25640 Wild Rose Ln

48 photos

Photos courtesy of Edina Realty, Inc., via Realtor.com.

Asking price: $685,000
Monthly cash flow: −$114
Estimated rent: $5,675/mo
Break-even price: $663,545

Adjust the numbers See the full breakdown

From the listing

Rare Shorewood duplex offering an exceptional opportunity for both owner-occupants and investors. This property features two separate living spaces, strong rental income potential, and a highly desirable location in one of Lake Minnetonka's most sought-after communities. Live in One. Rent the Other...Own your home in Shorewood while offsetting your housing costs. Owner occupants also can appreciate the privacy and separation from the rental unit and a private wooded setting. The larger east-side unit features three spacious upper-level bedrooms, plus a fourth egress bedroom or flexible living space in the lower level. The west-side unit offers two upper-level bedrooms, along with a third egress bedroom in the lower level. Both units have been thoughtfully updated with modern kitchens and baths, featuring fine finishes and custom cabinetry throughout. Both units have separate utility meters, plus the ever reliable electric baseboard heat in very comfortable. additional features are large garages, fenced yards and abundant storage plus room to expand in the basements. With well over $100,000 in recent improvements, including a new driveway, windows, interior and exterior paint, plumbing and fixtures, insulation, tree maintenance, appliances, A/C units, and gutters. These thoughtful updates provide peace of mind and are designed to offer years of comfortable ownership with reduced maintenance and fewer major capital expenses. The surrounding area is experiencing significant redevelopment and investment, further enhancing the property's long-term value and appeal. Whether you're looking to offset your mortgage with rental income, expand your investment portfolio, or capitalize on future growth, this is a rare opportunity in a thriving market. With this move-in ready residence, owner occupants will appreciate the privacy and separation from the rental unit and a private wooded setting. Investors will appreciate the strong demand for housing within the highly sought-after Minnetonka School District, along with this property's nearly walkable location to Minnewashta Elementary. The combination of an excellent school district, convenient location, and strong rental demand makes this an attractive opportunity for investors seeking long-term value and reliable tenant appeal.

Listing courtesy of Edina Realty, Inc. (Tim Berg, Realtor). Description from Realtor.com, MLS #7127386. Believed reliable but not guaranteed; confirm with the listing agent. View on Realtor.com ↗

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: $157,550
Price per unit: $342,500
GRM: 10.1

Each month

Cash flow: −$114/mo
Cash-on-cash: −0.9%
Cap rate: 6.2%
DSCR: 0.97×

Break-even

Price that breaks even: $663,545
Rent that breaks even: $5,818/mo

Long run

Year 30: property vs stocks: $2.84M vs $1.21M
Cash flow turns positive: year 3

Monthly

Monthly breakdown

Rent	$5,675
Vacancy (6%)	−$340
Collected	$5,334
Property tax Listing	−$559
Insurance Estimate	−$219
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (7% of rent)	−$397
Capital reserve (7% of rent)	−$397
Net operating income	$3,532
Mortgage (principal + interest)	−$3,646
Cash flow	−$114
Principal paid down (equity, not cash)	$464

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

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,662,675
Minus 6% selling cost	−$99,760
Minus loan still owedTenants' rent paid down all $616,500 of principal by year 30	$0
Plus rental profits, invested at 7%$512,874 of profit by year 30, before investment growth	$894,592
What you'd walk away with	$2,457,506
If you put the same money in stocks
Cash to close ($89,050) invested at 7%	$677,871
Monthly shortfalls ($40,667 total by yr 30) investedThe money you'd have put into the building while it lost money	$262,442
What you'd walk away with	$940,313
Building minus stocks	$1,517,193

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,662,675
Minus 6% selling cost	−$99,760
Minus loan still owedTenants' rent paid down all $616,500 of principal by year 30	$0
Plus rental profits, invested at 7%$293,056 of profit by year 30, before investment growth	$446,179
What you'd walk away with	$2,009,093
If you put the same money in stocks
Cash to close ($89,050) invested at 7%	$677,871
Monthly shortfalls ($94,943 total by yr 30) investedThe money you'd have put into the building while it lost money	$560,831
What you'd walk away with	$1,238,702
Building minus stocks	$770,391

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,638,402
Minus 6% selling cost	−$98,304
Minus loan still owedTenants' rent paid down all $607,500 of principal by year 30	$0
Plus rental profits, invested at 7%$530,405 of profit by year 30, before investment growth	$937,843
What you'd walk away with	$2,477,941
If you put the same money in stocks
Cash to close ($87,750) invested at 7%	$667,975
Monthly shortfalls ($36,372 total by yr 30) investedThe money you'd have put into the building while it lost money	$236,079
What you'd walk away with	$904,055
Building minus stocks	$1,573,886

