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10668 39th St N, Lake Elmo, MN, 55042

6beds
5baths
4,452sqft
$899,000
$202price/sqft
$5,939/moest. monthly cost
$237,560/yrincome needed

About This Home

Luxury Living Without the Wait and a Rate You Won't Find Today! For qualified buyers, there's a rare opportunity to assume the seller's existing 2.25% VA mortgage rate, subject to lender and VA approval. Step inside and the two-story living room stops you in your tracks. A dramatic wall of windows floods the space with natural light, anchored by a floor-to-ceiling stone-wrapped fireplace and an open upper-level balcony that ties the whole home together. This is one of Lake Elmo's most thoughtfully designed homes, where soaring ceilings, timeless finishes, and everyday functionality come together in a home built for the way you want to live. Offering over 4,450 finished square feet, six bedrooms, five bathrooms, a heated garage, and a beautifully finished walkout lower level, this 2019-built home delivers space and flexibility that's increasingly difficult to find. The kitchen is as functional as it is impressive with custom cabinetry, a sleek backsplash, stainless steel appliances, an expansive center island, pull-out lower cabinet shelving, and a custom walk-in pantry flowing effortlessly into the dining area with direct access to a maintenance-free walkout deck for indoor-outdoor entertaining. Well-appointed bedrooms offer private ensuite baths and custom closet systems throughout, including an owner's suite with a tray ceiling, modern accent wall, abundant natural light, and a spa-inspired bath with double vanities, a soaking tub, and a walk-in shower. A dedicated office with custom built-in cabinetry, plus an additional study or hobby room with four custom workstations, offers exceptional flexibility for working, studying, or creative pursuits. The lower level is built for entertaining: a stylish wet bar with its own reverse osmosis system, an expansive gathering area, walkout access to the patio, and a dedicated home gym with mirrored walls and padded flooring. Outside, a beautifully landscaped yard, spacious patio, and dedicated firepit area set the stage for relaxing evenings or hosting guests. Unlike new construction, everything here is already done: landscaping, window treatments (black-out in bedrooms), a finished lower level, and premium upgrades including a brand-new 2025 high-efficiency modulating furnace and inverter A/C, tankless water heater, whole-home Kinetico water treatment and reverse osmosis, spray foam insulation, whole-home humidifier and dehumidifier, fresh air ventilation, home audio prewiring, and a fully spray foam insulated heated garage with custom storage and quiet-operating doors. Located within the highly regarded Stillwater School District, this home is minutes from Sunfish Lake Park and Lake Elmo Park Reserve, with neighborhood amenities including a park, pool, pool house, sports courts, and pond plus easy access to shopping, dining, and commuter routes. This is more than a beautiful home, it's a place designed to grow with your family for years to come. Schedule a private showing today.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
8/10
Stillwater Middle SchoolGrades 6-84.6 mi
10/10

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Concrete,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Central Vacuum,Disposal,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Humidifier,Gas Water Heater,Water Filtration System,Water Osmosis System,Iron Filter,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Washer,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Laundry Room,Sink,Upper Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Finished,Full,Concrete,Sump Basket,Sump Pump,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 306
  • Dimensions: 18x17

Bedroom2

  • Level: Main
  • Area: 175
  • Dimensions: 11'8x15

Bedroom3

  • Level: Upper
  • Area: 156
  • Dimensions: 12x13

Bedroom4

  • Level: Upper
  • Area: 195
  • Dimensions: 15x13

Bedroom5

  • Level: Upper
  • Area: 156
  • Dimensions: 12x13

Bedroom6

  • Level: Lower
  • Area: 270
  • Dimensions: 18x15

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 3
  • 3/4 bathrooms: 2

Dining Room

  • Level: Main
  • Area: 216
  • Dimensions: 12x18

Family Room

  • Level: Lower
  • Area: 504
  • Dimensions: 18x28

Features

  • Central Vacuum
  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,238
  • Finished area above ground: 3,214

Flex Room

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s),Heat Pump,Humidifier
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 4,452
  • Total interior livable area: 4,452 sqft

Kitchen

  • Level: Main
  • Area: 209
  • Dimensions: 11x19

Living Room

  • Level: Main
  • Area: 324
  • Dimensions: 18x18

Property

Accessibility

  • Accessibility features: Soaking Tub

Details

  • Parcel number: 1102921430027
  • Zoning description: Residential-Single Family
  • Foundation area: 1238

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Shared
  • Patio & porch: Deck

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: irregular

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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
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 $4,545$54,540
Home Insurance *$421$5,052
Property Taxes $598$7,176
Electricity $375$4,505
Total$5,939$71,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$203,622/yr
40% on housing$178,170/yr
45% on housing$158,373/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

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 55042$238
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
2026-07-29Price change$899,000
2026-07-15Listed for sale$949,000
2019-12-12Sold$763,945

For Sale by Agent

AgentSteele Brothers
BrokerageEdina Realty, Inc.

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