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28329 99th St NW, Zimmerman, MN, 55398

2beds
1baths
1,186sqft
$279,900
$236price/sqft
$1,959/moest. monthly cost
$78,360/yrincome needed

About This Home

Enjoy private, peaceful one-level living just a short walk from Sandy Lake Beach. This well-maintained home offers a quiet setting with thoughtful updates throughout, including a new furnace, new washer and dryer, updated lighting, and new carpet installed in 2021. The property also features a large detached workshop complete with heat and an upper loft space, offering endless flexibility for hobbies, storage, workspace, or recreational use. Whether you're looking for a more simplified lifestyle, extra room for projects, or a home that offers both comfort and functionality, this property delivers a hard-to-find combination of privacy, convenience, and versatility. Well and Septic compliant.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
6/10
Princeton Middle SchoolGrades 6-87.5 mi
6/10

Construction

Condition

  • Year built: 1959

Materials

  • Roof: Age Over 8 Years,Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Range,Refrigerator,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom

  • Level: Main
  • Area: 150
  • Dimensions: 15x10

Bedroom2

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Area: 165
  • Dimensions: 15x11

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,186

Foyer

  • Level: Main
  • Area: 55
  • Dimensions: 5x11

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,186
  • Total interior livable area: 1,186 sqft

Kitchen

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Laundry

  • Level: Main
  • Area: 55
  • Dimensions: 5x11

Living Room

  • Level: Main
  • Area: 192
  • Dimensions: 12x16

Office

  • Level: Main
  • Area: 81
  • Dimensions: 9x9

Property

Accessibility

  • Accessibility features: No Stairs Internal,Partially Wheelchair,Accessible Approach with Ramp

Details

  • Parcel number: 01004070580
  • Zoning description: Residential-Single Family
  • Foundation area: 1186

Features

  • Levels: One
  • Stories: 1
  • Fencing: None

Lot

  • Lot size: 1.15 Acres
  • Features: Irregular Lot,Tree Coverage - Medium
  • Lot size dimensions: 690 x 1350

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,Gravel,Insulated Garage
  • 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

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

How This Home’s Risks Compare

Hail
Lightning
Strong Wind
Tornado
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 $1,415$16,980
Home Insurance *$185$2,220
Property Taxes $189$2,268
Electricity $170$2,050
Total$1,959$23,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,165/yr
40% on housing$58,770/yr
45% on housing$52,240/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

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 55398$188
Sherburne County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 55398$200
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
2026-07-13Price change$279,900
2026-06-15Price change$289,900
2026-05-30Listed for sale$300,000
2021-09-01Sold$246,000
2021-08-27Pending sale$234,900
2021-07-16Listed for sale$234,900
2011-10-22Listing removed$139,900
2011-03-02Price change$139,900
2011-02-25Price change$139
2008-12-10Listed for sale$139,900

For Sale by Agent

AgentAdam Hippe
BrokerageReal Broker, LLC

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