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20718 Tamarack St NW, Oak Grove, MN, 55011

5beds
3baths
3,960sqft
$899,900
$227price/sqft
$6,223/moest. monthly cost
$248,920/yrincome needed

About This Home

Nestled in a quiet neighborhood with spacious acreage lots, this beautifully designed 2023 rambler walkout sits on 4 private acres with serene wooded views. Originally built as the neighborhood model, this home showcases thoughtful design, quality finishes, and exceptional attention to detail throughout. The main level offers an open-concept layout filled with natural light and a vaulted ceiling in the great room, featuring a stunning living room with an electric fireplace and tiled surround, flanked by custom built-in cabinetry, floating shelves, and a beautiful white oak mantle. The kitchen is a true centerpiece with quartz countertops, a large center island with white oak accents, double ovens, cooktop, smart stainless steel appliances, and a walk-in pantry perfect for both everyday living and entertaining. White oak shelving and railing details add warmth and character throughout the home, along with a smart Ecobee thermostat for added comfort and efficiency. Convenience meets function with a well-designed laundry and mudroom just off the garage, complete with a sink and built-in bench, along with an additional built-in drop zone near the front entry. The spacious primary suite is privately situated on one side of the home and features a tray ceiling, beautiful backyard views, and a luxurious ensuite with dual vanities, quartz countertops, a walk-in shower, soaker tub, and walk-in closet. Two additional bedrooms and a full bath are located on the opposite side of the main level. The finished walkout lower level expands the living space with a large family room, wet bar, and a second gas fireplace with brick surround, built-ins, and a white oak mantle, creating a warm and inviting atmosphere. Two additional bedrooms, a full bathroom, and a versatile flex space offer plenty of room for guests, work, or hobbies. Step outside to the concrete patio and enjoy the peaceful, private backyard setting. The heated 4-car garage includes a convenient bump-out for extra storage, complete with built-in shelving perfectly sized for storage bins.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
4/10
8/10
St. Francis High SchoolGrades 9-124.1 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Age 8 Years or Less,Architectural Shingle,Pitched

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Double Oven,Dryer,Exhaust Fan,Gas Water Heater,Water Filtration System,Microwave,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Washer,Water Softener Owned,Wine Cooler
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Drain Tiled,Finished,Full,Storage Space,Sump Basket,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 255
  • Dimensions: 15X17

Bedroom2

  • Level: Main
  • Area: 154
  • Dimensions: 11X14

Bedroom3

  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Bedroom4

  • Level: Lower
  • Area: 176
  • Dimensions: 11X16

Bedroom5

  • Level: Lower
  • Area: 198
  • Dimensions: 11X18

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main
  • Area: 144
  • Dimensions: 12X12

Family Room

  • Level: Lower
  • Area: 660
  • Dimensions: 22X30

Features

  • Number of fireplaces: 2
  • Fireplace features: Electric,Family Room,Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,482
  • Finished area above ground: 1,992

Flex Room

  • Level: Lower
  • Area: 280
  • Dimensions: 14X20

Foyer

  • Level: Main
  • Area: 64
  • Dimensions: 8X8

Heating & Cooling

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

Interior Area

  • Total structure area: 3,960
  • Total interior livable area: 3,960 sqft

Kitchen

  • Level: Main
  • Area: 180
  • Dimensions: 12X15

Laundry

  • Level: Main
  • Area: 80
  • Dimensions: 8X10

Living Room

  • Level: Main
  • Area: 352
  • Dimensions: 16X22

Utility Room

  • Level: Lower
  • Area: 200
  • Dimensions: 8X25

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 143324410009
  • Zoning description: Residential-Single Family
  • Foundation area: 1968

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch,Patio
  • Fencing: None

Lot

  • Lot size: 4.17 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 103 x 332 x 1010 x 1140

Parking

  • Total spaces: 4
  • Parking features: Attached,Asphalt,Garage Door Opener,Heated Garage,Insulated Garage,Storage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Lightning
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 $4,550$54,600
Home Insurance *$497$5,964
Property Taxes $843$10,116
Electricity $333$4,007
Total$6,223$74,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$213,360/yr
40% on housing$186,690/yr
45% on housing$165,946/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

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 55011$212
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55011$206
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
2026-05-14Listed for sale$979,900
2024-03-26Sold$775,995
2024-03-05Pending sale$790,495
2024-01-10Listed for sale$790,495
2023-12-16Listing removed--
2023-08-17Listed for sale$774,900
2023-08-17Listing removed--
2023-05-24Listed for sale$764,405
2023-05-23Listing removed--
2023-03-06Listed for sale$641,237
2023-03-02Listing removed--
2023-01-17Listed for sale$150,000

For Sale by Agent

AgentKerby & Cristina Real Estate Experts
BrokerageRE/MAX Results

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