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518X 389th Trl, North Branch, MN, 55056

6beds
4baths
4,433sqft
$863,000
$195price/sqft
$6,018/moest. monthly cost
$240,720/yrincome needed

About This Home

Introducing 5185 389th Trail, North Branch, Minnesota. The "Arbor" floor plan is nestled upon 1.57 acres with a private tree-lined backyard, south-facing backyard beautiful nature and views, quiet entrance, low-traffic, and a thoughtfully placed / spaced out community. The "Arbor" floor plan offers a long-term loved spacious layout of 6 bedrooms, 4 bathrooms, with full luxury amenities that make everyday living so comfortable. Upon entering the foyer this home offers with grande windows and fantastic natural light, guest closet, guest bathroom, main level bedroom, living room, chef's kitchen, dining room, and mudroom with a walk-in pantry. You'll love the attention to detail with millwork throughout, built-in cabinets, benches, trim-work, and upgrades featured in this home. The gourmet kitchen offers high-end finishes, quartz countertops, soft-close cabinets, plenty of space to entertain and cook. Storage is a non-issue with the expansive mudroom off the garage, featuring more built-in cabinets and seating. Patio slider doors in the dining area lead to your future deck or 3 season porch, drawing your attention back out to the green space, nature, and wildlife views. The upper level offers 4 generous-sized bedrooms (all with walk-in closets), a full guest bathroom, full laundry room space with built-in cabinets and sink, and a primary bedroom suite that created to impress. The primary bedroom has views of the backyard green space, a 3/4 luxury primary bathroom, tiled shower, and walk-in closet with great natural light. The details and selections in this bathroom make the space ultra relaxing and spa-like. Clients have loved the spacious basement design. The lower level offers an additional family room, recreational room, 6th bedroom, and bathroom. Clients have also chosen to expand on this design and create additional bedrooms, bathrooms, sunrooms, saferooms, decks, and detached garages to make it truly their own. You'll love the large insulated 4 garage. Having a floor drain, and generous space to store additional toys makes the space practical and tidy. This specific lot is perfect for a walkout home, with fantastic south-facing views. Enjoy watching wildlife off your back deck or patio. Opportunity and room to build an additional shop or structure on the property. The Sunrise Bluff community is highly sought after due to its close proximity to easy commutes to the Twin Cities & St. Croix Falls, WI, but also, its beautiful rural country environment and landscape. If this lot doesn't fit for you, we offer many other lot options in this development, in other local / rural communities, as well as Build On Your Own Lot options. This lot is closed builder. Please see supplements for more information on the Sunrise Bluff community. Reach out directly for more information on home floor-plan options, specs and plans that our clients have loved in the past, current model home directions, and inspiration for your new home!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

3/10
5/10

Construction

Condition

  • Year built: 2026

Materials

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

Other

  • Builder name: LARRY BEACH CONSTRUCTION INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Laundry Room,Sink,Upper Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Drain Tiled,Finished,Full,Storage Space,Sump Basket,Walk-Out Access

Bathroom

  • Level: Main
  • Area: 30
  • Dimensions: 6x5

Bathroom

  • Level: Upper
  • Area: 72
  • Dimensions: 9x8

Bathroom

  • Level: Lower
  • Area: 60
  • Dimensions: 10x6

Bedroom

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

Bedroom2

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

Bedroom3

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedroom4

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

Bedroom5

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

Bedroom6

  • Level: Lower
  • Area: 198
  • Dimensions: 18x11

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 1
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 198
  • Dimensions: 18x11

Family Room

  • Level: Lower
  • Area: 540
  • Dimensions: 27x20

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 848
  • Finished area above ground: 2,190

Foyer

  • Level: Main
  • Area: 70
  • Dimensions: 10x7

Garage

  • Level: Main
  • Area: 1161
  • Dimensions: 43x27

Heating & Cooling

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

Interior Area

  • Total structure area: 4,433
  • Total interior livable area: 4,433 sqft

Kitchen

  • Level: Main
  • Area: 198
  • Dimensions: 18x11

Laundry

  • Level: Upper
  • Area: 77
  • Dimensions: 11x7

Living Room

  • Level: Main
  • Area: 256
  • Dimensions: 16x16

Mud Room

  • Level: Main
  • Area: 60
  • Dimensions: 10x6

Other

  • Level: Main
  • Area: 30
  • Dimensions: 6x5

Porch

  • Level: Main
  • Area: 114
  • Dimensions: 19x6

Primary Bathroom

  • Level: Upper
  • Area: 90
  • Dimensions: 10x9

Utility Room

  • Level: Lower
  • Area: 228
  • Dimensions: 19x12

Walk In Closet

  • Level: Upper
  • Area: 60
  • Dimensions: 10x6

Walk In Closet

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

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 110039012
  • Zoning description: Residential-Single Family
  • Foundation area: 2243

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered
  • Topography of land: Gently Rolling,Level,Walkout

Lot

  • Lot size: 1.57 Acres
  • Features: Irregular Lot,Sod Included in Price,Tree Coverage - Medium
  • Lot size dimensions: TBD

Parking

  • Total spaces: 4
  • Parking features: Attached,Asphalt,Floor Drain,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Chisago 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 $4,363$52,356
Home Insurance *$549$6,588
Property Taxes $733$8,796
Electricity $373$4,486
Total$6,018$72,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,331/yr
40% on housing$180,540/yr
45% on housing$160,480/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 55056$173
Chisago County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 55056$197
Chisago County$213

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
2026-03-13Listed for sale$852,050

For Sale by Agent

AgentLauren Janoski
BrokerageColdwell Banker Realty

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