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3883 97th Ln NE, Blaine, MN, 55014

4beds
3baths
2,357sqft
$469,500
$199price/sqft
$3,342/moest. monthly cost
$133,680/yrincome needed

About This Home

*******MINT CONDITION*******Nestled on a peaceful street in the sought after Blaine community,this stunning four bedroom, three-bath split-level is the one you've been looking for. From the moment you step inside,the showstopping kitchen commands attention --a true heart- of- the- home space that will inspire your inner chef. The layout impresses at every turn: a sprawling three-car garage for all your toys and tools, a welcoming lower-level family room with a gas fire-place, plus a spacious on-suite with soaker tub after those long busy days. Step outside to expansive newer deck and discover your personal entertaining paradise--whether its summer barbecues or quiet morning coffees, this outdoor space delivers. With room to gather, room to grow, this home truly has it all. Homes of this size, quality, and character are a rare find in today's market!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

6/10
8/10
Centennial Middle SchoolGrades 6-82.6 mi
10/10
Centennial High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1988

Materials

  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Daylight,Egress Window(s),Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,005
  • Finished area above ground: 1,352

Heating & Cooling

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

Interior Area

  • Total structure area: 2,357
  • Total interior livable area: 2,357 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 263123130039
  • Zoning description: Residential-Single Family
  • Foundation area: 1352

Features

  • Levels: Multi/Split
  • Pool features: None

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 75 x 140

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $2,374$28,488
Home Insurance *$296$3,552
Property Taxes $474$5,688
Electricity $198$2,385
Total$3,342$40,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,582/yr
40% on housing$100,260/yr
45% on housing$89,120/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

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 55014$187
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
2026-06-12Price change$469,500
2026-06-10Price change$489,500
2026-06-04Listed for sale$495,000
2000-08-15Sold$186,900

For Sale by Agent

AgentJohn T McGovern
BrokerageJohn McGovern

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