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473 173rd Ave NE, Ham Lake, MN, 55304

4beds
3baths
3,797sqft
$725,000
$191price/sqft
$5,341/moest. monthly cost
$213,640/yrincome needed

About This Home

Introducing The Northbrook 2 — a beautifully designed to-be-built 2-story home nestled on a spacious lot in Ham Lake and within the highly rated Andover Schools. This spacious layout offers 4 bedrooms and 3 baths, with all bedrooms located upstairs for maximum privacy. The primary suite features a walk-in tile shower, double sinks, and a generous walk-in closet. The main level boasts an open-concept design filled with natural light. The kitchen is completed with granite countertops, a large center island, and seamless flow into the dining and living areas. Enjoy cozy evenings by the stone-surround fireplace or step outside and explore the nearby parks and trails. Additional highlights include an upstairs laundry room, an unfinished basement offering room to grow, and an oversized 4-car garage—plenty of space for hobbies, storage, or a workshop. Now is your chance to select finishes and personalize the space to suit your style and make it your own. Don’t miss the opportunity to create your dream home in an established, scenic community. Schedule a tour of the lot or a consultation to explore build options.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

9/10
7/10
Oak View Middle SchoolGrades 6-83.4 mi
8/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Architectural Shingle,Asphalt
  • Construction materials: Frame

Other

  • Builder name: T H CONSTRUCTION OF ANOKA INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Laundry Room,Sink,Upper Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Egress Window(s),Full,Concrete,Unfinished

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Den

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

Dining Room

  • Level: Main
  • Area: 112
  • Dimensions: 14x8

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,536

Heating & Cooling

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

Interior Area

  • Total structure area: 3,797
  • Total interior livable area: 3,797 sqft

Kitchen

  • Level: Main
  • Area: 245
  • Dimensions: 17.5x14

Living Room

  • Level: Main
  • Area: 315
  • Dimensions: 18x17.5

Primary Bathroom

  • Level: Upper
  • Area: 112
  • Dimensions: 14x8

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 063223340028
  • Zoning description: Residential-Single Family
  • Foundation area: 1261

Features

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

Lot

  • Lot size: 0.92 Acres
  • Features: Corner Lot,Tree Coverage - Heavy
  • Lot size dimensions: 242 x 80 x 183 x 103 x 36 x 36 x 36 x 86

Parking

  • Total spaces: 4
  • Parking features: Attached,Asphalt,Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Hail
    HailModerate

How This Home’s Risks Compare

Strong Wind
Hail

FEMA Declared Disasters in Anoka 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 $3,665$43,980
Home Insurance *$441$5,292
Property Taxes $915$10,980
Electricity $320$3,842
Total$5,341$64,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,120/yr
40% on housing$160,230/yr
45% on housing$142,426/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: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 55304$205
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55304$194
Anoka County$194

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
2025-12-08Listed for sale$699,900

New Construction

AgentMatthew Davies
BrokerageKeller Williams Classic Realty

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