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7688 147th Ln NW, Ramsey, MN, 55303

2beds
1baths
1,230sqft
$325,000
$264price/sqft
$2,312/moest. monthly cost
$92,480/yrincome needed

About This Home

Welcome home! This spacious four-level split offers the perfect combination of comfortable living today and incredible opportunity for future equity. Inside, you'll find a vaulted ceiling, brand-new carpet throughout the upper level, and an oversized primary bedroom complete with a walk-in closet. Step outside to your own backyard retreat, featuring a stunning 10,500-gallon mineral pool surrounded by a massive multi-tiered, low-maintenance deck—an ideal space for entertaining, relaxing, and making the most of Minnesota summers. Looking for room to grow, or perhaps you want to build equity? This home includes two unfinished bedrooms, an unfinished bathroom, and a large flex space ready to become a family room, game room, home gym, or whatever fits your lifestyle. The expansion areas are already roughed in with plumbing and electrical, and the home includes many of the materials needed to complete the project, including a tub, vanity, toilet, drywall, and more. The location is equally impressive. Situated directly next to a large city park and community garden, and just across the street from The Waterfront park with its expansive splash pad and fishing pier, outdoor recreation is right at your doorstep. You'll also enjoy quick access to Highway 10, The CORE light rail station, shopping, dining, and miles of scenic nature trails. Don't miss this exceptional opportunity to own a home with outstanding outdoor amenities, an unbeatable location, and built-in potential to add significant value. Schedule your showing today!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

7/10
Ramsey Elementary SchoolGrades K-52.4 mi
7/10
Anoka Senior High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 2011

Materials

  • Roof: Age Over 8 Years

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Drain Tiled,Egress Window(s),Sump Basket,Sump Pump,Unfinished,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 169
  • Dimensions: 13x13

Bedroom2

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

Bedrooms & Bathrooms

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

Dining Room

  • Area: 110
  • Dimensions: 10x11

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,230

Heating & Cooling

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

Interior Area

  • Total structure area: 2,272
  • Total interior livable area: 1,230 sqft

Kitchen

  • Area: 323
  • Dimensions: 17x19

Living Room

  • Level: Upper
  • Area: 330
  • Dimensions: 22x15

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 283225210011
  • Zoning description: Residential-Single Family
  • Foundation area: 442

Features

  • Levels: Four or More Level Split
  • Private pool: Yes
  • Pool features: Above Ground,Heated,Outdoor Pool
  • Patio & porch: Composite Decking,Deck,Front Porch,Patio

Lot

  • Lot size: 7,405 sqft
  • Lot size dimensions: NE55*120*65*120

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Hail
Lightning
Tornado
Cold Wave
Heat Wave
Ice Storm
Winter Weather

FEMA Declared Disasters in Anoka 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 $1,643$19,716
Home Insurance *$200$2,400
Property Taxes $299$3,588
Electricity $170$2,050
Total$2,312$27,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,268/yr
40% on housing$69,360/yr
45% on housing$61,653/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$264This listing

vs Other Active Listings

Avg $/sqft

ZIP 55303$173
Anoka County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 55303$183
Anoka County$194

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
2026-08-06Listed for sale$325,000
2011-11-30Sold$160,000
2011-09-23Sold$10,000
2011-03-01Listed for sale$149,900

For Sale by Agent

AgentMichael King
BrokerageFreedom Realty

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