rate. Break-even is just above the asking price.
- Rents and taxes are unverified There are no stated rents, and we couldn't match a parcel record. Income and expenses both need confirming before any offer.Listing says: “strong rental income potential”
- Recent updates reduce near-term capex Windows, plumbing, insulation and A/C are reportedly new, which lowers repair reserves. Ask for documentation.Listing says: “With well over $100,000 in recent improvements”
- Owner-occupant angle is the strongest case Living in one side and renting the other cuts housing cost and may suit financing better than a pure investment.Listing says: “Live in One. Rent the Other...Own your home in Shorewood while offsetting your housing costs.”
- Electric heat affects tenant appeal Tenants pay their own meters, but high electric heating bills can limit what rent they will accept.Listing says: “the ever reliable electric baseboard heat in very comfortable”
From the photos
Based on 10 of the listing photos. Photos can hide as much as they show; an inspection is the real answer.
Condition and repairs
- doneNew driveway, windows, paint, plumbing and fixtures, insulation, appliances, A/C units, guttersListing says: With well over $100,000 in recent improvements, including a new driveway, windows, interior and exterior paint, plumbing and fixtures
- doneModern kitchens and baths in both unitsListing says: Both units have been thoughtfully updated with modern kitchens and baths, featuring fine finishes and custom cabinetry throughout.
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
- $685,000
- Cash to close
- $89,050
- Price per unit
- $342,500
- GRM
- 9.8
Each month
- Cash flow
- −$835/mo
- Cash-on-cash
- −11.3%
- Cap rate
- 6.4%
- DSCR
- 0.81×
Break-even
- Price that breaks even
- $557,487
- Rent that breaks even
- $6,869/mo
Long run
- Year 30: property vs stocks
- $2.59M vs $891K
- Cash flow turns positive
- year 6
The deal
- Price
- $685,000
- Cash to close
- $89,050
- Price per unit
- $342,500
- GRM
- 9.8
Each month
- Cash flow
- −$1,328/mo
- Cash-on-cash
- −17.9%
- Cap rate
- 5.5%
- DSCR
- 0.70×
Break-even
- Price that breaks even
- $482,254
- Rent that breaks even
- $7,681/mo
Long run
- Year 30: property vs stocks
- $2.10M vs $1.16M
- Cash flow turns positive
- year 11
The deal
- Price
- $675,000
- Cash to close
- $87,750
- Price per unit
- $337,500
- GRM
- 9.7
Each month
- Cash flow
- −$770/mo
- Cash-on-cash
- −10.5%
- Cap rate
- 6.5%
- DSCR
- 0.83×
Break-even
- Price that breaks even
- $557,487
- Rent that breaks even
- $6,787/mo
Long run
- Year 30: property vs stocks
- $2.62M vs $860K
- Cash flow turns positive
- year 5
The deal
- Price
- $675,000
- Cash to close
- $87,750
- Price per unit
- $337,500
- GRM
- 9.7
Each month
- Cash flow
- −$1,263/mo
- Cash-on-cash
- −17.3%
- Cap rate
- 5.6%
- DSCR
- 0.71×
Break-even
- Price that breaks even
- $482,254
- Rent that breaks even
- $7,590/mo
Long run
- Year 30: property vs stocks
- $2.10M vs $1.11M
- Cash flow turns positive
- year 10
The deal
- Price
- $685,000
- Cash to close
- $157,550
- Price per unit
- $342,500
- GRM
- 9.8
Each month
- Cash flow
- $6/mo
- Cash-on-cash
- 0.0%
- Cap rate
- 6.4%
- DSCR
- 1.00×
Break-even
- Price that breaks even
- $686,091
- Rent that breaks even
- $5,818/mo
Long run
- Year 30: property vs stocks
- $3.02M vs $1.20M
- Cash flow turns positive
- year 1
The deal
- Price
- $685,000
- Cash to close
- $157,550
- Price per unit
- $342,500
- GRM
- 9.8
Each month
- Cash flow
- −$487/mo
- Cash-on-cash
- −3.7%
- Cap rate
- 5.5%
- DSCR
- 0.87×
Break-even
- Price that breaks even
- $593,503
- Rent that breaks even
- $6,506/mo
Long run
- Year 30: property vs stocks
- $2.37M vs $1.32M
- Cash flow turns positive
- year 7
The deal
- Price
- $675,000
- Cash to close
- $155,250
- Price per unit
- $337,500
- GRM
- 9.7
Each month
- Cash flow
- $59/mo
- Cash-on-cash
- 0.5%
- Cap rate
- 6.5%
- DSCR
- 1.02×
Break-even
