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4128 228th Ave NW, Saint Francis, MN, 55070

3beds
3baths
1,764sqft
$265,000
$150price/sqft
$1,913/moest. monthly cost
$76,520/yrincome needed

About This Home

This 2021-built slab-on-grade twin home features an impressive two-story vaulted living room filled with an abundance of natural light. The open-concept layout includes a second-story loft overlooking the main floor, creating a bright and airy atmosphere throughout the home. This 3-bedroom, 3-bathroom residence is equipped with modern conveniences like granite countertops, stainless steel appliances, remote-controlled blinds, and a Google Nest system. A custom built-in entertainment center is also included. Conveniently located just minutes from downtown St. Francis, shopping, and parks and so much more.

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

9/10
4/10
8/10
St. Francis High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedroom

  • Level: Upper
  • Area: 189
  • Dimensions: 13.5x14

Bedroom2

  • Level: Upper
  • Area: 126
  • Dimensions: 10.5x12

Bedroom3

  • Level: Upper
  • Area: 120
  • Dimensions: 10x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 99.75
  • Dimensions: 10.5x9.5

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,764

Heating & Cooling

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

Interior Area

  • Total structure area: 1,764
  • Total interior livable area: 1,764 sqft

Kitchen

  • Level: Main
  • Area: 103.68
  • Dimensions: 10.8x9.6

Living Room

  • Level: Main
  • Area: 174
  • Dimensions: 14.5x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 063324110095
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 739

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 1,742 sqft
  • Lot size dimensions: 68 x 26

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Anoka 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 $1,339$16,068
Home Insurance *$183$2,196
Property Taxes $221$2,652
Electricity $170$2,050
Total$1,913$22,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,588/yr
40% on housing$57,390/yr
45% on housing$51,013/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 55070$177
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55070$208
Anoka County$194

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
2026-05-08Listed for sale$299,000
2025-09-18Listing removed$299,000
2025-06-25Price change$299,000
2025-03-24Price change$305,000
2025-03-07Listed for sale$310,000
2024-10-09Listing removed$310,000
2024-07-15Price change$310,000
2024-06-11Listed for sale$315,000
2022-12-02Sold$280,000
2022-11-15Pending sale$295,000
2022-10-22Price change$295,000
2022-10-05Listed for sale$299,900
2021-08-31Sold$284,950
2021-08-03Pending sale$284,950
2021-06-02Price change$284,950
2021-03-25Listed for sale$279,950

For Sale by Agent

AgentColleen Somnis
BrokerageAshworth Real Estate

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