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12851 7th Ave N, Zimmerman, MN, 55398

6beds
3baths
3,535sqft
$369,900
$105price/sqft
$2,803/moest. monthly cost
$112,120/yrincome needed

About This Home

Welcome home to this beautifully designed 6-bedroom, 3-bathroom property offering over 3400sqft and has the perfect blend of space, comfort, and functionality. The home has a custom kitchen , a large walk-in pantry, and open concept living areas. Hardwood floors, main floor primary suite with on suite and his and hers closets, a massive deck, and an oversized 4 garage. The home has laundry on main floor and basement. Recent updates include a new furnace, new central air, and a new tankless water heater, giving you peace of mind for years to come.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

--
7/10
Zimmerman Middle SchoolGrades 6-80.6 mi
6/10
Zimmerman High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1979

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Finished area below ground: 1,750
  • Finished area above ground: 1,785

Heating & Cooling

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

Interior Area

  • Total structure area: 3,175
  • Total interior livable area: 3,535 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 95004190320
  • Zoning description: Residential-Single Family
  • Foundation area: 1425

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.34 Acres
  • Lot size dimensions: x x x

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 $1,870$22,440
Home Insurance *$244$2,928
Property Taxes $391$4,692
Electricity $298$3,577
Total$2,803$33,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,102/yr
40% on housing$84,090/yr
45% on housing$74,746/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

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 55398$189
Sherburne County$177

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
2026-07-31Listed for sale$369,900
2022-10-14Sold$260,000
2022-09-12Pending sale$265,000
2022-06-17Price change$265,000
2022-06-06Price change$274,900
2022-05-26Listed for sale$289,900
2021-11-30Sold$150,000
2021-02-16Sold$207,692
2020-03-18Listing removed$160,000
2019-12-02Price change$160,000
2019-11-14Price change$175,000
2019-09-30Price change$190,000
2019-09-14Listed for sale$196,500

For Sale by Agent

AgentJames Benincasa
BrokerageIncentive Realty

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