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22816 Jarvis St NW, Elk River, MN, 55330

4beds
5baths
3,507sqft
$854,999
$244price/sqft
$5,750/moest. monthly cost
$230,000/yrincome needed

About This Home

Stunning Custom-Built Haven Home on 2.5 Wooded Acres in Nowthen! Welcome to this beautifully crafted new construction two-story by Haven Homes, situated on a private, fully wooded 2.5-acre lot with no backyard neighbors. Offering exceptional quality, thoughtful design, and extensive upgrades throughout, this fully finished home is truly move-in ready. The open-concept main level is filled with natural light from floor-to-ceiling windows and features custom white oak and painted cabinetry, premium quartz countertops, a hidden walk-in pantry, Bosch Gourmet appliances, double ovens, cooktop, quartz backsplash, built-ins, and a stunning floor-to-ceiling stone fireplace. A main-level flex room and additional ¾ bath provide versatility for everyday living. The upper level offers three spacious bedrooms, 2 full baths, second-floor laundry, and a luxurious primary suite complete with a freestanding soaking tub, tiled walk-in shower with glass enclosure, dual vanities, herringbone tile flooring, and a spacious walk-in closet. The finished lower level is designed for entertaining, featuring a wet bar, large family room, additional flex space, bedroom, and bathroom. No detail was overlooked in this home. Upgrades include premium LP siding with stone accents, Timberline HDZ shingles, extensive landscaping with irrigation, concrete curbing, boulder walls, mature trees, oversized concrete patio, widened asphalt driveway with turnaround, additional parking pad, premium flooring throughout, custom millwork, solid core doors, upgraded lighting package, under-cabinet lighting, CAT-6 wiring, bidet outlets, future RV or pool hookup, and much more. The oversized 3-car garage is insulated, sheetrocked, features a full-width trench drain, service door, additional outlets, and is roughed in for a future heater. Located in the Elk River School District, this property also offers ample space for a future 30x60 detached garage or outbuilding, making it ideal for hobbies, toys, or additional storage. Why settle for standard new construction when you can own a home loaded with custom upgrades on a beautiful private acreage lot? This is acreage living at its finest.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

--
7/10
Zimmerman Middle SchoolGrades 6-85.6 mi
6/10
Zimmerman High SchoolGrades 9-125.6 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

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

Other

  • Builder name: HAVEN HOMES LLC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Double Oven,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Upper Level

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished,Storage Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 3/4 bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,171
  • Finished area above ground: 2,336

Heating & Cooling

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

Interior Area

  • Total structure area: 3,507
  • Total interior livable area: 3,507 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 75009450110
  • Zoning description: Residential-Single Family
  • Foundation area: 1171

Features

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

Lot

  • Lot size: 2.50 Acres
  • Lot size dimensions: 270 x 405

Parking

  • Total spaces: 3
  • Parking features: Attached,Asphalt
  • 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 WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Lightning
Wildfire
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 $4,323$51,876
Home Insurance *$456$5,472
Property Taxes $676$8,112
Electricity $295$3,549
Total$5,750$69,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,142/yr
40% on housing$172,500/yr
45% on housing$153,333/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

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 55330$178
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
2026-08-10Price change$834,999
2026-07-08Price change$854,999
2026-06-11Listed for sale$879,000
2025-08-12Listing removed$789,900
2025-02-11Listed for sale$789,900

New Construction

AgentRocky Horn
BrokerageeXp Realty

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