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13905 Kamacite Ter NW, Ramsey, MN, 55303

3beds
3baths
1,496sqft
$352,900
$236price/sqft
$2,502/moest. monthly cost
$100,080/yrincome needed

About This Home

Ask how to get up to 6% seller contributions! Move-in ready! Secure this beautifully designed Afton floorplan featuring 3 bedrooms and 2.5 bathrooms with an inviting open-concept layout ideal for everyday living and entertaining. Cozy fireplace creates a warm, welcoming gathering space. Relax in the spacious primary bath featuring a walk-in shower and soaker tub. Enjoy low-maintenance living in the desirable Rivenwick Village community. Conveniently located near Highway 10, making commuting simple and efficient. Explore scenic Mississippi River walking trails just minutes from home. Close to shopping, dining, and everyday essentials. Limited opportunity to own a brand-new home in one of the area's most sought-after communities.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

7/10
Ramsey Elementary SchoolGrades K-52.1 mi
7/10
Anoka Senior High SchoolGrades 9-123.0 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

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

Other

  • Builder name: LGI Homes

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,ENERGY STAR Qualified Appliances,Freezer,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Basement: None

Bathroom

  • Level: Second
  • Area: 65
  • Dimensions: 5x13

Bathroom

  • Level: First
  • Area: 25
  • Dimensions: 5x5

Bedroom

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

Bedroom2

  • Level: Second
  • Area: 130
  • Dimensions: 10x13

Bedroom3

  • Level: Second
  • Area: 130
  • Dimensions: 10x13

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 70
  • Dimensions: 5x14

Family Room

  • Level: First
  • Area: 140
  • Dimensions: 10x14

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,496

Heating & Cooling

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

Interior Area

  • Total structure area: 1,496
  • Total interior livable area: 1,496 sqft

Kitchen

  • Level: First
  • Area: 140
  • Dimensions: 10x14

Laundry

  • Level: Second
  • Area: 35
  • Dimensions: 7x5

Loft

  • Level: Second
  • Area: 120
  • Dimensions: 15x8

Primary Bathroom

  • Level: Second
  • Area: 99
  • Dimensions: 9x11

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 343225220074
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 636

Features

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

Lot

  • Lot size: 2,002 sqft
  • Lot size dimensions: 26 x 77

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Hail
Lightning
Tornado
Cold Wave
Heat Wave
Ice Storm
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 $1,784$21,408
Home Insurance *$217$2,604
Property Taxes $331$3,972
Electricity $170$2,050
Total$2,502$30,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,782/yr
40% on housing$75,060/yr
45% on housing$66,720/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

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 55303$173
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55303$183
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$339,900
2026-08-07Price change$339,900
2026-07-24Price change$352,900
2026-06-22Pending sale$349,900
2026-05-25Price change$349,900
2026-05-07Listed for sale$352,900
2026-04-20Pending sale$352,900
2026-04-03Price change$352,900
2026-03-30Pending sale$348,900
2026-03-26Listed for sale$348,900
2026-03-16Pending sale$348,900
2026-03-16Listed for sale$348,900
2026-03-09Pending sale$348,900
2026-03-05Listed for sale$348,900
2026-03-02Pending sale$348,900
2026-01-02Listed for sale$348,900
2025-12-01Listing removed$348,900
2025-11-14Price change$348,900
2025-09-26Listed for sale$344,900
AgentKarl Christenson
BrokerageLGI Realty-Minnesota, LLC

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