14961 Madison St NE, Ham Lake, MN, 55304
About This Home
Tucked away on a quiet cul-de-sac in desirable Ham Lake, this spacious 5-bedroom, 4-bath brick home sits on a beautiful 1-acre lot designed for both everyday living and entertaining. The main level offers a formal dining room, private office, and an open-concept living room, informal dining area, and kitchen centered around a cozy fireplace. Convenient mudroom, laundry, and half bath are located just off the kitchen with direct garage access. Upstairs features four generously sized bedrooms, including a spacious primary suite with a luxurious 5-piece bath and dual vanities, plus an additional full bath. The finished lower level adds even more living space with a large family room, fifth bedroom, and additional bath. Enjoy outdoor living with a large deck, walkout lower-level patio, beautifully landscaped yard, fenced garden area with raised beds, underground critter protection, and two Honeycrisp apple trees. Recent updates include new carpet, wood flooring, furnace, fresh paint, granite countertops, and stainless steel appliances. A fantastic opportunity to enjoy space, comfort, and privacy in a wonderful neighborhood. Mortgage savings may be available for buyers of this listing.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Roof: Age Over 8 Years,Asphalt,Pitched
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Dryer,ENERGY STAR Qualified Appliances,Humidifier,Gas Water Heater,Water Filtration System,Iron Filter,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer,Water Softener Owned
- Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup
Basement
- Has basement: Yes
- Basement: Drainage System,Egress Window(s),Finished,Full,Walk-Out Access
Bedroom
- Level: Upper
- Area: 256
- Dimensions: 16x16
Bedroom2
- Level: Upper
- Area: 154
- Dimensions: 11x14
Bedroom3
- Level: Upper
- Area: 132
- Dimensions: 12x11
Bedroom4
- Level: Upper
- Area: 96
- Dimensions: 8x12
Bedroom5
- Level: Lower
- Area: 100
- Dimensions: 10x10
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 132
- Dimensions: 12x11
Family Room
- Level: Lower
- Area: 602
- Dimensions: 43x14
Features
- Number of fireplaces: 1
- Fireplace features: Electric,Insert,Living Room
- Fireplace: Yes
- Finished area below ground: 1,140
- Finished area above ground: 2,351
Heating & Cooling
- Heating features: Forced Air,Fireplace(s)
- Cooling features: Central Air,Dual,Whole House Fan
Interior Area
- Total structure area: 3,491
- Total interior livable area: 3,491 sqft
Kitchen
- Level: Main
- Area: 220
- Dimensions: 20x11
Living Room
- Level: Main
- Area: 168
- Dimensions: 12x14
Office
- Level: Main
- Area: 156
- Dimensions: 12x13
Property
Accessibility
- Accessibility features: Door Lever Handles
Details
- Parcel number: 193223430013
- Zoning description: Residential-Single Family
- Foundation area: 1207
Features
- Levels: More Than 2 Stories
- Pool features: None
- Patio & porch: Composite Decking,Deck,Front Porch,Patio
- Fencing: None
Lot
- Lot size: 1 Acres
- Features: Cleared,Irregular Lot,Sod Included in Price,Tree Coverage - Light
- Lot size dimensions: 81' x 118' x 64' x 270' x 244' x 24' x 24' x 24' x 24' x 21'
Parking
- Total spaces: 3
- Parking features: Attached,Asphalt,Electric Vehicle Charging Station(s),Garage Door Opener,Guest
- 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
- Hail
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Anoka 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 | $3,023 | $36,276 |
| Home Insurance * | $363 | $4,356 |
| Property Taxes | $436 | $5,232 |
| Electricity | $294 | $3,533 |
| Total | $4,116 | $49,392 |
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 |
|---|---|---|
| 2026-06-18 | Listed for sale | $598,000 |
| 2026-06-18 | Listing removed | $624,000 |
| 2026-06-05 | Price change | $624,000 |
| 2026-05-23 | Listed for sale | $639,000 |
| 2021-05-21 | Sold | $530,000 |
| 2021-03-31 | Pending sale | $520,000 |
| 2021-03-20 | Listed for sale | $520,000 |
| 2014-06-17 | Sold | $337,000 |
| 2014-03-13 | Price change | $350,000 |
| 2014-02-18 | Listed for sale | $354,000 |
| 2003-09-29 | Sold | $350,194 |
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