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12949 Fremont Ave, Zimmerman, MN, 55398

3beds
3baths
2,596sqft
$399,000
$154price/sqft
$2,903/moest. monthly cost
$116,120/yrincome needed

About This Home

Welcome home to this move-in ready rambler situated on a beautiful 1.24 acre lot in the heart of Zimmerman! Enjoy neutral finishes, on-trend flooring, and a spacious layout! The large kitchen window fills the home with natural light while offering peaceful backyard views, and the informal dining area includes built-in storage for added functionality. Enjoy the flexibility of a formal dining space that can also be used as a cozy sunroom, complete with a sliding glass door leading to the deck with built-in benches. The spacious primary suite offers a walk-in closet and private bath with a separate tub and shower, while the main level also features a convenient ¾ bath and laundry room with cabinetry and a sink. The lower level includes a large family room, an additional nice-sized bedroom, and a ¾ bathroom with linen closet. Outside, enjoy tasteful landscaping, a concrete driveway, storage shed, and an attached 3-stall garage complete with shelving, a workbench, and a ramp for easy home access. The mechanical room also doubles as a workshop space with a workbench. Conveniently located near shopping, dining, and Zimmerman Middle/High School, this home offers the perfect blend of space, comfort, and convenience!

Getting Around

50
WalkingSomewhat Walkable
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

--
7/10
Zimmerman Middle SchoolGrades 6-80.4 mi
6/10
Zimmerman High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Block,Steel Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Finished,Storage Space

Bedroom

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Level: Lower
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Features

  • Finished area below ground: 1,168
  • Finished area above ground: 1,428

Heating & Cooling

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

Interior Area

  • Total structure area: 2,596
  • Total interior livable area: 2,596 sqft

Laundry

  • Level: Main
  • Area: 42
  • Dimensions: 7x6

Living Room

  • Level: Main
  • Area: 224
  • Dimensions: 16x14

Living Room

  • Level: Lower
  • Area: 752
  • Dimensions: 47x16

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 95000084456
  • Zoning description: Residential-Single Family
  • Foundation area: 1168

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck

Lot

  • Lot size: 1.24 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 159 x 335 x 159 x 335

Parking

  • Total spaces: 3
  • Parking features: Attached,Electric,Storage
  • 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
  • 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 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 $2,017$24,204
Home Insurance *$264$3,168
Property Taxes $404$4,848
Electricity $218$2,627
Total$2,903$34,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,531/yr
40% on housing$87,090/yr
45% on housing$77,413/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

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 55398$187
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
2026-05-08Listed for sale$449,500

For Sale by Agent

AgentChristopher Fritch
BrokerageeXp Realty

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