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126 Maple Ter, Waconia, MN, 55387

3beds
3baths
2,624sqft
$599,900
$229price/sqft
$4,449/moest. monthly cost
$177,960/yrincome needed

About This Home

Welcome to 126 Maple Terrace, a home in Waconia's Island View Estates neighborhood. Hop on a golf cart and you're at Island View Golf Club in minutes, with Lake Waconia Park just as close. Walk in and you're greeted by an office/flex room right off the entry, then 10-foot ceilings and large windows across the back of the home draw you into the heart of the house. The living room, kitchen, and dining room sit together at the back, filled with natural light from windows on every side, plus a bright sunroom and a gas fireplace in the living room. A 9-foot sliding glass door leads out back. Off the 3 car garage, a large mudroom with custom shelving and a half bath keep everyday life organized. The kitchen is a true showstopper: an oversized center island with custom wrought iron pendants in a bronze finish with satin gold accents, upgraded Cambria quartz countertops, a farmhouse single-basin sink, a satin gold faucet, and a French-door refrigerator with water filtration. Luxury vinyl plank flooring runs through the entire main level. Upstairs you'll find a loft (easily converted to a 4th bedroom), a dedicated tech nook, 3 bedrooms, and 2 bathrooms, plus a laundry room with custom cabinetry and a utility sink. The owner's suite features a vaulted tray ceiling and a spa-like bath with dual sinks, a soaker tub, and a walk-in tiled shower. The back of the home faces west, so you get amazing sunsets from the moment you walk in the door. Downstairs, the framed and semi-finished basement is ready for you to add a bedroom, bathroom, family room, workout space, or guest suite, built-in equity waiting to happen. Add in easy access to Highway 5 and the western Twin Cities metro, plus nearby parks, trails, shopping, and dining, and you've got a home that delivers on both lifestyle and location.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

8/10
Laketown ElementaryGrades K-51.0 mi
8/10
Waconia Middle SchoolGrades 6-83.3 mi
8/10

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Disposal,Double Oven,Dryer,Freezer,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Drain Tiled,Sump Basket,Sump Pump

Bedroom

  • Level: Upper
  • Area: 182
  • Dimensions: 13x14

Bedroom2

  • Level: Upper
  • Area: 121
  • Dimensions: 11x11

Bedroom3

  • Level: Upper
  • Area: 132
  • Dimensions: 11x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 170
  • Dimensions: 10x17

Family Room

  • Level: Main
  • Area: 289
  • Dimensions: 17x17

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,624

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,624
  • Total interior livable area: 2,624 sqft

Kitchen

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

Laundry

  • Level: Upper
  • Area: 40
  • Dimensions: 5x8

Loft

  • Level: Upper
  • Area: 104
  • Dimensions: 13x8

Mud Room

  • Level: Main
  • Area: 60
  • Dimensions: 6x10

Storage

  • Level: Upper
  • Area: 54
  • Dimensions: 6x9

Sun Room

  • Level: Main
  • Area: 160
  • Dimensions: 10x16

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 754430840
  • Zoning description: Residential-Single Family
  • Foundation area: 1312

Features

  • Levels: Two
  • Stories: 2
  • Fencing: None

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 78 x 135 x 59 x 136

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 WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Tornado
Heat Wave
Inland Flooding
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in Carver 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 $3,033$36,396
Home Insurance *$356$4,272
Property Taxes $839$10,068
Electricity $221$2,655
Total$4,449$53,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$152,537/yr
40% on housing$133,470/yr
45% on housing$118,640/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 55387$187
Carver County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 55387$209
Carver County$220

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
2026-08-05Price change$574,900
2026-08-03Price change$599,900
2026-07-16Listed for sale$615,000
2026-07-10Listing removed$639,000
2026-06-15Price change$639,000
2026-06-08Listed for sale$689,000
2022-03-23Sold$614,175
2021-09-08Pending sale$614,175

For Sale by Agent

AgentMitchell Scrimgeour
BrokerageeXp Realty

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