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3945 169th Ln NW, Andover, MN, 55304

5beds
3baths
5,840sqft
$874,900
$150price/sqft
$6,150/moest. monthly cost
$246,000/yrincome needed

About This Home

Magnificent home sitting on 3 acres with over 5800 square feet on a quiet cul de sac. Fully remodeled within the last decade with a new roof (2020) extensive landscaping, pool liner, new furnaces, & AC units (2017) electrical and plumbing (2011) and nothing original in this home. Year-round fun from the flowing creek & pond and indoor hot tub plus stargazing room above to the in-ground heated 18 x 36 swimming pool and the panoramic lounging areas, this home is sure to impress. Don't miss out on this unique and beautiful home sitting on a quiet and private lot on a cul-de-sac with a new roof installed within the last several years. Enjoy the large private outdoor patio with a bar and in-ground 18 x 36 heated pool (2005 final permit) in the summer and enjoy the indoor hot tub in the winter with stargazing room above with a curved staircase. Spend time lounging or playing games in the multiple living/family areas with panoramic views of the creek. Everything you can touch was basically redone within the last decade! Garage is ready for heat install as well.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

9/10
7/10
Anoka Senior High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1986

Materials

  • Roof: Asphalt,Pitched

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Exhaust Fan,Humidifier,Microwave,Refrigerator,Wall Oven,Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: None

Bedroom

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Bedroom2

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedroom3

  • Level: Upper
  • Area: 176
  • Dimensions: 16x11

Bedroom4

  • Level: Upper
  • Area: 440
  • Dimensions: 22x20

Bedroom5

  • Level: Upper
  • Area: 196
  • Dimensions: 14x14

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 240
  • Dimensions: 16x15

Family Room

  • Level: Main
  • Area: 289
  • Dimensions: 17x17

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas,Stone,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,840

Game Room

  • Level: Main
  • Area: 304
  • Dimensions: 16x19

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,840
  • Total interior livable area: 5,840 sqft

Kitchen

  • Level: Main
  • Area: 221
  • Dimensions: 17x13

Living Room

  • Level: Main
  • Area: 378
  • Dimensions: 21x18

Office

  • Level: Upper
  • Area: 255
  • Dimensions: 15x17

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 083224230014
  • Zoning description: Residential-Single Family
  • Foundation area: 2920

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Outdoor Pool
  • Waterfront features: Creek/Stream

Lot

  • Lot size: 2.98 Acres
  • Features: Irregular Lot
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Anoka County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,423$53,076
Home Insurance *$532$6,384
Property Taxes $703$8,436
Electricity $492$5,910
Total$6,150$73,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$210,857/yr
40% on housing$184,500/yr
45% on housing$164,000/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 55304$205
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55304$194
Anoka County$194

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-27Price change$814,900
2026-02-10Price change$824,900
2026-01-16Price change$924,900
2026-01-09Listed for sale$974,900
2021-06-15Sold$577,500
2019-03-26Sold$534,000
2019-02-01Pending sale$539,999
2019-02-01Listed for sale$539,999
2018-11-27Listing removed$539,999
2018-09-12Price change$539,999
2018-06-29Price change$549,999
2018-05-30Price change$564,999
2018-05-29Price change$569,999
2018-04-22Listed for sale$574,999
2016-06-30Sold$487,400
2016-05-24Pending sale$487,400
2016-05-22Price change$487,400
2016-04-05Listed for sale$479,900
2016-01-25Sold$321,000
2015-07-13Listing removed$499,000
2015-03-12Listed for sale$499,000
2015-01-28Listing removed$549,750
2014-11-12Listed for sale$549,750
2014-08-31Listing removed$695,000
2014-07-02Price change$695,000
2014-04-23Listed for sale$750,000
2013-06-26Listing removed$599,900
2009-11-30Sold$140,000
2009-08-26Sold$140,000
2004-04-16Sold$326,000

For Sale by Agent

AgentElizabeth Sibet
BrokerageeXp Realty

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