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18184 Gary St NW, Elk River, MN, 55330

3beds
2baths
1,744sqft
$345,000
$198price/sqft
$2,474/moest. monthly cost
$98,960/yrincome needed

About This Home

This well-maintained split-entry offers the perfect blend of comfort, space, and convenience. Just minutes from Lake Orono Park, including the popular off-leash dog park, and with quick access to Highways 169 and 101, this location makes commuting and outdoor recreation a breeze. The bright, open main level features vaulted ceilings, updated flooring, and abundant natural light streaming through the oversized front picture window and patio door. The kitchen with center island flows seamlessly into the dining and living areas, creating an inviting space for everyday living and entertaining. Step outside to the spacious deck, perfect for summer barbecues, entertaining guests, or simply unwinding with a quiet evening overlooking the backyard. Spacious bedrooms provide comfortable retreats, while the lower level offers additional living space ideal for hosting family events or a gathering to watch the game! Complete with an attached 2-car garage and beautifully maintained yard, this move-in-ready home is ready for its next owners. Schedule your showing today!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

7/10
6/10
8/10

Construction

Condition

  • Year built: 1996

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Humidifier,Gas Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Basement,Gas Dryer Hookup,Laundry Room,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Finished,Full,Storage Space,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 117
  • Dimensions: 13x9

Bedroom2

  • Level: Upper
  • Area: 99
  • Dimensions: 11x9

Bedroom3

  • Level: Lower
  • Area: 156
  • Dimensions: 13x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Deck

  • Level: Upper
  • Area: 280
  • Dimensions: 20x14

Dining Room

  • Level: Upper
  • Area: 100
  • Dimensions: 10x10

Family Room

  • Level: Lower
  • Area: 364
  • Dimensions: 26x14

Features

  • Finished area below ground: 866
  • Finished area above ground: 878

Heating & Cooling

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

Interior Area

  • Total structure area: 1,744
  • Total interior livable area: 1,744 sqft

Kitchen

  • Level: Upper
  • Area: 120
  • Dimensions: 12x10

Living Room

  • Level: Upper
  • Area: 161
  • Dimensions: 14x11.5

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 755650706
  • Zoning description: Residential-Single Family
  • Foundation area: 866

Features

  • Levels: Multi/Split
  • Pool features: None
  • Patio & porch: Deck

Lot

  • Lot size: 10,454 sqft
  • Features: Near Public Transit,Tree Coverage - Light
  • Lot size dimensions: 82 x 127

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage Door Opener,Storage
  • 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 WindVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Cold Wave
Heat Wave
Ice Storm
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 $1,744$20,928
Home Insurance *$184$2,208
Property Taxes $376$4,512
Electricity $170$2,050
Total$2,474$29,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,822/yr
40% on housing$74,220/yr
45% on housing$65,973/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

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 55330$179
Sherburne County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 55330$187
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
2026-08-06Listed for sale$345,000
2014-09-19Sold$172,000
2007-10-30Sold$140,000
1996-06-06Sold$104,177
1996-02-07Sold$24,900

For Sale by Agent

AgentSteven DeGreeff
BrokerageKeller Williams Integrity NW

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