I lived in a smaller house than that (about 900sf) in SW Minneapolis. Built in the late 40's/early 50's, it was really a beautiful little house with trim similar to what you describe.

But then I moved to the suburbs to a boring 1980's ranch house a bit more than 2x the size and watched my heating & cooling bills drop to less than half what they were before. Charming as the Mpls house was, its HVAC costs were insane (since it was my first house, I had no frame of reference). There's a lot to be said for thick insulation and modern windows.

I live in an even larger house now, with a largely glass east-facing wall and my heating bills are about the same as the second house. Again, modern insulation & 12" thick walls makes a huge difference.