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3814 97th Ln NE, Blaine, MN, 55014

3beds
2baths
2,106sqft
$355,000
$169price/sqft
$2,683/moest. monthly cost
$107,320/yrincome needed

About This Home

Welcome home to this beautifully updated split entry style home that perfectly blends style and comfort. The bright open concept living spaces feature modern finishes, fresh updates and abundant natural light throughout. The kitchen offers ample cabinet space, generous counterspace flows seamlessly into the dining and living areas. Be sure to step outside to your own private backyard retreat! Designed with entertaining in mind, this incredible outdoor space features a spacious patio and outdoor kitchen! All of the updated finished make this a comfortable move in ready home that you don't want to miss! Quick close available.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

6/10
8/10
Centennial Middle SchoolGrades 6-82.7 mi
10/10
Centennial High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1986

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom2

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

Bedroom3

  • Level: Lower
  • Area: 357
  • Dimensions: 17x21

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

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

Family Room

  • Level: Lower
  • Area: 252
  • Dimensions: 12x21

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,006
  • Finished area above ground: 1,100

Heating & Cooling

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

Interior Area

  • Total structure area: 2,106
  • Total interior livable area: 2,106 sqft

Kitchen

  • Level: Upper
  • Area: 121
  • Dimensions: 11x11

Living Room

  • Level: Upper
  • Area: 266
  • Dimensions: 19x14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 263123130018
  • Zoning description: Residential-Single Family
  • Foundation area: 1006

Features

  • Levels: Multi/Split
  • Fencing: Privacy

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 80 x 120

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WindVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Lightning
Cold Wave
Heat Wave
Ice Storm
Tornado
Wildfire
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 $1,795$21,540
Home Insurance *$224$2,688
Property Taxes $487$5,844
Electricity $177$2,131
Total$2,683$32,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,988/yr
40% on housing$80,490/yr
45% on housing$71,546/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

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 55014$188
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55014$214
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
2026-07-17Listed for sale$355,000
2022-03-03Sold$300,000
2017-03-16Sold$170,000
2016-12-15Listed for sale$174,900
2007-09-27Sold$210,000
1999-02-09Sold$135,000

For Sale by Agent

AgentTracy Phillippi
BrokerageReal Broker, LLC

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