- Price that breaks even
- $686,091
- Rent that breaks even
- $5,751/mo
Long run
- Year 30: property vs stocks
- $3.06M vs $1.18M
- Cash flow turns positive
- year 1
The deal
- Price
- $675,000
- Cash to close
- $155,250
- Price per unit
- $337,500
- GRM
- 9.7
Each month
- Cash flow
- −$434/mo
- Cash-on-cash
- −3.4%
- Cap rate
- 5.6%
- DSCR
- 0.88×
Break-even
- Price that breaks even
- $593,503
- Rent that breaks even
- $6,431/mo
Long run
- Year 30: property vs stocks
- $2.39M vs $1.28M
- Cash flow turns positive
- year 6
The deal
- Price
- $685,000
- Cash to close
- $191,800
- Price per unit
- $342,500
- GRM
- 9.8
Each month
- Cash flow
- $234/mo
- Cash-on-cash
- 1.5%
- Cap rate
- 6.4%
- DSCR
- 1.07×
Break-even
- Price that breaks even
- $731,831
- Rent that breaks even
- $5,533/mo
Long run
- Year 30: property vs stocks
- $3.28M vs $1.46M
- Cash flow turns positive
- year 1
The deal
- Price
- $685,000
- Cash to close
- $191,800
- Price per unit
- $342,500
- GRM
- 9.8
Each month
- Cash flow
- −$259/mo
- Cash-on-cash
- −1.6%
- Cap rate
- 5.5%
- DSCR
- 0.92×
Break-even
- Price that breaks even
- $633,070
- Rent that breaks even
- $6,187/mo
Long run
- Year 30: property vs stocks
- $2.55M vs $1.50M
- Cash flow turns positive
- year 4
The deal
- Price
- $675,000
- Cash to close
- $189,000
- Price per unit
- $337,500
- GRM
- 9.7
Each month
- Cash flow
- $284/mo
- Cash-on-cash
- 1.8%
- Cap rate
- 6.5%
- DSCR
- 1.08×
Break-even
- Price that breaks even
- $731,831
- Rent that breaks even
- $5,471/mo
Long run
- Year 30: property vs stocks
- $3.31M vs $1.44M
- Cash flow turns positive
- year 1
The deal
- Price
- $675,000
- Cash to close
- $189,000
- Price per unit
- $337,500
- GRM
- 9.7
Each month
- Cash flow
- −$209/mo
- Cash-on-cash
- −1.3%
- Cap rate
- 5.6%
- DSCR
- 0.94×
Break-even
- Price that breaks even
- $633,070
- Rent that breaks even
- $6,117/mo
Long run
- Year 30: property vs stocks
- $2.57M vs $1.47M
- Cash flow turns positive
- year 4
Monthly
Monthly breakdown
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Net operating income | $3,652 |
| Mortgage (principal + interest) | −$4,102 |
| PMI | −$385 |
| Cash flow | −$835 |
| Principal paid down (equity, not cash) | $522 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Property management | −$493 |
| Net operating income | $3,159 |
| Mortgage (principal + interest) | −$4,102 |
| PMI | −$385 |
| Cash flow | −$1,328 |
| Principal paid down (equity, not cash) | $522 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Net operating income | $3,652 |
| Mortgage (principal + interest) | −$4,042 |
| PMI | −$380 |
| Cash flow | −$770 |
| Principal paid down (equity, not cash) | $514 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Property management | −$493 |
| Net operating income | $3,159 |
| Mortgage (principal + interest) | −$4,042 |
| PMI | −$380 |
| Cash flow | −$1,263 |
| Principal paid down (equity, not cash) | $514 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Net operating income | $3,652 |
| Mortgage (principal + interest) | −$3,646 |
| Cash flow | $6 |
| Principal paid down (equity, not cash) | $464 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Property management | −$493 |
| Net operating income | $3,159 |
| Mortgage (principal + interest) | −$3,646 |
| Cash flow | −$487 |
| Principal paid down (equity, not cash) | $464 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Net operating income | $3,652 |
| Mortgage (principal + interest) | −$3,593 |
| Cash flow | $59 |
| Principal paid down (equity, not cash) | $457 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Property management | −$493 |
| Net operating income | $3,159 |
| Mortgage (principal + interest) | −$3,593 |
| Cash flow | −$434 |
| Principal paid down (equity, not cash) | $457 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Net operating income | $3,652 |
| Mortgage (principal + interest) | −$3,418 |
| Cash flow | $234 |
