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4905 Evergreen Dr N, Hugo, MN, 55038

3beds
2baths
1,534sqft
$434,900
$284price/sqft
$3,130/moest. monthly cost
$125,200/yrincome needed

About This Home

CLOSE-OUT on remaining previous phase homes! Welcome to The Villas at Water’s Edge and the stunning Marco floor plan! This detached villa townhome offers 1,534 sq ft of one-level living with 3 bedrooms, 2 baths, and a 3-car garage. The gourmet kitchen features stainless steel appliances, granite countertops, a center island, and a built-in pantry. The open-concept living area is filled with natural light and highlighted by a vaulted ceiling and designer finishes throughout. Enjoy luxury wide-plank flooring, soft-close white cabinetry, and a designer lighting package. The owner’s suite includes a walk-in shower and double vanity, while the private laundry room offers added convenience with a sink and cabinetry. Experience a worry-free lifestyle with lawn care, irrigation, and snow removal included—plus exclusive access to the private community center featuring a pool, fitness center, and more. Additional Close-Out Opportunities: * 4831 Education: 2 bedrooms on a premium wetlands lot * 4840 Education: 3 bedrooms with 3-car garage

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

6/10
Oneka Elementary SchoolGrades PK-50.2 mi
6/10
Central Middle SchoolGrades 6-85.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Detached

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Laundry Room,Main Level,Sink

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 168
  • Dimensions: 14 x 12

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 12 x 11

Bedroom3

  • Level: Main
  • Area: 130
  • Dimensions: 10 x 13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 156
  • Dimensions: 13 x 12

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,534

Heating & Cooling

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

Interior Area

  • Total structure area: 1,534
  • Total interior livable area: 1,534 sqft

Kitchen

  • Level: Main
  • Area: 272
  • Dimensions: 16 x 17

Laundry

  • Level: Main
  • Area: 72
  • Dimensions: 9 x 8

Living Room

  • Level: Main
  • Area: 156
  • Dimensions: 13 x 12

Property

Accessibility

  • Accessibility features: No Stairs External,No Stairs Internal

Details

  • Parcel number: 1803121420222
  • Zoning description: Residential-Single Family
  • Foundation area: 1534

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Outdoor Pool,Shared
  • Patio & porch: Patio

Lot

  • Lot size: 3,702 sqft
  • Features: Sod Included in Price
  • Lot size dimensions: 62 x 60 x 62 x 60

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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 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 $2,199$26,388
Home Insurance *$207$2,484
Property Taxes $554$6,648
Electricity $170$2,050
Total$3,130$37,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,314/yr
40% on housing$93,900/yr
45% on housing$83,466/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

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 55038$216
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55038$206
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)

No zestimate history available

Price History

DateEventPrice
2025-10-11Price change$434,900
2025-08-04Listed for sale$445,000
2025-08-04Listing removed$445,000
2025-03-18Listed for sale$445,000
2025-03-18Listing removed$444,900
2025-01-07Listed for sale$444,900
2024-12-03Listing removed$444,900
2024-06-14Listed for sale$444,900

New Construction

AgentTonia L Kurth
BrokerageColdwell Banker Realty - Southwest Regional

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