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10272 177th Ave NW, Elk River, MN, 55330

4beds
3baths
3,122sqft
$548,500
$176price/sqft
$3,762/moest. monthly cost
$150,480/yrincome needed

About This Home

Mortgage rate promotions starting as low as 3.5% on all houses with builder’s preferred lender! Trinity Artisan Homes and Indigo Designs are pleased to present the Hemlock floorplan with an unfinished basement. High ceilings, oversized kitchen island, primary suite with optional soaking tub and tiled bathrooms, luxury appliances, gas fireplace, and much more! Open and flowing floorplan allows natural light to fill all living spaces. Actual floorplan may vary from images shown.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

7/10
6/10
Salk Middle SchoolGrades 6-82.9 mi
8/10

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Concrete

Other

  • Builder name: TRINITY ARTISAN HOMES

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)

Basement

  • Has basement: Yes
  • Basement: Daylight,Drain Tiled,Egress Window(s),Storage Space,Unfinished

Bedroom

  • Level: Upper
  • Area: 208
  • Dimensions: 16x13

Bedroom2

  • Level: Upper
  • Area: 140
  • Dimensions: 14x10

Bedroom3

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedroom4

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 180
  • Dimensions: 18x10

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,053

Heating & Cooling

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

Interior Area

  • Total structure area: 3,122
  • Total interior livable area: 3,122 sqft

Kitchen

  • Level: Main
  • Area: 280
  • Dimensions: 20x14

Living Room

  • Level: Main
  • Area: 378
  • Dimensions: 21x18

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 75009060115
  • Zoning description: Residential-Single Family
  • Foundation area: 1069

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.47 Acres
  • Lot size dimensions: 120 x 60

Parking

  • Total spaces: 3
  • Parking features: Attached,Asphalt,Garage Door Opener,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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters in Sherburne 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 $2,773$33,276
Home Insurance *$292$3,504
Property Taxes $434$5,208
Electricity $263$3,159
Total$3,762$45,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,982/yr
40% on housing$112,860/yr
45% on housing$100,320/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: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 55330$179
Sherburne County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 55330$187
Sherburne County$175

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
2026-05-05Listed for sale$548,500
2022-05-19Sold$96,000
2021-03-03Sold$80,000
2020-08-14Sold$69,000

For Sale by Agent

AgentZachary Kirchoff
BrokerageLakes Sotheby's International Realty

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