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18720 114th St SE, Big Lake, MN, 55309

5beds
5baths
8,574sqft
$924,900
$108price/sqft
$6,827/moest. monthly cost
$273,080/yrincome needed

About This Home

This beautiful 1994 built Two Story home is located on a double lot with 8.9 acres. The home features 4612 FSF for the house with 6 bedrooms, 5 bathrooms, 2 car attached garage & 2 car tuck under garage & 2629 FSF for the in floor heated pool & exercise room. The main floor has a covered front porch, living room, informal & formal dining room w/walkout to deck, kitchen w/custom oak cabinetry, Cambria countertops, master suite with fireplace & bathroom with separate soaking tub & shower & walk in closet, 1/2 bathroom, mud room & main floor laundry. The upstairs features 4 bedrooms with w/i closets & a full bathroom. The basement features a large family room with fireplace and built in cabinetry, a wet bar, non-conforming bedroom {needs closet), 3/4 bathroom, office, utility room and storage room. The pool room is 60 x 35 & exercise room is 30 x 23, which you enter through the basement & it is a indoor heated pool with automatic pool cover, vaulted ceilings, 3/4 bathroom & utility room. The home also has a security system & 6 outdoor security cameras, 3 zone heating & cooling. The upgrades are listed in an attachment, but the septic system is new, newer roof, LP siding and so many other upgrades throughout the home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
Liberty Elementary SchoolGrades PK-24.9 mi
5/10
Big Lake Middle SchoolGrades 6-85.0 mi
9/10

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Central Vacuum,Dishwasher,Dryer,Electric Water Heater,Exhaust Fan,Humidifier,Gas Water Heater,Iron Filter,Microwave,Range,Refrigerator,Washer,Water Softener Rented
  • Laundry features: Gas Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Crawl Space,Daylight,Drain Tiled,Finished,Full,Storage Space,Sump Basket

Bedroom

  • Level: Main
  • Area: 238
  • Dimensions: 14 x 17

Bedroom2

  • Level: Upper
  • Area: 187
  • Dimensions: 11 x 17

Bedroom3

  • Level: Upper
  • Area: 187
  • Dimensions: 11 x 17

Bedroom4

  • Level: Upper
  • Area: 165
  • Dimensions: 11 x 15

Bedroom5

  • Level: Upper
  • Area: 165
  • Dimensions: 15 x 11

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 196
  • Dimensions: 14 x 14

Dining Room

  • Level: Main
  • Area: 208
  • Dimensions: 16 x 13

Family Room

  • Level: Basement
  • Area: 475
  • Dimensions: 25 x 19

Features

  • Central Vacuum
  • Number of fireplaces: 2
  • Fireplace features: Circulating,Family Room,Gas,Primary Bedroom
  • Fireplace: Yes
  • Finished area below ground: 1,602
  • Finished area above ground: 5,639

Flex Room

  • Level: Basement
  • Area: 110
  • Dimensions: 10 x 11

Heating & Cooling

  • Heating features: Boiler,Forced Air,Fireplace(s),In-Floor Heating,Zoned
  • Cooling features: Central Air,Zoned

Informal Dining Room

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

Interior Area

  • Total structure area: 8,574
  • Total interior livable area: 8,574 sqft

Laundry

  • Level: Main
  • Area: 99
  • Dimensions: 11 x 9

Living Room

  • Level: Main
  • Area: 238
  • Dimensions: 17 x 14

Mud Room

  • Level: Main
  • Area: 162
  • Dimensions: 18 x 9

Office

  • Level: Basement
  • Area: 225
  • Dimensions: 15 x 15

Porch

  • Level: Main
  • Area: 216
  • Dimensions: 27 x 8

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 05001253101
  • Zoning description: Residential-Single Family
  • Foundation area: 2850

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Heated,Indoor
  • Patio & porch: Covered,Deck,Front Porch

Lot

  • Lot size: 8.90 Acres
  • Features: Corner Lot,Irregular Lot,Tree Coverage - Light
  • Lot size dimensions: getting

Parking

  • Total spaces: 4
  • Parking features: Attached,Asphalt,Garage Door Opener,Heated Garage,Tuckunder Garage
  • 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

  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado

FEMA Declared Disasters in Sherburne 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 $4,676$56,112
Home Insurance *$618$7,416
Property Taxes $810$9,720
Electricity $723$8,677
Total$6,827$81,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$234,068/yr
40% on housing$204,810/yr
45% on housing$182,053/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 55309$171
Sherburne County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55309$181
Sherburne County$175

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
2026-04-10Listed for sale$924,900
1992-02-01Sold$22,000

For Sale by Agent

AgentJoel D Andersen
BrokerageKeller Williams Integrity NW

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