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19310 University Ave NW, Oak Grove, MN, 55011

2beds
2baths
1,665sqft
$659,900
$396price/sqft
$4,386/moest. monthly cost
$175,440/yrincome needed

About This Home

Our newest model at Smith Grove offers all the amenities that comes from our ICF constructed homes - One level living - Handicap accessible living - Energy efficiency - Durability - with just a smaller footprint on 2.1 acres. We offer both front and back covered porch areas, in floor heat, custom cabinetry, granite counters and Hickory woodwork. There is a vaulted ceiling in the main - open concept - living area with large windows. Spacious primary bedroom has a box vault and walks into a beautiful primary bath, double vanity, spacious walk in shower and an ample walk in closet. There is a large laundry room as you enter from the garage and also a spacious walk in closet for all your storage needs. The 3 car garage is completely finished, heated, with floor drains, water spigot and epoxy floor. Home is under construction.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
4/10
8/10
St. Francis High SchoolGrades 9-126.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Asphalt
  • Construction materials: ICFs (Insulated Concrete Forms)

Other

  • Builder name: SIMPLE TIMES CONSTRUCTION INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 196
  • Dimensions: 14x14

Bedroom2

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Bedrooms & Bathrooms

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

Dining Room

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,665

Heating & Cooling

  • Heating features: Ductless Mini-Split,In-Floor Heating
  • Cooling features: Ductless Mini-Split

Interior Area

  • Total structure area: 1,665
  • Total interior livable area: 1,665 sqft

Kitchen

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Laundry

  • Level: Main
  • Area: 85
  • Dimensions: 10x8.5

Living Room

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Property

Accessibility

  • Accessibility features: Doors 36"+,Hallways 42"+,Door Lever Handles,No Stairs External,No Stairs Internal,Raised Outlets,Partially Wheelchair,Roll-In Shower

Details

  • Parcel number: 253324140008
  • Zoning description: Residential-Single Family
  • Foundation area: 1665

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Porch

Lot

  • Lot size: 2.11 Acres
  • Features: Corner Lot,Sod Included in Price,Tree Coverage - Light
  • Lot size dimensions: 2.1

Parking

  • Total spaces: 3
  • Parking features: Attached,Asphalt,Concrete,Floor Drain,Garage,Garage Door Opener,Heated Garage,Insulated Garage
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Lightning
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 $3,336$40,032
Home Insurance *$364$4,368
Property Taxes $516$6,192
Electricity $170$2,050
Total$4,386$52,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,377/yr
40% on housing$131,580/yr
45% on housing$116,960/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

$396This listing

vs Other Active Listings

Avg $/sqft

ZIP 55011$208
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55011$206
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
2025-08-12Listed for sale$659,900

New Construction

AgentDoreen Lovelette
BrokerageHolly Street Realty

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