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7829 146th Ter, Savage, MN, 55378

4beds
3baths
2,492sqft
$849,900
$341price/sqft
$5,673/moest. monthly cost
$226,920/yrincome needed

About This Home

Welcome to this stunning home in Savage, ideally located near Prior Lake and offering the perfect blend of modern elegance and timeless design. With 2,492 finished square feet, 4 bedrooms, and 3 bathrooms, this thoughtfully designed residence provides both comfort and sophistication. Step into a spacious entryway highlighted by beautiful enameled wainscoting and large windows surrounding the front door, filling the space with natural light. The main level features hardwood floors throughout the living areas and includes a versatile second bedroom that functions perfectly as a home office. The galley-style kitchen is a true centerpiece, showcasing quartz countertops, satin bronze accents, a blend of white oak and enameled cabinetry, a large island, and a commercial-grade range with a vented hood above. The open-concept design flows seamlessly into the vaulted great room, where oversized windows frame private wetland views. A modern tile fireplace with a granite ledge adds warmth and style. Adjacent to the kitchen, the spacious dining room is surrounded by windows and leads to the sunroom, which offers a bright retreat with panoramic nature views and access to a paver patio—ideal for relaxing or entertaining. The main-level primary suite features a luxurious ¾ bath with a tile shower and a large walk-in closet. A full bathroom and laundry are also conveniently located on the main floor. Upstairs, you’ll find two generously sized bedrooms, a large loft, and a thoughtfully designed divided bathroom with dual sinks and a separate tub and toilet area—perfect for families or guests. Abundant windows continue to provide excellent natural light throughout the upper level. Outside, enjoy peaceful wetland views and frequent visits from wildlife including deer, birds, foxes, otters, and rabbits. The property also features updated landscaping with concrete bullet edging, oversized river rock, a concrete driveway, full Hardie Board siding, and gutters. An extra-deep two-car garage adds valuable storage space. The HOA takes care of mowing, snow removal, and sanitation, making for easy living. Located close to top-rated schools, parks, trails, shopping, dining, and major highways, this home offers both tranquility and convenience in one exceptional package.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
57
BikeBikeable

Schools

Construction

Condition

  • Year built: 2022

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Bedrooms & Bathrooms

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

Property

Lot

  • Lot size: 6,969 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Garage Door Opener,Insulated Garage
  • 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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Tornado
Winter Weather

FEMA Declared Disasters in Scott 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 $4,297$51,564
Home Insurance *$494$5,928
Property Taxes $672$8,064
Electricity $210$2,522
Total$5,673$68,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$194,502/yr
40% on housing$170,190/yr
45% on housing$151,280/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: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 55378$191
Scott County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 55378$183
Scott County$204

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

No price history available

For Sale by Agent

AgentJames Stiller
BrokerageKeller Williams Classic Realty

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