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Selling in the St. Croix Valley? Utility Questions

Thinking about selling your home? Get in touch. We'll guide you through every step of the process to ensure a smooth transaction...

  • Richard McDonough
  • October 20th, 2026
  • 1 min read

As the leaves drop along the St. Croix and the furnace starts running, buyers are thinking about winter. After they've seen the kitchen and the view, many will ask what the house costs to heat.

Clear, accurate answers help. These are the questions sellers in Stillwater, Hudson, and the surrounding area commonly hear.

What Do Utilities Cost Throughout the Year?

Buyers want a monthly range. Heating bills peak in January and February, and the difference between winter and summer can be large.

Many homes are served by Xcel Energy, while rural properties may be on a local electric cooperative. Download at least a year of billing history to show the seasonal pattern. If you're on a budget plan, mention it. Usage in kilowatt-hours and therms is often more useful than dollar amounts.

Your bills describe how your household used the home. They aren't a forecast for the next owner.

Do You Heat With Propane or Wood?

Many homes outside town heat with propane. Instead of a monthly bill, there are deliveries. Gather a year of delivery records, note whether the tank is owned or leased, and share the supplier. Leased tanks often require the buyer to set up an account with that supplier. If you use a wood stove or fireplace, share how often and whether it's been inspected.

What Should Buyers Know About the Heating System?

Share the system type, fuel, and approximate age. Forced-air furnaces, boilers, in-floor radiant heat, and heat pumps each come with different expectations. Gather service records. Lifespan and sizing questions belong with a licensed technician or the buyer's inspector.

How Are Water and Sewer Handled?

In town, water and sewer come from the city. Many valley properties use a private well and septic system instead. Buyers will ask when the septic was last pumped, the results of recent water tests, and the age of the well pump. Some counties require septic compliance inspections at sale, so talk with us early about what applies.

Are There Comfort Problems?

A bedroom over the garage that stays cool in winter, ice dams on the north side, or a drafty window is useful information. Describe it accurately and share what you've done. Minnesota and Wisconsin have different disclosure requirements, so talk with us about what applies to your home.

If you're preparing to sell, ask us which running-cost information would be useful to have ready for buyers considering your home.

Frequently Asked Questions

How do I show propane costs to buyers?

Share a year of delivery records and note whether the tank is owned or leased.

Do buyers ask about ice dams in Minnesota?

Often. Describe any history and what you've done to address it.

Is a septic inspection required to sell in the St. Croix Valley?

Some counties require one at sale. Ask us what applies to your property.

Are disclosure rules different in Wisconsin and Minnesota?

Yes. Each state has its own forms and requirements.

Should I share well water test results?

Yes, recent results are helpful to buyers.

Do I have to share utility bills?

It isn't required, but many buyers ask.

Thinking about selling your home?

Get in touch. We'll guide you through every step of the process to ensure a smooth transaction that meets your goals.

Let's Talk

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Richard McDonough

Richard McDonough

124 North Main Street, Stillwater, MN. 55082

124 North Main Street, Stillwater, MN. 55082

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