




15850 Zumbrota St NE, Ham Lake, MN, 55304
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
Schools
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
- Strong Wind
- Hail
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Anoka County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,856 | $34,272 |
| Home Insurance * | $343 | $4,116 |
| Property Taxes | $394 | $4,728 |
| Electricity | $276 | $3,315 |
| Total | $3,869 | $46,428 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Pending sale | $565,000 |
| 2026-07-22 | Listed for sale | $565,000 |
| 2026-07-06 | Listing removed | $565,000 |
| 2026-06-15 | Price change | $565,000 |
| 2026-05-29 | Listed for sale | $589,900 |