| Principal paid down (equity, not cash) | $435 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Property management | −$493 |
| Net operating income | $3,159 |
| Mortgage (principal + interest) | −$3,418 |
| Cash flow | −$259 |
| Principal paid down (equity, not cash) | $435 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Net operating income | $3,652 |
| Mortgage (principal + interest) | −$3,368 |
| Cash flow | $284 |
| Principal paid down (equity, not cash) | $429 |
| Rent | $5,825 |
| Vacancy (6%) | −$350 |
| Collected | $5,476 |
| Property tax Listing | −$559 |
| Insurance Estimate | −$219 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (7% of rent) | −$408 |
| Capital reserve (7% of rent) | −$408 |
| Property management | −$493 |
| Net operating income | $3,159 |
| Mortgage (principal + interest) | −$3,368 |
| Cash flow | −$209 |
| Principal paid down (equity, not cash) | $429 |
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
- $1,562,915
- Rental profits, invested at 7%
- $1,031,523
Sells for $1,662,675 (value up 3% a year), minus 6% selling cost ($99,760). Rent paid down $616,500 of loan.
$573,305 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $677,871
- Monthly shortfalls, invested
- $212,713
$89,050 put into an index fund instead of the down payment and closing costs.
$32,589 you'd have paid in while the building lost money, invested instead.
The building comes out $1,703,853 ahead after 30 years.
- Your equity when you sell
- $1,562,915
- Rental profits, invested at 7%
- $532,517
Sells for $1,662,675 (value up 3% a year), minus 6% selling cost ($99,760). Rent paid down $616,500 of loan.
$338,744 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $677,871
- Monthly shortfalls, invested
- $480,249
$89,050 put into an index fund instead of the down payment and closing costs.
$79,368 you'd have paid in while the building lost money, invested instead.
The building comes out $937,311 ahead after 30 years.
- Your equity when you sell
- $1,540,098
- Rental profits, invested at 7%
- $1,079,970
Sells for $1,638,402 (value up 3% a year), minus 6% selling cost ($98,304). Rent paid down $607,500 of loan.
$591,821 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $667,975
- Monthly shortfalls, invested
- $191,547
$87,750 put into an index fund instead of the down payment and closing costs.
$29,280 you'd have paid in while the building lost money, invested instead.
The building comes out $1,760,546 ahead after 30 years.
- Your equity when you sell
- $1,540,098
- Rental profits, invested at 7%
- $562,962
Sells for $1,638,402 (value up 3% a year), minus 6% selling cost ($98,304). Rent paid down $607,500 of loan.
$353,370 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $667,975
- Monthly shortfalls, invested
- $441,081
$87,750 put into an index fund instead of the down payment and closing costs.
$72,168 you'd have paid in while the building lost money, invested instead.
The building comes out $994,004 ahead after 30 years.
- Your equity when you sell
- $1,562,915
- Rental profits, invested at 7%
- $1,454,616
Sells for $1,662,675 (value up 3% a year), minus 6% selling cost ($99,760). Rent paid down $548,000 of loan.
$723,274 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,199,311
$157,550 put into an index fund instead of the down payment and closing costs.
The building comes out $1,818,219 ahead after 30 years.
- Your equity when you sell
- $1,562,915
- Rental profits, invested at 7%
- $806,840
Sells for $1,662,675 (value up 3% a year), minus 6% selling cost ($99,760). Rent paid down $548,000 of loan.
$460,231 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,199,311
- Monthly shortfalls, invested
- $118,766
$157,550 put into an index fund instead of the down payment and closing costs.
$18,296 you'd have paid in while the building lost money, invested instead.
The building comes out $1,051,678 ahead after 30 years.
