12055 Elm St, Zimmerman, MN, 55398
About This Home
Beautifully maintained custom home offering the convenience of main level living in a desirable Zimmerman neighborhood. 1/2 block walk to public access to lake Fremont and morning views of the lake. 2 car attached garage 24x28 and 2 car detached garage 24x22 This 3 bedroom, 4 bathroom home features an expansive floor plan with space for 3 more bedrooms and tons of storage area!! Hardwood floors, a spacious great room with a gas fireplace, and a well-appointed kitchen with granite countertops, walk in pantry, stainless steel appliances, center island, and breakfast bar, plus an informal dining room with lake views. The main level includes a private primary suite with a walk-in closet and full bath featuring a separate tub and shower, a main floor laundry, and also a main floor office, The upper level has two more bedrooms with a bathroom and a large unfinished bonus room for future added value. Enjoy in-floor heat, central air, an oversized insulated garage and an additional detached 2 car garage, unfinished basement with room to expand with two bedrooms, finished 3/4 bathroom and room for a family room, a fully vinyl privacy fenced backyard with a large patio and a full wrap around porch. a portion of this home was built with ICF blocks. A wonderful combination of comfort, quality, and functionality. ***DETOUR NOTES: Hwy 169, take East on 245th Ave, North on 112th St, West on County Rd. 4, North on 120th St. Then West on Elm St and the home is on the right at the end of the block***
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2006
Materials
- Roof: Age Over 8 Years
- Construction materials: Block,Concrete,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Freezer,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
- Laundry features: Laundry Room,Main Level,In Unit,Washer Hookup
Basement
- Has basement: Yes
- Basement: Drain Tiled,Egress Window(s),Full
Bedroom
- Level: Main
- Area: 238
- Dimensions: 17x14
Bedroom2
- Level: Upper
- Area: 132
- Dimensions: 12x11
Bedroom3
- Level: Upper
- Area: 121
- Dimensions: 11x11
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 1
- 3/4 bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 126
- Dimensions: 14x9
Features
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 150
- Finished area above ground: 2,487
Heating & Cooling
- Heating features: Boiler,Forced Air,Fireplace(s),In-Floor Heating,Zoned
- Cooling features: Central Air
Interior Area
- Total structure area: 4,293
- Total interior livable area: 2,637 sqft
Kitchen
- Level: Main
- Area: 154
- Dimensions: 14x11
Laundry
- Level: Main
- Area: 99
- Dimensions: 11x9
Living Room
- Level: Main
- Area: 560
- Dimensions: 20x28
Property
Accessibility
- Accessibility features: Hallways 42"+
Details
- Parcel number: 95004130715
- Zoning description: Residential-Single Family
- Foundation area: 1806
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Front Porch,Side Porch
- Fencing: Full,Privacy,Vinyl
Lot
- Lot size: 0.41 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 92 x 207 x 92 x 187
Parking
- Total spaces: 4
- Parking features: Attached,Detached Garage,Concrete,Garage Door Opener,Insulated 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
- Strong Wind
- Cold Wave
- Hail
- Lightning
- Tornado
- 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 | $2,123 | $25,476 |
| Home Insurance * | $277 | $3,324 |
| Property Taxes | $428 | $5,136 |
| Electricity | $222 | $2,668 |
| Total | $3,050 | $36,600 |
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 |
|---|---|---|
| 2026-07-30 | Price change | $419,900 |
| 2026-07-27 | Price change | $449,900 |
| 2026-07-21 | Price change | $459,900 |
| 2026-07-11 | Listed for sale | $475,000 |
| 1993-11-01 | Sold | $51,000 |
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