11630 16th Cir NE, Saint Michael, MN, 55376
About This Home
Conventional 5.50%/5.659% APR or FHA/VA 4.875%/5.639% APR if closing by October 30th with seller preferred lender. Call for further details. 4 bedrooms, morning room, loft, 3-car garage, main level office, walkout unfinished basement for future expansion, with million-dollar views - This home has it all! Everything is included at this price! No base price, plus lot premium, plus selections. All kitchen appliances (including vented microhood to outside), washer, dryer, blinds on operating windows throughout, soft close cabinetry, tankless water heater, designer finishes - upgraded lighting package & LVP on main floor, irrigation and landscaping. This beautiful new construction home provides the perfect balance of comfort and functionality. The open-concept main living area creates a natural flow between spaces, making it ideal for both everyday living and hosting guests. The kitchen seamlessly connects to the morning room, dining, and living spaces, creating a unified entertainment area. Upstairs, you will find the spacious owner's bedroom and en-suite bathroom, offering privacy and comfort. The additional bedrooms provide plenty of space for family members, guests, or home offices. This home delivers added privacy with no neighbors behind, a walkout unfinished basement for future expansion, and beautiful pond/wetland views is the cherry on top. Every detail has been carefully considered to create a beautiful and practical living environment.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Roof: Age 8 Years or Less,Architectural Shingle
- Construction materials: Concrete,Frame
Other
- Builder name: HANS HAGEN HOMES AND M/I HOMES
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Humidifier,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer
- Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup
Basement
- Has basement: Yes
- Basement: Drain Tiled,Sump Pump,Unfinished,Walk-Out Access
Bedroom
- Level: Upper
- Area: 210
- Dimensions: 14 x 15
Bedroom2
- Level: Upper
- Area: 154
- Dimensions: 11 x 14
Bedroom3
- Level: Upper
- Area: 168
- Dimensions: 12 x 14
Bedroom4
- Level: Upper
- Area: 154
- Dimensions: 11 x 14
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 165
- Dimensions: 11 x 15
Family Room
- Level: Main
- Area: 288
- Dimensions: 16 x 18
Features
- Number of fireplaces: 1
- Fireplace features: Electric,Family Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,632
Flex Room
- Level: Main
- Area: 88
- Dimensions: 11 x 8
Heating & Cooling
- Heating features: Forced Air,Fireplace(s)
- Cooling features: Central Air
Interior Area
- Total structure area: 3,524
- Total interior livable area: 2,632 sqft
Kitchen
- Level: Main
- Area: 180
- Dimensions: 12 x 15
Loft
- Level: Upper
- Area: 216
- Dimensions: 12 x 18
Sun Room
- Level: Main
- Area: 100
- Dimensions: 10 x 10
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 114429001100
- Zoning description: Residential-Single Family
- Foundation area: 1156
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 9,781 sqft
- Features: Sod Included in Price
- Lot size dimensions: 45 x 140 x 98 x 140
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
- Hail
- Heat Wave
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Wright County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,989 | $35,868 |
| Home Insurance * | $331 | $3,972 |
| Property Taxes | $468 | $5,616 |
| Electricity | $221 | $2,663 |
| Total | $4,009 | $48,108 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-02 | Listed for sale | $591,230 |
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