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4890 127th Ln NE, Blaine, MN, 55449

3beds
3baths
3,008sqft
$579,900
$193price/sqft
$4,148/moest. monthly cost
$165,920/yrincome needed

About This Home

Welcome to the Victoria Floor Plan in Oakwood Ponds — Main-Level Living at Its Finest! Step into the spacious entryway, where you're greeted by a warm and open layout. Just off the entrance, you'll find Bedroom 2 and a conveniently located full bathroom on the main level—perfect for guests or a home office. Continue into the heart of the home: an expansive, open-concept kitchen, living, and dining area designed for both comfort and style. The gourmet kitchen is a chef’s dream, featuring a gas cooktop, vented hood, upgraded appliances, and a stunning backsplash—all included. You'll love the ample cabinet storage and walk-in pantry, providing space for everything you need. The owner’s suite offers a peaceful retreat with a seamless flow into the luxurious en-suite bathroom, walk-in closet, and directly into the main-level laundry room—providing ease and convenience no matter where you are in the home. A cozy gas fireplace in the living room adds warmth and charm to your everyday living. Downstairs, the finished basement offers even more space with a generous storage area to suit all your needs. The large family room is ideal for entertaining or relaxing with a movie night and popcorn. You'll also find a third bedroom and an additional full bathroom, making it a perfect space for guests or extended family. Enjoy a maintenance-free lifestyle with HOA-covered lawn care and snow removal—giving you more time to relax and less time worrying about upkeep. MOVE-IN READY!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

9/10
Sunrise ElementaryGrades K-50.5 mi
6/10
Roosevelt Middle SchoolGrades 6-85.2 mi
7/10
Blaine Senior High SchoolGrades 9-125.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

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

Other

  • Builder name: CREATIVE HOMES INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Disposal,Exhaust Fan,Freezer,Humidifier,Gas Water Heater,Microwave,Refrigerator,Stainless Steel Appliance(s),Wall Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Drain Tiled,Drainage System,Finished,Concrete,Storage Space,Sump Pump

Bathroom

  • Level: Main
  • Area: 54
  • Dimensions: 9x6

Bathroom

  • Level: Lower
  • Area: 50
  • Dimensions: 10x5

Bedroom

  • Level: Main
  • Area: 210
  • Dimensions: 14x15

Bedroom2

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

Bedroom3

  • Level: Lower
  • Area: 168
  • Dimensions: 12x14

Bedrooms & Bathrooms

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

Dining Room

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

Family Room

  • Level: Lower
  • Area: 572
  • Dimensions: 26x22

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 888
  • Finished area above ground: 1,687

Flex Room

  • Level: Lower
  • Area: 432
  • Dimensions: 18x24

Foyer

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

Heating & Cooling

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

Interior Area

  • Total structure area: 3,008
  • Total interior livable area: 3,008 sqft

Kitchen

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Laundry

  • Level: Main
  • Area: 50
  • Dimensions: 5x10

Living Room

  • Level: Main
  • Area: 228
  • Dimensions: 12x19

Mud Room

  • Level: Main
  • Area: 63
  • Dimensions: 7x9

Primary Bathroom

  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Walk In Closet

  • Level: Main
  • Area: 70
  • Dimensions: 7x10

Walk In Closet

  • Level: Lower
  • Area: 42
  • Dimensions: 7x6

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 013123410023
  • Zoning description: Residential-Single Family
  • Foundation area: 1687

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio

Lot

  • Lot size: 8,712 sqft
  • Features: Corner Lot,Sod Included in Price
  • Lot size dimensions: 127 x 61

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $2,932$35,184
Home Insurance *$277$3,324
Property Taxes $686$8,232
Electricity $253$3,044
Total$4,148$49,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,217/yr
40% on housing$124,440/yr
45% on housing$110,613/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

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 55449$180
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55449$197
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
2026-03-22Price change$599,900
2026-02-18Price change$619,900
2025-07-26Listed for sale$629,900

New Construction Spec

AgentLindsay Auger
BrokerageNew Home Star

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