Listed at
$255,000
$132/sqft

Hansons Add

109 Stephen Drive, Fertile, MN, 56540
3  Bedrooms3  Bathrooms1,932  Square Feet0.327  Acres
Days on market409
Year built1978
Garage spaces2
TypeResidential
Est. $4,650buyer credit when you buy with SODL
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About this home

Welcome home to this beautifully maintained 3-bedroom (with the potential for a 4th), 3-bath rambler tucked into a quiet, well-kept community. Offering abundant space, thoughtful updates, and a stunning outdoor setting, this property is ideal for anyone seeking comfort, beauty, and functionality in one inviting package. Inside, you’ll immediately feel the care and pride of ownership throughout. The home features updated appliances, newer triple-paned windows and flooring (entire main floor), and laundry on both levels for ultimate convenience. The spacious primary en-suite includes a walk-in shower, creating a comfortable retreat at the end of each day. There is also a window in the bath for natural light. Both main floor baths were recently remodeled. With multiple living areas and flexible rooms, you’ll have plenty of options for guests, hobbies, home offices, or entertainment—whatever suits your lifestyle. The lower level is fully finished except for the laundry/utility room, which is bright, clean, and thoughtfully organized. It includes a washer and dryer, deep freeze, built-in shelving, a utility sink, and plenty of storage space—making this often-overlooked part of the home both practical and pleasant. Outdoors, the property truly shines. The fenced backyard offers exceptional privacy with its mature trees, established flowerbeds, and beautifully landscaped gardens. Whether you love to relax outside, entertain, or spend time gardening, this space is ready to enjoy from the moment you arrive. With room to grow, gather, and create, the yard feels like your own peaceful retreat. With an attached two car garage, a welcoming layout, and a warm, well-cared-for feel throughout, this home is ready to offer years of comfort and enjoyment to its next owner.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1978
LevelsOne
Living area1,932 sqft
Above-grade finished1,288 sqft
Below-grade finished644 sqft
Lot size0.327 acres (14250 sf)
Days on market409
ListedAug 15, 2025
MLS #NST6758917
CountyPolk
SubdivisionHansons Add
Parcel #850049100

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Baseboard, In-Floor Heating
Cooling
Ductless Mini-Split
Laundry
Lower Level, Main Level

Property

Levels / stories
One
Garage
2 spaces · 24 x 26 · 624 sqft
Parking features
Attached Garage, Asphalt, Finished Garage
Patio & porch
Patio
Fencing
Wood
Lot size
0.327 acres

Construction

Property type
Residential
Property subtype
Single Family Residence
Construction materials
Frame
Foundation
1,288 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1978

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Electric

Community & HOA

Subdivision
Hansons Add
HOA
No HOA
School district
Fertile-Beltrami

Financial & listing details

Annual tax
$2,056 (2024)
Tax with assessments
2316
Listed
Aug 15, 2025
Days on market
409
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementFull
HeatingBaseboard, In-Floor Heating
CoolingDuctless Mini-Split
LaundryLower Level, Main Level
AmenitiesMain Floor Primary Bedroom
AccessibilityNone
Special featuresMain Floor Laundry

Exterior & lot

RoofAge Over 8 Years, Asphalt
Foundation area1,288 sqft
Patio/porchPatio
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelElectric

Parking & garage

ParkingAttached Garage, Asphalt, Finished Garage
Garage spaces2
Garage size624 sqft

Financial details

Annual taxes$2,056
Tax year2024
Taxes w/ assessments2316
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2022
District phone2189456933
High schoolFertile-Beltrami
SODL flat fee brokerage
$4,650Estimated buyer credit
SODL platform fee $3,000Your buyer credit $4,650

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$1,596/mo
Principal & interest$1,340
Property taxes$171
Home insurance (est.)$85
%
$51,000
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

109 Stephen Drive, Fertile, MN, 56540

Listing information

MLS #NST6758917
StatusActive
Last updatedJan 6, 2026, 3:51 AM
Originally listedAug 15, 2025, 2:07 PM
Listing officeMinnesota First Realty

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.