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10648 29th St NE, Saint Michael, MN, 55376

5beds
4baths
2,813sqft
$519,900
$185price/sqft
$3,294/moest. monthly cost
$131,760/yrincome needed

About This Home

Loaded w/ high-end upgrades & thoughtful improvements throughout, this stunning St. Michael home stands out from the rest. The sellers have invested extensively in a fully finished walkout lower level, professional landscaping, gorgeous maintenance-free deck, fully fenced backyard, custom closets, custom window treatments, heated garage, & water filtration system—features rarely found in comparable homes. Designed for today's lifestyle, the spacious floor plan offers 4 bedrooms on the upper level & an open-concept main floor filled w/ natural light and modern finishes. Step outside to your private backyard retreat featuring beautiful landscaping & space for entertaining, grilling, or simply relaxing after a long day. The finished walkout lower level provides exceptional space for gathering, working, exercising, or hosting guests. With outstanding storage throughout & every major upgrade already completed, this home offers the appeal of new construction without the added expense, time, or hassle. Truly move-in ready!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Upper Level

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Finished,Sump Pump,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 256
  • Dimensions: 16x16

Bedroom2

  • Level: Upper
  • Area: 182
  • Dimensions: 14x13

Bedroom3

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

Bedroom4

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

Bedroom5

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

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Family Room

  • Level: Lower
  • Area: 352
  • Dimensions: 22x16

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 709
  • Finished area above ground: 2,104

Heating & Cooling

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

Interior Area

  • Total structure area: 2,973
  • Total interior livable area: 2,813 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Living Room

  • Level: Main
  • Area: 240
  • Dimensions: 16x15

Office

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

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 114391001090
  • Zoning description: Residential-Single Family
  • Foundation area: 869

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Composite Decking,Deck,Front Porch
  • Fencing: Full,Split Rail

Lot

  • Lot size: 9,060 sqft
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 65 x 140 x 65 x 140

Parking

  • Total spaces: 3
  • Parking features: Attached,Asphalt,Heated Garage
  • 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 WindRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Heat Wave
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Wright 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 $2,628$31,536
Home Insurance *$291$3,492
Property Taxes $138$1,656
Electricity $237$2,847
Total$3,294$39,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,937/yr
40% on housing$98,820/yr
45% on housing$87,840/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 55376$181
Wright County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 55376$181
Wright County$188

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
2026-08-15Pending sale$519,900
2026-07-24Price change$519,900
2026-06-16Price change$529,000
2026-05-30Listed for sale$539,900
2024-03-15Sold$465,650
2024-02-22Pending sale$485,000
2024-01-27Price change$485,000
2023-12-05Price change$493,990
2023-10-18Listed for sale$499,990

For Sale by Agent

AgentCatherine Reller
BrokerageEdina Realty, Inc.

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