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,638,402
Minus 6% selling cost	−$98,304
Minus loan still owedTenants' rent paid down all $607,500 of principal by year 30	$0
Plus rental profits, invested at 7%$306,708 of profit by year 30, before investment growth	$473,037
What you'd walk away with	$2,013,135
If you put the same money in stocks
Cash to close ($87,750) invested at 7%	$667,975
Monthly shortfalls ($86,770 total by yr 30) investedThe money you'd have put into the building while it lost money	$518,076
What you'd walk away with	$1,186,051
Building minus stocks	$827,084

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,662,675
Minus 6% selling cost	−$99,760
Minus loan still owedTenants' rent paid down all $548,000 of principal by year 30	$0
Plus rental profits, invested at 7%$656,295 of profit by year 30, before investment growth	$1,278,765
What you'd walk away with	$2,841,679
If you put the same money in stocks
Cash to close ($157,550) invested at 7%	$1,199,311
Monthly shortfalls ($1,530 total by yr 30) investedThe money you'd have put into the building while it lost money	$10,808
What you'd walk away with	$1,210,119
Building minus stocks	$1,631,560

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,662,675
Minus 6% selling cost	−$99,760
Minus loan still owedTenants' rent paid down all $548,000 of principal by year 30	$0
Plus rental profits, invested at 7%$407,749 of profit by year 30, before investment growth	$692,139
What you'd walk away with	$2,255,054
If you put the same money in stocks
Cash to close ($157,550) invested at 7%	$1,199,311
Monthly shortfalls ($27,077 total by yr 30) investedThe money you'd have put into the building while it lost money	$170,985
What you'd walk away with	$1,370,296
Building minus stocks	$884,758

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,638,402
Minus 6% selling cost	−$98,304
Minus loan still owedTenants' rent paid down all $540,000 of principal by year 30	$0
Plus rental profits, invested at 7%$674,658 of profit by year 30, before investment growth	$1,333,492
What you'd walk away with	$2,873,590
If you put the same money in stocks
Cash to close ($155,250) invested at 7%	$1,181,803
Monthly shortfalls ($732 total by yr 30) investedThe money you'd have put into the building while it lost money	$5,205
What you'd walk away with	$1,187,007
Building minus stocks	$1,686,583

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,638,402
Minus 6% selling cost	−$98,304
Minus loan still owedTenants' rent paid down all $540,000 of principal by year 30	$0
Plus rental profits, invested at 7%$422,626 of profit by year 30, before investment growth	$727,155
What you'd walk away with	$2,267,254
If you put the same money in stocks
Cash to close ($155,250) invested at 7%	$1,181,803
Monthly shortfalls ($22,794 total by yr 30) investedThe money you'd have put into the building while it lost money	$145,670
What you'd walk away with	$1,327,473
Building minus stocks	$939,781

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,662,675
Minus 6% selling cost	−$99,760
Minus loan still owedTenants' rent paid down all $513,750 of principal by year 30	$0
Plus rental profits, invested at 7%$736,797 of profit by year 30, before investment growth	$1,526,249
What you'd walk away with	$3,089,163
If you put the same money in stocks
Cash to close ($191,800) invested at 7%	$1,460,031
Monthly shortfalls ($0 total by yr 30) investedThe money you'd have put into the building while it lost money	$0
What you'd walk away with	$1,460,031
Building minus stocks	$1,629,132

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,662,675
Minus 6% selling cost	−$99,760
Minus loan still owedTenants' rent paid down all $513,750 of principal by year 30	$0
Plus rental profits, invested at 7%$474,014 of profit by year 30, before investment growth	$854,613
What you'd walk away with	$2,417,527
If you put the same money in stocks
Cash to close ($191,800) invested at 7%	$1,460,031
Monthly shortfalls ($11,311 total by yr 30) investedThe money you'd have put into the building while it lost money	$75,166
What you'd walk away with	$1,535,196
Building minus stocks	$882,331

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,638,402
Minus 6% selling cost	−$98,304
Minus loan still owedTenants' rent paid down all $506,250 of principal by year 30	$0
Plus rental profits, invested at 7%$754,760 of profit by year 30, before investment growth	$1,582,810
What you'd walk away with	$3,122,908
If you put the same money in stocks
Cash to close ($189,000) invested at 7%	$1,438,716
Monthly shortfalls ($0 total by yr 30) investedThe money you'd have put into the building while it lost money	$0
What you'd walk away with	$1,438,716
Building minus stocks	$1,684,192

