Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $3,920 (2026).

What school district is this property in?

This property is in the 227 - Chatfield school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 50 days.

Listed at

$319,900

$157/sqft

Chatfield Outlots S5 & 6-104-1

428 Winona Street, Chatfield, MN, 55923

3 Bedrooms2 Bathrooms2,033 Square Feet0.32 Acres

Days on market50

Year built1890

Garage spaces2

TypeResidential

Est. $6,597buyer credit when you buy with SODL

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About this home

Step back in time while enjoying modern updates in this charming Victorian home situated on a large corner lot surrounded by beautiful mature trees. Freshly painted exterior in June 2026 and featuring a new roof in 2023, this home offers incredible curb appeal with its inviting wraparound porch and new side deck (2018), perfect for relaxing or entertaining. Inside, you'll be captivated by the stunning open staircase, original woodwork, 9-foot ceilings, hardwood floors, built-ins, and abundant character throughout. The spacious main floor features an open kitchen, formal and informal dining areas, a comfortable living room, and a cozy family room with a gas fireplace that was rebuilt in 2024. A beautifully remodeled 3/4 bathroom completed in 2025 adds modern convenience. Upstairs, you'll find three bedrooms on one level, a full bathroom, and the convenience of an upper level laundry room. Additional updates include replacement windows, a new sump pump in 2025, and numerous improvements that enhance both comfort and peace of mind. The oversized garage offers exceptional flexibility with a bonus room in the back ideal for a workout space, hobby room, storage area, workshop, or entertaining guests. This timeless Victorian combines historic charm, thoughtful updates, and a fantastic corner lot setting to create a truly special place to call home.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1890

LevelsTwo

Living area2,033 sqft

Above-grade finished2,033 sqft

Below-grade finished0 sqft

Lot size0.32 acres (116x120)

Days on market50

ListedJul 1, 2026

MLS #NST7101998

CountyFillmore

SubdivisionChatfield Outlots S5 & 6-104-1

Parcel #260007000

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Boiler
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: Two
Garage: 2 spaces · 30x40 · 1,200 sqft
Parking features: Detached Garage, Concrete, Electric, Floor Drain, Garage Door Opener, Insulated Garage, Storage
Patio & porch: Deck, Enclosed, Patio, Wrap Around
Exterior features: Wood
Lot size: 0.32 acres

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Stone
Foundation: Stone · 360 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1890

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision: Chatfield Outlots S5 & 6-104-1
HOA: No HOA
School district: 227 - Chatfield
High school district: Chatfield

Financial & listing details

Annual tax: $3,920 (2026)
Listed: Jul 1, 2026
Days on market: 50 · 13 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementPartial, Sump Basket, Sump Pump, Unfinished

HeatingBoiler

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Sink, Upper Level

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningBreakfast Bar, Informal Dining Room, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Center Island, Kitchen Window, Patio, Porch, Tile Floors, Walk-In Closet

AccessibilityNone

Special features3 BR on One Level

Exterior & lot

ExteriorWood

RoofAge 8 Years or Less, Asphalt

FoundationStone

Foundation area360 sqft

Patio/porchDeck, Enclosed, Patio, Wrap Around

Lot featuresCorner Lot, Tree Coverage - Medium

Road frontageCity Street, Curbs, Paved Streets, Sidewalks, Street Lights

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete, Electric, Floor Drain, Garage Door Opener, Insulated Garage, Storage

Garage spaces2

Garage size1,200 sqft

Financial details

Annual taxes$3,920

Tax year2026

Taxes w/ assessments3920

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District227 - Chatfield

District number227

District phone5078674210

High schoolChatfield

SODL flat fee brokerage

$6,597Estimated buyer credit

SODL platform fee $3,000Your buyer credit $6,597

Buyer-side commission

3.0%

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.

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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

$2,115/mo

Principal & interest$1,681

Property taxes$327

Home insurance (est.)$107

Down payment

$63,980

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.