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12757 Ferrara Ave N, Hugo, MN, 55038

3beds
3baths
2,471sqft
$434,900
$176price/sqft
$3,052/moest. monthly cost
$122,080/yrincome needed

About This Home

Exceptionally maintained 3+BR, 3BA, 3 car garage on pristine corner lot. Freshly painted from top to bottom, plus new flooring and elegant transitions between oversized rooms and custom window treatments. This home boasts the perfect kitchen for any type of chef with well place center island plus quartz countertops and spacious pantry for all the extras. Primary suite includes a large walk-in closet and the on-suite bath has quartz countertop w/ separate shower & whirlpool jetted tub along w/ beautiful tile floors & jacuzzi back splash. Lower level is a walkout to private & peaceful patio making it the perfect place to relax or read a book while enjoying your morning coffee. XXXL family room w/ corner gas fireplace is perfect for our MN winters and custom oak kitchenette is wonderful for entertaining family & friends year-round. There is also a great hobby room/game rm/den for the new owners’ favorite activities. The sunroom off the vaulted living rm has a larger deck & another perfect spot to relax with your evening coffee or favorite cocktail. All these wonder amenities are located on a nicely treed corner lot with quaint Cul De Sac and wonderful & caring neighbors to make this the perfect place to call home.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
North Star ElementaryGrades K-52.6 mi
6/10
Central Middle SchoolGrades 6-83.2 mi

Construction

Condition

  • Year built: 2002

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Concrete,Frame,Stone

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Chandelier,Dishwasher,Disposal,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Gas Water Heater,Water Filtration System,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished,Full,Concrete,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 168
  • Dimensions: 14X12

Bedroom2

  • Level: Main
  • Area: 121
  • Dimensions: 11X11

Bedroom3

  • Level: Lower
  • Area: 216
  • Dimensions: 18X12

Bedrooms & Bathrooms

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

Den

  • Level: Lower
  • Area: 130
  • Dimensions: 10x13

Dining Room

  • Level: Main
  • Area: 130
  • Dimensions: 13X10

Family Room

  • Level: Lower
  • Area: 527
  • Dimensions: 31X17

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,048
  • Finished area above ground: 1,423

Heating & Cooling

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

Interior Area

  • Total structure area: 2,471
  • Total interior livable area: 2,471 sqft

Kitchen

  • Level: Main
  • Area: 156
  • Dimensions: 13X12

Laundry

  • Level: Main
  • Area: 80
  • Dimensions: 10X8

Living Room

  • Level: Main
  • Area: 182
  • Dimensions: 14X13

Sun Room

  • Level: Main
  • Area: 144
  • Dimensions: 12X12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3203121220066
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 1423

Features

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

Lot

  • Lot size: 4,295 sqft
  • Features: Corner Lot,Irregular Lot,Tree Coverage - Light
  • Lot size dimensions: COMMON

Parking

  • Total spaces: 3
  • Parking features: Attached,Asphalt,Garage Door Opener,Insulated Garage
  • 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
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Washington 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 $2,199$26,388
Home Insurance *$207$2,484
Property Taxes $438$5,256
Electricity $208$2,500
Total$3,052$36,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,640/yr
40% on housing$91,560/yr
45% on housing$81,386/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: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 55038$216
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55038$206
Washington County$201

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
2026-07-21Price change$434,900
2026-06-12Listed for sale$439,900
2026-05-08Listing removed$439,900
2026-04-14Listed for sale$439,900
2002-07-25Sold$253,528

For Sale by Agent

AgentLonnie S. Ness
BrokerageRE/MAX Select, Inc.

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