13776 189th Ave NW, Elk River, MN, 55330
About This Home
Experience waterfront living in this beautifully completely renovated walkout rambler, perfectly positioned along the scenic Elk River. Every detail has been thoughtfully updated, creating a move-in-ready home that blends a warm, comfortable and timeless style. From the moment you step inside, you'll be captivated by the light-filled spaces, stunning river views, and the peaceful setting that makes this property truly one of a kind. The main level also offers a beautiful updated kitchen, spacious primary suite, convenient main-level laundry, and comfortable living spaces that seamlessly connect to the outdoors. The finished walkout lower level opens to a patio and a beautifully landscaped backyard complete with a fire pit—an ideal setting for relaxing evenings, entertaining guests, or simply enjoying the peaceful waterfront surroundings. Launch your kayak or paddle board from your own backyard, with just a short paddle leading directly into Orono Lake. Footings are already installed for a future dock, making it easy to bring your boating dreams to life. The adjacent lot is also available, offering added privacy, expansion opportunities, or the chance to create your own waterfront retreat. Be sure to review the attached updates list to appreciate the improvements that make this home truly move-in ready.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1964
Materials
- Roof: Age 8 Years or Less
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned
- Laundry features: Laundry Room,Main Level
Basement
- Has basement: Yes
- Basement: Finished,Storage Space,Walk-Out Access
Bedroom
- Level: Main
- Area: 237.5
- Dimensions: 9.5 x 25
Bedroom2
- Level: Main
- Area: 126.56
- Dimensions: 11.2 x 11.3
Bedroom3
- Level: Lower
- Area: 143
- Dimensions: 13 x 11
Bedroom4
- Level: Lower
- Area: 132
- Dimensions: 12 x 11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Deck
- Level: Main
- Area: 324
- Dimensions: 27 x 12
Dining Room
- Level: Main
- Area: 112
- Dimensions: 8 x 14
Features
- Finished area below ground: 1,018
- Finished area above ground: 1,267
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,534
- Total interior livable area: 2,285 sqft
Kitchen
- Level: Main
- Area: 162
- Dimensions: 9 x 18
Laundry
- Level: Main
- Area: 90
- Dimensions: 9 x 10
Living Room
- Level: Main
- Area: 220
- Dimensions: 20 x 11
Patio
- Level: Lower
- Area: 260
- Dimensions: 20 x 13
Recreation Room
- Level: Lower
- Area: 675
- Dimensions: 27 x 25
Utility Room
- Level: Lower
- Area: 76
- Dimensions: 8 x 9.5
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 75004620225
- Zoning description: Residential-Single Family
- Foundation area: 1267
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front
Lot
- Lot size: 0.27 Acres
- Lot size dimensions: 98 x 135 x 101 x 113
Parking
- Total spaces: 2
- Parking features: Attached,Concrete,Garage,Heated Garage,Insulated Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Hail
- Inland Flooding
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Ice Storm
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Sherburne County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,654 | $31,848 |
| Home Insurance * | $280 | $3,360 |
| Property Taxes | $590 | $7,080 |
| Electricity | $192 | $2,312 |
| Total | $3,716 | $44,592 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Price change | $519,900 |
| 2026-08-03 | Price change | $524,900 |
| 2026-07-25 | Listed for sale | $549,900 |
| 2021-08-09 | Sold | $230,000 |
| 2021-07-22 | Pending sale | $225,000 |
| 1999-08-03 | Sold | $19,890 |
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