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3041 164th Ln NW, Andover, MN, 55304

4beds
2baths
2,010sqft
$420,000
$209price/sqft
$2,879/moest. monthly cost
$115,160/yrincome needed

About This Home

Enjoy the perfect blend of space, comfort, and updates in this charming 4-bedroom, 2 full bath home situated on 1.07 acres! The main floor features durable laminate flooring and a functional layout designed for everyday living. The dining room and kitchen lead directly to a spacious 26x12 deck overlooking your private wooded backyard, perfect for entertaining, grilling, or enjoying the peaceful backyard views. Inside, you’ll also find beautifully updated bathrooms and a cozy family room with a fireplace, creating the perfect space to relax. Your basement walks out to a 26x12 patio making it easy to gather with friends and family for that summertime gathering. With over an acre of property and plenty of outdoor space, this home offers privacy, comfort, and room to enjoy both inside and out!" This home is situated on a dead end street offering next to no traffic.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

10/10
7/10
Oak View Middle SchoolGrades 6-82.1 mi
8/10

Construction

Condition

  • Year built: 1971

Materials

  • Roof: Age Over 8 Years
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Lower Level,Laundry Room,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Full,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 150
  • Dimensions: 15x10

Bedroom2

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

Bedroom3

  • Level: Lower
  • Area: 115
  • Dimensions: 11.5x10

Bedroom4

  • Level: Lower
  • Area: 115.5
  • Dimensions: 11x10.5

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Deck

  • Level: Upper
  • Area: 312
  • Dimensions: 26x12

Dining Room

  • Level: Upper
  • Area: 138
  • Dimensions: 12x11.5

Family Room

  • Level: Lower
  • Area: 247
  • Dimensions: 19x13

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 874
  • Finished area above ground: 1,136

Flex Room

  • Level: Lower
  • Area: 108
  • Dimensions: 12x9

Heating & Cooling

  • Heating features: Boiler
  • Cooling features: Ductless Mini-Split

Interior Area

  • Total structure area: 2,010
  • Total interior livable area: 2,010 sqft

Kitchen

  • Level: Upper
  • Area: 103.5
  • Dimensions: 11.5x9

Living Room

  • Level: Upper
  • Area: 263.25
  • Dimensions: 19.5x13.5

Patio

  • Level: Lower
  • Area: 312
  • Dimensions: 26x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 163224220003
  • Zoning description: Residential-Single Family
  • Foundation area: 1014

Features

  • Levels: Multi/Split
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Fencing: None

Lot

  • Lot size: 1.07 Acres
  • Features: Tree Coverage - Heavy
  • Lot size dimensions: 199 x 200 x 199 x 200

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Lightning
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 $2,123$25,476
Home Insurance *$255$3,060
Property Taxes $331$3,972
Electricity $170$2,050
Total$2,879$34,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,708/yr
40% on housing$86,370/yr
45% on housing$76,773/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

$209This 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
2026-08-05Pending sale$420,000
2026-05-28Listed for sale$420,000
1993-10-21Sold$92,800

For Sale by Agent

AgentBrandy Skonseng
BrokerageRE/MAX Results

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