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15850 Zumbrota St NE, Ham Lake, MN, 55304

5beds
4baths
3,276sqft
$565,000
$172price/sqft
$3,869/moest. monthly cost
$154,760/yrincome needed

About This Home

Nestled at the end of a lush and secluded cul-de-sac on a full one-acre lot, this beautiful modified 2-story walkout gem offers a bright and open floor plan filled with natural light, hardwood floors, and vaulted knockdown ceilings on the main level. Expansive 3-car attached garage, plus an oversized 30x24 insulated and sheet-rocked detached garage with plenty of space for tools, toys, and a workshop, an additional loft upstairs, and a separate access point from Xylite St behind the home. You’ll love the outdoor living spaces, which include a maintenance-free deck, expansive paver patio, and covered front porch surrounded by mature trees and lush landscaping. Inside, the spacious eat-in kitchen features a large center island, newer stainless-steel appliances (2021), and seamless flow into the surrounding living and dining spaces—perfect for everyday living and entertaining. Just off the informal dining area, the stunning 4-season porch is a peaceful retreat to enjoy year-round, showcasing illuminating skylights, panoramic backyard views, and access to the maintenance-free deck. The expansive family room offers a cozy gas fireplace with custom built-ins, while additional main-floor spaces include a vaulted formal dining room with arched windows, a private den/office with French doors, and a functional laundry room with sink. Upstairs features three spacious bedrooms, including an impressive primary suite with a walk-in closet and a private 3/4 bath with dual sink vanity, new tile flooring, and walk-in shower. The walkout lower level expands the living space with a large amusement room, two additional bedrooms, a 3/4 bath, and abundant storage space. Major updates include furnace & A/C (2023), garage doors (2025), water heater (2020), and kitchen appliances (2021). Conveniently located near parks, schools, restaurants, and entertainment—you won’t want to miss this amazing opportunity!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

10/10
7/10
Roosevelt Middle SchoolGrades 6-84.9 mi
7/10
Blaine Senior High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Age Over 8 Years,Asphalt,Pitched
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Gas Water Heater,Water Filtration System,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Daylight,Drain Tiled,Egress Window(s),Finished,Full,Storage Space,Sump Pump,Walk-Out Access

Bedroom

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

Bedroom2

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedroom4

  • Level: Lower
  • Area: 140
  • Dimensions: 14x10

Bedroom5

  • Level: Lower
  • Area: 126
  • Dimensions: 14x9

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • 3/4 bathrooms: 4

Deck

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Den

  • Level: Main
  • Area: 140
  • Dimensions: 14x10

Dining Room

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Family Room

  • Level: Main
  • Area: 368
  • Dimensions: 23x16

Features

  • Number of fireplaces: 2
  • Fireplace features: Amusement Room,Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,076
  • Finished area above ground: 2,200

Garage

  • Level: Main
  • Area: 720
  • Dimensions: 30x24

Heating & Cooling

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

Informal Dining Room

  • Level: Main
  • Area: 96
  • Dimensions: 12x8

Interior Area

  • Total structure area: 3,420
  • Total interior livable area: 3,276 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Other

  • Level: Lower
  • Area: 396
  • Dimensions: 33x12

Other

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

Patio

  • Level: Lower
  • Area: 280
  • Dimensions: 20x14

Storage

  • Level: Lower
  • Area: 90
  • Dimensions: 10x9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 153223330004
  • Zoning description: Residential-Single Family
  • Foundation area: 1220

Features

  • Levels: Modified Two Story
  • Stories: 2
  • Pool features: None
  • Patio & porch: Composite Decking,Deck,Front Porch,Patio,Rear Porch
  • Fencing: Chain Link,Partial

Lot

  • Lot size: 1.26 Acres
  • Features: Irregular Lot,Tree Coverage - Heavy
  • Lot size dimensions: 231 x 205 x 222 x 187 x 42 x 36

Parking

  • Total spaces: 3
  • Parking features: Attached,Detached Garage,Asphalt,Electric,Garage Door Opener,Heated Garage,Insulated Garage,Multiple Garages,RV Access/Parking,Storage
  • 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

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

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Hail
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 $2,856$34,272
Home Insurance *$343$4,116
Property Taxes $394$4,728
Electricity $276$3,315
Total$3,869$46,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,651/yr
40% on housing$116,070/yr
45% on housing$103,173/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

$172This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$565,000
2026-07-22Listed for sale$565,000
2026-07-06Listing removed$565,000
2026-06-15Price change$565,000
2026-05-29Listed for sale$589,900
AgentJon G Perkins
BrokerageThe Perkins Team at REMAX Results

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