Seasonal

Time-sensitive advice for Twin Cities owners: winter vacant-house risk, spring tax forfeiture notices and more.

Seasonal September 24, 2026

Heading into winter 2026-27 with a vacant house in the Twin Cities? Frozen pipes, insurance vacancy clauses and your four options, before November.

By Ryan Quade

Offer within 24 hours. No obligation.

Every option on the table. One conversation.

Every option on the table. We'll tell you which one wins, even if that means we send you to a lender instead.

Your four options

Ryan Quade, MN licensed salesperson #40924708 with Coldwell Banker Realty, compares all four in writing.

7 to 14 days. ARV minus repairs, holding costs and our margin.

Trade-off: Below market value.

30 to 60 days, often more to closing. Standard commission, in writing up front.

Trade-off: Takes longer; some prep and showings.

Varies by deal. Negotiated per deal.

Trade-off: More complex; needs legal drafting.

Set by the lender. Lender referral; no fee to you.

Trade-off: You must qualify.

Minnesota fact: in most foreclosures you can still sell during the six-month redemption period after the sheriff's sale (Minn. Stat. 580.23).