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5851 Freeland Bay N, Hugo, MN, 55038

5beds
5baths
5,241sqft
$1,197,000
$228price/sqft
$7,828/moest. monthly cost
$313,120/yrincome needed

About This Home

Wake up to peaceful pond views, spend your evenings watching sunsets over protected wetlands, and experience the best of luxury new construction in one of Hugo's most desirable communities. Now under construction and scheduled for completion in November, this exceptional Charlotte by Robert Thomas Homes blends timeless architecture with thoughtfully curated designer finishes and over 5,200 finished square feet of luxury living. From the dramatic two-story entry to the sun-filled gathering room, gourmet chef's kitchen, inviting sunroom, and expansive maintenance-free deck, every space was intentionally designed for connection, comfort, and effortless entertaining. The upper level is anchored by a stunning vaulted owner's retreat featuring a spa-inspired bath with a freestanding soaking tub, oversized walk-in shower, and two generous walk-in closets. Three additional bedrooms, three bathrooms, a spacious bonus room, and upper-level laundry complete the home's incredibly functional layout. Downstairs, the finished walkout level offers endless flexibility with a large family room, fifth bedroom, full bath, dedicated exercise room, and direct access to your private backyard overlooking protected wetlands. Professionally selected finishes, including wide-plank white oak flooring, custom cabinetry, Calacatta quartz countertops, brushed gold fixtures, and designer lighting create a home that feels sophisticated yet inviting. Every detail has already been selected, allowing you to enjoy the excitement of a brand-new home without the wait or stress of making design decisions. Luxury. Privacy. Nature. A home designed for the way you truly want to live. Mahtomedi School District 832.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
9/10
Mahtomedi Middle SchoolGrades 6-86.2 mi
10/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Concrete

Other

  • Builder name: ROBERT THOMAS HOMES INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Disposal,Double Oven,Dryer,Exhaust Fan,Humidifier,Gas Water Heater,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Drainage System

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,387
  • Finished area above ground: 3,854

Heating & Cooling

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

Interior Area

  • Total structure area: 5,479
  • Total interior livable area: 5,241 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: TBD
  • Zoning description: Residential-Single Family
  • Foundation area: 1625

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.30 Acres
  • Lot size dimensions: 80.20 x 135.00 x 80.20 x 135.00

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Washington 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 $6,052$72,624
Home Insurance *$570$6,840
Property Taxes $764$9,168
Electricity $442$5,304
Total$7,828$93,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$268,388/yr
40% on housing$234,840/yr
45% on housing$208,746/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: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 55038$216
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55038$206
Washington County$201

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
2026-06-27Listed for sale$1,197,000
2026-05-07Sold$200,000
2025-12-20Listing removed$955,490
2025-06-21Listed for sale$955,490

New Construction

AgentMichelle M Schwartz
BrokerageRobert Thomas Homes, Inc.

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