123 20th Ave SW, Cambridge, MN, 55008
About This Home
Modern construction, desirable upgrades, outdoor living spaces, and room to grow make this move-in-ready home an exceptional opportunity in one of the most welcoming communities. This spacious 4-bedroom, 3-bathroom home offers a thoughtfully designed floor plan with quality finishes throughout. The main level features durable commercial-grade vinyl plank flooring, an open-concept living area, and a well-appointed kitchen complete with granite countertops, a center island, pantry, and impressive 42-inch upper cabinets that provide abundant storage and style. Enjoy your time outside on the 10x22 deck, the patio underneath, or wait for the evening to start a fire to enjoy the evening skies. This is an opportunity to own a beautiful home in Cambridge, where small-town charm meets modern convenience. Enjoy easy access to local parks, trails, community events, shopping, and dining while still embracing the relaxed lifestyle that makes Cambridge such a desirable place to call home. Take a walk through the home with our Matterport tour!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2021
Materials
- Roof: Age 8 Years or Less,Asphalt
- Construction materials: Block,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
- Laundry features: In Basement,Gas Dryer Hookup,Lower Level,Laundry Room,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Crawl Space,Daylight,Partially Finished,Sump Basket,Tile Shower,Walk-Out Access
Bedroom
- Level: Upper
- Area: 169
- Dimensions: 13x13
Bedroom2
- Level: Upper
- Area: 140
- Dimensions: 10x14
Bedroom3
- Level: Lower
- Area: 132
- Dimensions: 11x12
Bedroom4
- Level: Lower
- Area: 143
- Dimensions: 11x13
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 2
Deck
- Area: 220
- Dimensions: 10x22
Dining Room
- Level: Upper
- Area: 110
- Dimensions: 10x11
Features
- Finished area below ground: 428
- Finished area above ground: 1,260
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,404
- Total interior livable area: 1,688 sqft
Kitchen
- Level: Upper
- Area: 144
- Dimensions: 12x12
Living Room
- Level: Upper
- Area: 180
- Dimensions: 12x15
Patio
- Area: 220
- Dimensions: 10x22
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 153170020
- Zoning description: Residential-Single Family
- Foundation area: 1144
Features
- Levels: Multi/Split
- Pool features: None
- Patio & porch: Deck,Patio
- Fencing: Invisible
Lot
- Lot size: 0.38 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 80 x 203 x 80 x 209
Parking
- Total spaces: 3
- Parking features: Attached,Asphalt,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
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Isanti 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 | $2,002 | $24,024 |
| Home Insurance * | $257 | $3,084 |
| Property Taxes | $320 | $3,840 |
| Electricity | $170 | $2,050 |
| Total | $2,749 | $32,988 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Pending sale | $396,000 |
| 2026-06-23 | Listed for sale | $396,000 |
| 2021-06-17 | Sold | $294,000 |
| 2021-04-12 | Pending sale | $294,000 |
| 2021-04-09 | Listed for sale | $294,000 |
For Sale by Agent
View on Zillow