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26560 Lake Ave, Zimmerman, MN, 55398

2beds
1baths
640sqft
$299,900
$469price/sqft
$2,134/moest. monthly cost
$85,360/yrincome needed

About This Home

This inviting seasonal lakeside retreat blends timeless charm with thoughtful modern updates, creating the perfect place to relax, recharge, and make lasting memories. Enjoy easy access to the water, unwind in the lakeside gazebo, and keep all your lake essentials organized in the convenient storage shed. Whether it’s weekend escapes or an entire summer at the lake, this turnkey getaway is ready to enjoy from day one — all with breathtaking sunset views that steal the show every evening.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
7/10
Zimmerman Middle SchoolGrades 6-81.3 mi
6/10
Zimmerman High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1958

Materials

  • Roof: Age Over 8 Years,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Gas Water Heater,Microwave,Range,Refrigerator

Basement

  • Basement: None

Bathroom

  • Level: Main
  • Area: 45
  • Dimensions: 5x9

Bedroom

  • Level: Main
  • Area: 72
  • Dimensions: 9x8

Bedroom2

  • Level: Main
  • Area: 90
  • Dimensions: 10x9

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 175
  • Dimensions: 7x25

Features

  • Finished area below ground: 0
  • Finished area above ground: 640

Heating & Cooling

  • Heating features: Space Heater
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 640
  • Total interior livable area: 640 sqft

Kitchen

  • Level: Main
  • Area: 100
  • Dimensions: 12.5x8

Living Room

  • Level: Main
  • Area: 264
  • Dimensions: 22x12

Other

  • Level: Main
  • Area: 176
  • Dimensions: 11x16

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 95004130150
  • Zoning description: Residential-Single Family
  • Foundation area: 640

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Wrap Around
  • Fencing: Chain Link,Privacy
  • Has view: Yes
  • View description: Lake,Panoramic
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(0-4)

Lot

  • Lot size: 5,662 sqft
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 50 x 111

Parking

  • Parking features: Concrete

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 $1,516$18,192
Home Insurance *$198$2,376
Property Taxes $250$3,000
Electricity $170$2,050
Total$2,134$25,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,165/yr
40% on housing$64,020/yr
45% on housing$56,906/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

$469This listing

vs Other Active Listings

Avg $/sqft

ZIP 55398$187
Sherburne County$176

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
2026-05-12Price change$314,000
2026-04-08Listed for sale$324,000
2025-10-31Listing removed$350,000
2025-09-24Listed for sale$350,000
2019-09-26Sold$140,000
2019-08-06Pending sale$139,900
2019-07-26Listed for sale$139,900

For Sale by Agent

AgentShanin Garbow
BrokerageNorthstar Real Estate Associates

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