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26991 140th St NW, Zimmerman, MN, 55398

4beds
4baths
2,203sqft
$679,900
$309price/sqft
$4,680/moest. monthly cost
$187,200/yrincome needed

About This Home

Set on over 4 beautiful acres overlooking water, this custom-built, modified two-story offers the privacy, space, and peaceful setting we are all searching for, all while staying conveniently close to Zimmerman amenities and Highway 169 access. Extremely well maintained with thoughtful updates throughout, this 4-bedroom, 4-bath home is a nature lover’s dream with wide-open space, no neighbors directly behind, and a private backyard filled with scenic water views and wildlife. Step inside to a bright, welcoming layout filled with natural light. The main level offers the convenience of one-level living, including the owner’s suite with walk-in closet and private ensuite bath. The living room features a cozy gas fireplace and flows nicely into the spacious kitchen, complete with abundant cabinetry, generous counter space, a large center island, and a wall of windows above the sink overlooking the backyard and pond. Upstairs, you’ll find three additional bedrooms and a full bathroom, creating flexible space for family, guests, home offices, or hobbies. The walkout lower level includes a finished bathroom and is roughed in and ready for future finishing, offering endless potential for a family room, theater, workout space, game room, or additional entertaining area. Major updates include recently updated HVAC, newer roof, gutter helmets, Kinetico water treatment system, and reverse osmosis. The large insulated and heated garage adds everyday function and storage. Outside, the two-tier deck is the perfect place to enjoy morning coffee, evening sunsets, summer gatherings, and peaceful views over the pond and private backyard. Professionally landscaped. A rare acreage setting with water views, privacy, space, and convenience, this is a must-see home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

8/10
7/10
Zimmerman Middle SchoolGrades 6-82.0 mi
6/10
Zimmerman High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1997

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Block,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Water Filtration System,Water Osmosis System,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Unfinished,Walk-Out Access

Bathroom

  • Level: Lower
  • Area: 54
  • Dimensions: 6x9

Bedroom

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

Bedroom2

  • Level: Upper
  • Area: 208
  • Dimensions: 16x13

Bedroom3

  • Level: Upper
  • Area: 154
  • Dimensions: 11x14

Bedroom4

  • Level: Upper
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 182
  • Dimensions: 13x14

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 81
  • Finished area above ground: 2,122

Heating & Cooling

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

Interior Area

  • Total structure area: 3,529
  • Total interior livable area: 2,203 sqft

Kitchen

  • Level: Main
  • Area: 266
  • Dimensions: 19x14

Living Room

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

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 30004300226
  • Zoning description: Residential-Single Family
  • Foundation area: 1407

Features

  • Levels: Modified Two Story
  • Stories: 2
  • Patio & porch: Deck
  • Fencing: Partial

Lot

  • Lot size: 4.39 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 215 x 1315 x 100 x 1225

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Lightning
Tornado
Winter Weather

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 $3,437$41,244
Home Insurance *$449$5,388
Property Taxes $609$7,308
Electricity $185$2,229
Total$4,680$56,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,457/yr
40% on housing$140,400/yr
45% on housing$124,800/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

$309This listing

vs Other Active Listings

Avg $/sqft

ZIP 55398$182
Sherburne County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 55398$200
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
2026-05-28Listed for sale$679,900
1997-05-16Sold$28,900

For Sale by Agent

AgentPrice Realty
BrokerageeXp Realty

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