20091 Delta St, Big Lake, MN, 55309
About This Home
Move-In Ready Perfection! Prepare to be impressed by this immaculate, barely lived-in, 2021-built, 4-Bedroom Upper Level Layout, with an additional 2 Lower-Level Bedrooms, two-story home, tucked away in a quiet, single-entrance Big Lake neighborhood with no through-traffic! Blending modern style with functionality, the main level shines with massive natural light filtering through the open living, dining, and kitchen areas - perfect for entertaining. The kitchen features a large walk-in pantry, while the patio door steps out to an elevated backyard deck. Elegant French doors open to a private main-floor office, creating the ideal work-from-home sanctuary. Upstairs, discover 4 spacious bedrooms on one level, including a primary suite with a full ensuite bath, dual-sink vanity, and a spacious walk-in closet. The lower level was recently finished in 2024, expanding your footprint with an extra-large family room, 3/4 bath, and 2 additional bedrooms. Step outside to your expansive 0.49-acre yard, complete with raised garden beds and an irrigation system. The heated and insulated 3-stall garage features an extra-deep third stall, perfect for your toys, boat/trailer storage, or a workshop. Conveniently located near multiple lakes, parks, and regional trail systems, this home offers the perfect balance of serenity and accessibility.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2021
Materials
- Roof: Age 8 Years or Less,Architectural Shingle,Pitched
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Electric Water Heater,Exhaust Fan,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
- Laundry features: Gas Dryer Hookup,Laundry Room,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Daylight,Drain Tiled,Finished,Full,Storage Space,Sump Basket,Tile Shower
Bedroom
- Level: Upper
- Area: 202.5
- Dimensions: 15x13.5
Bedroom2
- Level: Upper
- Area: 126.5
- Dimensions: 11.5x11
Bedroom3
- Level: Upper
- Area: 126.5
- Dimensions: 11.5x11
Bedroom4
- Level: Upper
- Area: 136.5
- Dimensions: 13x10.5
Bedroom5
- Level: Lower
- Area: 105
- Dimensions: 10.5x10
Bedroom6
- Level: Lower
- Area: 95
- Dimensions: 10x9.5
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Deck
- Level: Main
- Area: 180
- Dimensions: 15x12
Dining Room
- Level: Main
- Area: 168
- Dimensions: 12x14
Family Room
- Level: Lower
- Area: 355.25
- Dimensions: 24.5x14.5
Features
- Finished area below ground: 925
- Finished area above ground: 2,080
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,005
- Total interior livable area: 3,005 sqft
Kitchen
- Level: Main
- Area: 140
- Dimensions: 10x14
Laundry
- Level: Main
- Area: 70
- Dimensions: 10x7
Living Room
- Level: Main
- Area: 238
- Dimensions: 17x14
Office
- Level: Main
- Area: 100
- Dimensions: 10x10
Utility Room
- Level: Lower
- Area: 120
- Dimensions: 12x10
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 65005450156
- Zoning description: Residential-Single Family
- Foundation area: 1040
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Covered,Deck,Front Porch,Porch
- Fencing: None
Lot
- Lot size: 0.49 Acres
- Features: Corner Lot,Tree Coverage - Light
- Lot size dimensions: 118 x 180
Parking
- Total spaces: 3
- Parking features: Attached,Asphalt,Garage Door Opener,Heated Garage,Insulated Garage,Storage
- 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
- Cold Wave
- Hail
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Sherburne County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,477 | $29,724 |
| Home Insurance * | $327 | $3,924 |
| Property Taxes | $494 | $5,928 |
| Electricity | $253 | $3,041 |
| Total | $3,551 | $42,612 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-06 | Price change | $489,900 |
| 2026-06-19 | Price change | $494,900 |
| 2026-06-05 | Listed for sale | $499,900 |
| 2024-10-16 | Sold | $480,000 |
| 2024-08-29 | Pending sale | $479,999 |
| 2024-06-14 | Listed for sale | $479,999 |
| 2024-06-11 | Listing removed | -- |
| 2024-06-03 | Price change | $479,999 |
| 2024-05-14 | Price change | $499,000 |
| 2024-04-19 | Listed for sale | $509,000 |
| 2022-02-15 | Sold | $408,000 |
| 2019-03-19 | Sold | $37,000 |
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