- Your equity when you sell
- $1,540,098
- Rental profits, invested at 7%
- $1,514,947
Sells for $1,638,402 (value up 3% a year), minus 6% selling cost ($98,304). Rent paid down $540,000 of loan.
$742,435 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,181,803
$155,250 put into an index fund instead of the down payment and closing costs.
The building comes out $1,873,242 ahead after 30 years.
- Your equity when you sell
- $1,540,098
- Rental profits, invested at 7%
- $846,475
Sells for $1,638,402 (value up 3% a year), minus 6% selling cost ($98,304). Rent paid down $540,000 of loan.
$476,048 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,181,803
- Monthly shortfalls, invested
- $98,070
$155,250 put into an index fund instead of the down payment and closing costs.
$14,953 you'd have paid in while the building lost money, invested instead.
The building comes out $1,106,701 ahead after 30 years.
- Your equity when you sell
- $1,562,915
- Rental profits, invested at 7%
- $1,712,909
Sells for $1,662,675 (value up 3% a year), minus 6% selling cost ($99,760). Rent paid down $513,750 of loan.
$805,306 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,460,031
$191,800 put into an index fund instead of the down payment and closing costs.
The building comes out $1,815,792 ahead after 30 years.
- Your equity when you sell
- $1,562,915
- Rental profits, invested at 7%
- $987,757
Sells for $1,662,675 (value up 3% a year), minus 6% selling cost ($99,760). Rent paid down $513,750 of loan.
$530,035 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,460,031
- Monthly shortfalls, invested
- $41,390
$191,800 put into an index fund instead of the down payment and closing costs.
$6,068 you'd have paid in while the building lost money, invested instead.
The building comes out $1,049,252 ahead after 30 years.
- Your equity when you sell
- $1,540,098
- Rental profits, invested at 7%
- $1,769,469
Sells for $1,638,402 (value up 3% a year), minus 6% selling cost ($98,304). Rent paid down $506,250 of loan.
$823,269 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,438,716
$189,000 put into an index fund instead of the down payment and closing costs.
The building comes out $1,870,851 ahead after 30 years.
- Your equity when you sell
- $1,540,098
- Rental profits, invested at 7%
- $1,032,356
Sells for $1,638,402 (value up 3% a year), minus 6% selling cost ($98,304). Rent paid down $506,250 of loan.
$546,202 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,438,716
- Monthly shortfalls, invested
- $29,428
$189,000 put into an index fund instead of the down payment and closing costs.
$4,272 you'd have paid in while the building lost money, invested instead.
The building comes out $1,104,309 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 $2.59M, stocks $891K. The property wins.
Year 30 (loan paid off): property $2.10M, stocks $1.16M. The property wins.
Year 30 (loan paid off): property $2.62M, stocks $860K. The property wins.
Year 30 (loan paid off): property $2.10M, stocks $1.11M. The property wins.
Year 30 (loan paid off): property $3.02M, stocks $1.20M. The property wins.
Year 30 (loan paid off): property $2.37M, stocks $1.32M. The property wins.
Year 30 (loan paid off): property $3.06M, stocks $1.18M. The property wins.
Year 30 (loan paid off): property $2.39M, stocks $1.28M. The property wins.
Year 30 (loan paid off): property $3.28M, stocks $1.46M. The property wins.
Year 30 (loan paid off): property $2.55M, stocks $1.50M. The property wins.
Year 30 (loan paid off): property $3.31M, stocks $1.44M. The property wins.
