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20750 Garden Rd, Shorewood, MN, 55331

5beds
4baths
3,859sqft
$1,495,000
$387price/sqft
$9,452/moest. monthly cost
$378,080/yrincome needed

About This Home

Your buying a lifestyle- walk and bike to parks, beaches, school, restaurants, marina, pickleball and more. (See map in pictures) Rare opportunity for complete remodel and a near 1000 sqft 2-story out-building within walking distance to Cottagewood. Taken down to the studs, foundation expanded and a 2nd story addition in 2024, this stunning ~4,000 finished sq. ft. home combines modern luxury with an unbeatable location in the highly sought-after Minnetonka School District and Deephaven Elementary. Featuring five bedrooms (three on one level), this home sits on a beautiful 0.54-acre corner lot just steps from the Lake Minnetonka Regional Trail, only a 10-minute bike ride to downtown Excelsior and less than 1 mile to the Cottagewood General Store! In addition to the attached heated 3-stall garage, enjoy a spacious 4+ car detached out-building with huge loft space. Major 2024 improvements include a new roof, furnace, A/C, well, reverse osmosis system, and extensive interior and exterior updates throughout.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
9/10
10/10

Construction

Condition

  • Year built: 1969

Materials

  • Roof: Age 8 Years or Less,Asphalt,Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Exhaust Fan,Water Filtration System,Water Osmosis System,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: In Basement,Lower Level,Laundry Room,Sink

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Egress Window(s),Finished,Storage Space,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 229.6458
  • Dimensions: 12'7" x 18'3"

Bedroom2

  • Level: Upper
  • Area: 198.0417
  • Dimensions: 12'3" x 16'2"

Bedroom3

  • Level: Upper
  • Area: 211.375
  • Dimensions: 14'3" x 14'10"

Bedroom4

  • Level: Upper
  • Area: 238.6389
  • Dimensions: 11'10" x 20'2"

Bedroom5

  • Level: Basement
  • Area: 154
  • Dimensions: 14' x 11'

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Deck

  • Area: 224
  • Dimensions: 14' x 16'

Dining Room

  • Level: Main
  • Area: 182.4167
  • Dimensions: 16'7" x 11'

Family Room

  • Area: 222.75
  • Dimensions: 16'6" x 13'6"

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Masonry,Gas,Living Room,Stone
  • Fireplace: Yes
  • Finished area below ground: 1,418
  • Finished area above ground: 2,441

Game Room

  • Area: 310.5
  • Dimensions: 23' x 13'6"

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,929
  • Total interior livable area: 3,859 sqft

Kitchen

  • Level: Main
  • Area: 218.3472
  • Dimensions: 16'7" x 13'2"

Living Room

  • Level: Main
  • Area: 348.3333
  • Dimensions: 20' x 17'5"

Mud Room

  • Area: 370
  • Dimensions: 20' x 18'6"

Workshop

  • Level: Main
  • Area: 922.3611
  • Dimensions: 38'2" x 24'2"

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2511723220024
  • Zoning description: Residential-Single Family
  • Foundation area: 1488

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Composite Decking,Deck

Lot

  • Lot size: 0.54 Acres
  • Features: Corner Lot,Tree Coverage - Heavy
  • Lot size dimensions: 210' x 168' x 268'

Parking

  • Total spaces: 7
  • Parking features: Attached,Covered,Detached Garage,Asphalt,Floor Drain,Garage Door Opener,Heated Garage,Insulated Garage,Multiple Garages,Storage
  • Has garage: Yes
  • Attached garage spaces: 7
  • Covered spaces: 7
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Tornado

FEMA Declared Disasters in Hennepin 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 $7,559$90,708
Home Insurance *$641$7,692
Property Taxes $927$11,124
Electricity $325$3,905
Total$9,452$113,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$324,068/yr
40% on housing$283,560/yr
45% on housing$252,053/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$387This listing

vs Other Active Listings

Avg $/sqft

ZIP 55331$418
Hennepin County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 55331$286
Hennepin County$207

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
2026-08-06Pending sale$1,495,000
2026-07-12Price change$1,495,000
2026-06-28Listed for sale$1,595,000
2023-11-27Sold$550,000
2023-10-17Pending sale$550,000
2023-10-12Listed for sale$550,000

For Sale by Agent

AgentMatthew C Johnson
BrokerageCompass

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