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38270 Everett Ave, North Branch, MN, 55056

5beds
4baths
2,536sqft
$505,000
$199price/sqft
$3,601/moest. monthly cost
$144,040/yrincome needed

About This Home

Come and see this wonderful custom-built 5 bedroom, 4-bathroom home with a 3 car garage in the quiet Wildridge Neighborhood that backs up to a future park. The main level has vaulted ceilings and white oak hardwood floors with a custom stone fireplace. The kitchen has a large center island with granite countertop, stainless steel appliances, a gas stove, custom cabinets, and a dining area that walks out to a 16x26 composite deck with a hot tub to entertain from. Walk upstairs to the full bathroom to the right and two bedrooms to the left. Straight ahead is the primary bathroom with a walk-in closet and a Custom Tiled Shower and Floors. Walk downstairs from the main level and there is a large family room, bedroom, bathroom, and laundry room. Walk down to the 4th level to find the 5th bedroom which is quiet and has a big walk-in closet. You can finish off the basement for a game room, bonus room, or storage area. Wildridge Park is around the corner. Close to Highway 95 and Shopping. Updates include: Roof (2023), Siding (2024) , Gutters (2024), Carpet (2026), Paint (2026)

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
5/10

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Age 8 Years or Less,Asphalt,Pitched
  • Construction materials: Block,Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Freezer,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Lower Level,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Egress Window(s),Finished,Full,Partially Finished,Sump Basket,Sump Pump,Unfinished,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 195
  • Dimensions: 13 x 15

Bedroom2

  • Level: Upper
  • Area: 144
  • Dimensions: 12 x 12

Bedroom3

  • Level: Upper
  • Area: 110
  • Dimensions: 11 x 10

Bedroom4

  • Level: Lower
  • Area: 140
  • Dimensions: 10 x 14

Bedroom5

  • Level: Basement
  • Area: 196
  • Dimensions: 14 x 14

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 1
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Deck

  • Level: Main
  • Area: 416
  • Dimensions: 26 x 16

Dining Room

  • Level: Main
  • Area: 165
  • Dimensions: 15 x 11

Family Room

  • Level: Lower
  • Area: 374
  • Dimensions: 22 x 17

Features

  • Number of fireplaces: 1
  • Fireplace features: Circulating,Family Room,Gas,Insert,Living Room,Stone
  • Fireplace: Yes
  • Finished area below ground: 982
  • Finished area above ground: 1,554

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,108
  • Total interior livable area: 2,536 sqft

Kitchen

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

Laundry

  • Level: Lower
  • Area: 80
  • Dimensions: 8 x 10

Living Room

  • Level: Main
  • Area: 210
  • Dimensions: 15 x 14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 110107083
  • Zoning description: Residential-Single Family
  • Foundation area: 1554

Features

  • Levels: Four or More Level Split
  • Pool features: None
  • Fencing: None

Lot

  • Lot size: 0.36 Acres
  • Features: Irregular Lot,Property Adjoins Public Land,Tree Coverage - Light
  • Lot size dimensions: 91 x 145 x 131 x 145

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather
Inland Flooding

FEMA Declared Disasters in Chisago 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 $2,553$30,636
Home Insurance *$321$3,852
Property Taxes $514$6,168
Electricity $213$2,566
Total$3,601$43,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,462/yr
40% on housing$108,030/yr
45% on housing$96,026/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 55056$172
Chisago County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 55056$197
Chisago County$213

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)

No zestimate history available

Price History

DateEventPrice
2026-08-18Pending sale$505,000
2026-07-25Price change$505,000
2026-07-10Pending sale$509,999
2026-07-02Listing removed$509,999
2026-06-17Price change$509,999
2026-05-16Listed for sale$515,000
2022-10-12Listing removed--
2022-08-17Listed for sale$424,900
2022-08-17Listing removed--
2022-07-28Price change$429,900
2022-06-18Listed for sale$434,900
2007-05-24Sold$247,000
2005-05-17Sold$329,900
2003-09-15Sold$145,000

For Sale by Agent

AgentTammy Stephens
BrokerageNext Generation Realty LLC

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