Year 30 (loan paid off): property $2.57M, stocks $1.47M. 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 / 2 bath estimate $3,150/mo · range $3,150–$3,150
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 7341 Cactus Curv, Chanhassen 55317 off market | $2,495 | 4 / 2 | 3.7 mi | 78% |
| 3159 Northview Rd, Minnetonka Beach 55391 | $5,000 | 4 / 1.5 | 2.5 mi | 77% |
| 21055 Forest Dr, Shorewood 55331 off market | $4,200 | 4 / 3 | 3.0 mi | 76% |
| 4720 Palmer Ct, Minnetrista 55331 off market | $3,495 | 4 / 2.5 | 3.0 mi | 76% |
| 6301A Bay Ridge Rd, Mound 55364 off market | $7,000 | 4 / 2 | 4.1 mi | 76% |
| 6743 Bluestem Way, Minnetrista 55364 off market | $2,900 | 4 / 2.5 | 4.5 mi | 75% |
| 1161 Elmwood Ave, Orono 55364 | $7,000 | 4 / 2.5 | 3.9 mi | 75% |
| 4440 Denbigh Rd, Mound 55364 off market | $5,900 | 4 / 2 | 2.4 mi | 74% |
| 3942 Enchanted Ln, Minnetrista 55364 | $8,550 | 4 / 2 | 2.3 mi | 73% |
| 5585 Orchard Cv, Mound 55364 | $4,995 | 4 / 2.5 | 4.9 mi | 73% |
3 bed / 2 bath estimate $2,675/mo · range $2,675–$2,675
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 100 West Dr, Excelsior 55331 off market | $9,250 | 3 / 3 | 1.8 mi | 82% |
| 3713 Livingston Ave, Wayzata 55391 off market | $1,995 | 3 / 2.5 | 2.4 mi | 82% |
| 7 West Dr, Excelsior 55331 | $7,550 | 2 / 2 | 1.8 mi | 78% |
| 11 West Dr, Excelsior 55331 off market | $7,550 | 2 / 2 | 1.8 mi | 78% |
| 4941 Island View Dr, Mound 55364 | $6,400 | 3 / 1 | 2.5 mi | 77% |
| 3 Crescent St, Wayzata 55391 off market | $10,000 | 3 / 2 | 2.9 mi | 77% |
| 2 West Dr, Excelsior 55331 off market | $8,750 | 2 / 2.5 | 1.8 mi | 77% |
| 4 West Dr, Excelsior 55331 off market | $8,250 | 2 / 2.5 | 1.8 mi | 77% |
| 1649 Gull Ln, Mound 55364 off market | $3,345 | 3 / 2.5 | 3.8 mi | 76% |
| 4018 Sunset Dr, Spring Park 55384 | $7,500 | 3 / 1.5 | 2.6 mi | 76% |
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
- highPriced well above what rents support; negative cash flow at ask Based on: data: underwriting · AI review
- mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 25640 WILD ROSE LN
- mediumNo rents, lease status or income figures given despite 'strong rental income potential' Listing says: strong rental income potential · AI review
- lowLower-level bedrooms are described as egress or flexible; confirm they are legal bedrooms Listing says: plus a fourth egress bedroom or flexible living space in the lower level · AI review
- lowElectric baseboard heat is expensive for tenants and may limit rent or appeal Listing says: the ever reliable electric baseboard heat in very comfortable · AI review
Opportunities
- Owner-occupy one side and rent the other to offset housing cost Listing says: Live in One. Rent the Other...Own your home in Shorewood while offsetting your housing costs. · AI review
- Separate meters keep utilities with tenants Listing says: Both units have separate utility meters · AI review
- No rent cap lets rents move with the market Based on: data: underwriting.rent_rule · AI review
- Basements have room to expand Listing says: room to expand in the basements · AI review
Questions for the agent
- What are the current rents, lease terms and security deposits for each unit, and is either unit occupied?
- Can you provide invoices or permits for the $100,000 in improvements, especially windows, plumbing and A/C?
- What are the current property taxes, and what would they be for a non-homestead investor?
- Is the duplex legal under Shorewood zoning, and does it have or need a rental license?
- What are typical monthly electric bills for each unit with baseboard heat?
- Why has it been on the market 52 days, and is the seller flexible on price?
Bottom line
Nicely updated Shorewood duplex, but at $685K it only breaks even as a pure rental, so it works best for an owner-occupant or at a lower price. 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. | $6,711 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,629 |
| 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. "fully updated" in the description: -1 pts each | 7% / 7% |
Price history Realtor.com
On the market since 2026-06-28 (99 days); last sold for $214,000 on 2000-12-04.
| Date | Event | Price |
|---|---|---|
| Relisted | $685,000 | |
| Removed | $685,000 | |
| Removed | $635,000 | |
| Removed | $599,000 | |
| Sold public record | $214,000 | |
| Sold public record | $132,000 |
From the listing Listing
| Listed as | duplex side x side |
| Property tax, 2026 | $6,711 |
| County | Hennepin |
| Parcel number | 3211723110021 |
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 Shorewood on rental licensing before you buy.