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9591 James Cir N, Lake Elmo, MN, 55042

2beds
2baths
1,752sqft
$539,000
$308price/sqft
$3,540/moest. monthly cost
$141,600/yrincome needed

About This Home

- Built in 2021 - 1752 square feet finished, 1752 square feet unfinished - Villa Style House (rambler) with unfinished full basement - 2 bedrooms – additional 1 potential in basement - 2 bathrooms – additional 1 potential in basement - 3 car garage – 590 square feet - Granite counter tops - Maple cabinets - Stainless Steel appliances - Gas Range - Washer and Dryer - Reverse Osmosis drinking water system - Water Softener - Air exchange system - Miles of local walking trails - Walking distance to Lake Elmo Regional Park Reserve - Quiet dead-end road - Poured cement foundation - Convenient location – 2-3 miles from Walmart, Target, Sams Club, Home Depot, Best Buy, Cub Foods, Office Max and many other retailers. - Neighborhood is mixture of single lever and 2 story houses - Low HOA fees at $180 per quarter - .245 Acres lot - Fiber Internet hook up - 20 minutes from MSP Airport

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
6/10
Oak-Land Middle SchoolGrades 6-82.3 mi
10/10

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Concrete,Laminate,Linoleum / Vinyl
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 1,752 sqft

Property

Details

  • Parcel number: 3402921130037

Features

  • Exterior features: Shingle,Vinyl,Brick,Cement / Concrete

Lot

  • Lot size: 10,672 sqft

Parking

  • Parking features: Garage - Attached

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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Cold Wave
Lightning
Winter Weather

FEMA Declared Disasters in Washington 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 $2,725$32,700
Home Insurance *$252$3,024
Property Taxes $393$4,716
Electricity $170$2,050
Total$3,540$42,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,371/yr
40% on housing$106,200/yr
45% on housing$94,400/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: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 55042$236
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55042$237
Washington County$201

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$539,000
2021-06-30Sold$459,877
2021-04-22Pending sale$459,877
2021-04-22Listed for sale$459,877
2020-01-30Sold$538,312

For Sale by Owner

AgentProperty Owner

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