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30857 Palm St NW, Cambridge, MN, 55008

3beds
2baths
2,356sqft
$439,900
$187price/sqft
$3,052/moest. monthly cost
$122,080/yrincome needed

About This Home

Welcome home to this gorgeous country charmer on 2.7 wooded acres, hardwood floors, 9' foot ceilings on main level. Kitchen with center island, tile back splash, dining room with patio door that walks out to huge deck. 3 bedrooms up. Primary bedroom with pallet and tin wall, spa like bathroom with walk in tile shower, Jacuzzi tub and make up counter. If you have hobbies or toys this is it - there is plenty of space in one of 3 outbuildings, 4 stall garage 30x64, 40x64 shop that's split- half 1s finished and heated with bathroom and the other half is cold storage. 50x30 barn with lean-to and silo. Tons of charm and character in this home. Come take a look.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

--
Cambridge Primary SchoolGrades PK-24.2 mi
7/10
Cambridge Middle SchoolGrades 6-83.8 mi
6/10

Construction

Condition

  • Year built: 1905

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom

  • Level: Upper
  • Area: 182
  • Dimensions: 14x13

Bedroom2

  • Level: Upper
  • Area: 130
  • Dimensions: 13x10

Bedroom3

  • Level: Upper
  • Area: 176
  • Dimensions: 16x11

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 380
  • Dimensions: 38x10

Den

  • Level: Main
  • Area: 99
  • Dimensions: 9x11

Dining Room

  • Level: Main
  • Area: 195
  • Dimensions: 15x13

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,356

Heating & Cooling

  • Heating features: In-Floor Heating
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,756
  • Total interior livable area: 2,356 sqft

Kitchen

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Laundry

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

Living Room

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Mud Room

  • Level: Main
  • Area: 144
  • Dimensions: 18x8

Porch

  • Level: Main
  • Area: 160
  • Dimensions: 20x8

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 021010070
  • Zoning description: Residential-Single Family
  • Foundation area: 992

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck

Lot

  • Lot size: 2.70 Acres
  • Lot size dimensions: 312 x 401 x 297 x 385

Parking

  • Total spaces: 8
  • Parking features: Detached Garage,Heated Garage,Multiple Garages
  • Has garage: Yes
  • Attached garage spaces: 8
  • Covered spaces: 8

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters in Isanti 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 $2,224$26,688
Home Insurance *$285$3,420
Property Taxes $345$4,140
Electricity $198$2,384
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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 55008$167
Isanti County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 55008$179
Isanti County$186

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
2026-07-31Listed for sale$439,900
2020-10-27Sold$336,000
2020-09-10Pending sale$329,900
2020-08-28Listed for sale$329,900
2017-07-20Sold$290,000
2017-05-04Listed for sale$299,900
2013-06-28Sold$230,000
2013-05-02Listed for sale$239,900
2011-11-08Sold$206,000
2011-08-30Listed for sale$234,900
2011-07-20Listing removed$239,900
2011-04-13Price change$239,900
2011-03-26Listed for sale$244,900

For Sale by Agent

AgentJason DeMarre
BrokerageNorthstar Real Estate Associates

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