28754 Oak Dr NW, Zimmerman, MN, 55398
About This Home
Blue Lake Home with 150 Ft of Shoreline + Extra Lot. Enjoy lake living on Blue Lake with 150 feet of shoreline and beautifully designed outdoor spaces. This 3 bedroom, 2 bathroom home is perfectly set up to take advantage of everything lake life has to offer—boating, fishing, and swimming right from your own property. Outdoor features shine with a large deck, and a beautifully landscaped lakeside patio, creating the perfect setting for relaxing or entertaining while enjoying the lake views. A Juliette balcony adds charm and another place to take in the scenery. Additional property highlights include: Detached garage. Large detached shed/bunk house for storage, or hobbies In-ground sprinkler system Adjacent lot across the road included with the sale, offering added space and opportunity A wonderful opportunity to own a well-appointed lake property with exceptional outdoor living spaces on Blue Lake. This home comes fully furnished and is turn-key ready.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1985
Materials
- Roof: Asphalt,Pitched
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Cooktop,Dryer,Exhaust Fan,Microwave,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Lower Level
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bedroom
- Level: Lower
- Area: 270
- Dimensions: 18x15
Bedroom2
- Level: Lower
- Area: 132
- Dimensions: 12x11
Bedroom3
- Level: Lower
- Area: 168
- Dimensions: 14x12
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Deck
- Level: Main
- Area: 468
- Dimensions: 36x13
Dining Room
- Level: Main
- Area: 130
- Dimensions: 13x10
Family Room
- Level: Main
- Area: 304
- Dimensions: 19x16
Features
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 1,028
- Finished area above ground: 1,370
Heating & Cooling
- Heating features: Other
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 2,398
- Total interior livable area: 2,398 sqft
Kitchen
- Level: Main
- Area: 182
- Dimensions: 14x13
Laundry
- Level: Main
- Area: 72
- Dimensions: 12x6
Living Room
- Level: Main
- Area: 130
- Dimensions: 13x10
Loft
- Level: Upper
- Area: 204
- Dimensions: 17x12
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 090400180
- Zoning description: Residential-Single Family
- Foundation area: 1080
Features
- Levels: One and One Half
- Stories: 1
- Pool features: None
- Patio & porch: Deck,Front Porch,Patio
- Fencing: None
- On waterfront: Yes
- Waterfront features: Lake Front,Lake Bottom(Sand)
- Frontage length: Water Frontage: 150
Lot
- Lot size: 1.64 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 103 x 211 x 115 x 245
Parking
- Total spaces: 3
- Parking features: Detached Garage,Gravel
- 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
- Lightning
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Wildfire
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Isanti 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 | $3,791 | $45,492 |
| Home Insurance * | $496 | $5,952 |
| Property Taxes | $629 | $7,548 |
| Electricity | $202 | $2,427 |
| Total | $5,118 | $61,416 |
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 |
|---|---|---|
| 2026-06-02 | Listed for sale | $749,900 |
| 2026-05-04 | Listing removed | $769,900 |
| 2026-03-20 | Listed for sale | $769,900 |
| 2020-05-04 | Sold | $425,000 |
| 2020-04-10 | Pending sale | $400,000 |
| 2020-03-12 | Listed for sale | $400,000 |
| 2005-11-30 | Sold | $400,000 |
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