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,638,402
Minus 6% selling cost	−$98,304
Minus loan still owedTenants' rent paid down all $506,250 of principal by year 30	$0
Plus rental profits, invested at 7%$489,514 of profit by year 30, before investment growth	$895,368
What you'd walk away with	$2,435,466
If you put the same money in stocks
Cash to close ($189,000) invested at 7%	$1,438,716
Monthly shortfalls ($8,848 total by yr 30) investedThe money you'd have put into the building while it lost money	$59,360
What you'd walk away with	$1,498,077
Building minus stocks	$937,389

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

This propertyStocks at 7%

Year 30 (loan paid off): property $2.84M, stocks $1.21M. The property wins.

Comparable rentals

The closest rental listings with each unit's bedroom count, as of 2026-10-04. The estimate is the median asking rent of every rental we found nearby (the count is shown for each); houses are left out. Asking rents from Realtor.com rental listings, not signed leases.

4 bed estimate $3,150/mo · range $2,525–$3,150 · 222 rentals in Hennepin County

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
4760 Ironwood Cir, Medina	$3,249	4 / 3	1,637	7.3 mi	2026-06-30	Apartment
3714 Kipling Ave S, Saint Louis Park	$2,300	4 / 2	1,642	13.4 mi	2025-10-15	Multi family
3448 Girard Ave S, Minneapolis	$2,595	4 / 2	2,200	15.3 mi	2026-08-28	Apartment
7300 Bass Lake Rd, New Hope	$1,750	4 / 2	1,765	15.5 mi	2026-07-17	Apartment
2411 Golden Valley Rd Unit 2, Minneapolis	$2,195	5 / 2	—	15.8 mi	2026-07-30	Multi family
1924 Colfax Ave S, Minneapolis	$2,550	4 / 2	1,574	15.9 mi	2026-07-08	Apartment
1030 Knox Ave N, Minneapolis	$2,450	5 / 1.5	1,500	16.0 mi	2026-01-31	Apartment
1030 Knox Ave N, Minneapolis	$2,099	4 / 1	900	16.0 mi	2026-01-31	Apartment
2449 Lyndale Ave S, Minneapolis	$2,395	4 / 3	1,804	16.0 mi	2026-06-02	Apartment
2529 Pleasant Ave Unit 2, Minneapolis	$2,500	4 / 2	2,000	16.2 mi	2026-08-25	Apartment

3 bed estimate $2,525/mo · range $2,050–$3,675 · 21 rentals within 10 mi

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
5603 Manitou Rd, Tonka Bay	$4,208	3 / 2	1,712	0.8 mi	2024-06-11	Apartment
18900 Stratford Rd, Minnetonka	$1,946	3 / 1.5	1,350	4.2 mi	2024-04-12	Apartment
4701 Kings Point Rd, Minnetrista	$3,867	3 / 2	1,821	5.0 mi	2024-05-18	Apartment
17830 Valley Cove Ct, Minnetonka	$3,500	3 / 2	2,129	5.4 mi	2026-09-18	Multi family
4760 Ironwood Cir, Medina	$2,999	3 / 3	1,637	7.3 mi	2026-06-30	Apartment
5285 Manchester Dr, Maple Plain	$1,595	3 / 1	1,300	7.9 mi	2025-01-03	Apartment
14030 Chestnut Dr, Eden Prairie	$2,105	3 / 1.5	1,380	8.1 mi	2025-03-06	Apartment
13905 Chestnut Dr, Eden Prairie	$2,427	3 / 2	1,260	8.2 mi	2024-06-11	Apartment
501 Carlson Pkwy, Minnetonka	$3,576	3 / 2	1,457	8.4 mi	2024-06-11	Apartment
11050 Red Circle Dr, Minnetonka	$3,985	3 / 2	1,684	9.1 mi	2024-04-12	Apartment

On the maps, this property and comparable rentals. Comparable rentals and rent estimate: Realtor.com rental listings. 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 25640 WILD ROSE LN

Opportunities

None found.

Questions for the agent

Can we see the current leases and a rent roll, with move-in dates?
What did water/sewer/trash, heat and electric cost the owner over the last 12 months?
How old are the roof, boiler or furnaces, water heaters and electrical panels?
Is the building licensed as a rental for this many units, and when was the last city inspection?
Any special assessments pending, and will the seller pay them off at closing?

Standard questions worth asking about any building.

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%

Status history

2026-08-14Price increase at $685,000 (was $635,000) · from listing history
2026-08-14New at $685,000

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.