Listed at
$549,900
$156/sqft

OAKWATER RIDGE

10816 165th Avenue, Elk River, MN, 55330
5  Bedrooms4  Bathrooms3,527  Square Feet0.21  Acres
Days on market33
Year built2026
Garage spaces3
HOA / month$300
TypeResidential
Est. $13,497buyer credit when you buy with SODL
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About this home

**Ask about our 4.99% interest rate buy-down with preferred lender.** Step inside this thoughtfully designed home featuring an open-concept layout perfect for modern living. The spacious kitchen boasts a large island, walk-in pantry, and elegant stone countertops — ideal for both everyday meals and entertaining. The dining area and great room flow seamlessly together, while the front flex room, with stylish angled double doors, makes an excellent home office or creative space. A convenient half bath and a mudroom with an oversized walk-in closet complete the main level. Upstairs, you’ll find four generous bedrooms, including an owner’s suite with vaulted ceiling, a private bathroom, and HUGE walk-in closet. The upper level also offers a versatile loft area, perfect for a playroom or lounge, along with a full bath and a dedicated laundry room. The finished lookout basement provides even more living space with a large family room, an additional bedroom, and a full bath — perfect for guests or a growing household.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2026
LevelsTwo
Living area3,527 sqft
Above-grade finished2,607 sqft
Below-grade finished920 sqft
Lot size0.21 acres (81x131x58x130)
Days on market33
ListedAug 25, 2026
New constructionYes
MLS #NST7133146
CountySherburne
SubdivisionOAKWATER RIDGE
Parcel #75009590306

Facts & features

Interior

Bedrooms
5
Bathrooms
4
Bath breakdown
3 full / 1 half
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Microwave, Range, Refrigerator, Tankless Water Heater

Property

Levels / stories
Two
Garage
3 spaces · 31x21 · 672 sqft
Parking features
Attached Garage, Asphalt
Patio & porch
Front Porch
Exterior features
Stone, Fiber Board, Vinyl
Lot size
0.21 acres

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Concrete Perimeter · 2,645 sqft
Roof
Age 8 Years or Less
Builder
CAPSTONE HOMES INC
New construction
Yes

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
200+ Amp Service

Community & HOA

Subdivision
OAKWATER RIDGE
HOA
$300/annual
HOA name
Cities Management
HOA phone
6123818600
HOA includes
Maintenance Grounds, Sanitation
School district
728 - Elk River

Financial & listing details

Annual tax
$0 (2026)
Listed
Aug 25, 2026
Days on market
33
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths3
3/4 baths0
Half baths1
1/4 baths0
BasementCrawl Space, Daylight/Lookout Windows, Drain Tiled, Finished, Storage Space, Sump Pump
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces2
AppliancesAir-To-Air Exchanger, Dishwasher, Microwave, Range, Refrigerator, Tankless Water Heater
AmenitiesFrench Doors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Porch, In-Ground Sprinkler, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special features2nd Floor Laundry, 4 BR on One Level, Primary Bdr Suite

Exterior & lot

ExteriorStone, Fiber Board, Vinyl
RoofAge 8 Years or Less
FoundationConcrete Perimeter
Foundation area2,645 sqft
Patio/porchFront Porch
Lot featuresSod Included in Price
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt
Garage spaces3
Garage size672 sqft

Financial details

Annual taxes$0
Tax year2026
Taxes w/ assessments0
Assessment pendingNo
HOA fee$300
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District728 - Elk River
District number728
District phone7632413400
High schoolElk River
SODL flat fee brokerage
$13,497Estimated buyer credit
SODL platform fee $3,000Your buyer credit $13,497

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$3,923/mo
Principal & interest$2,890
Property taxes (est.)$550
Home insurance (est.)$183
HOA fees$300
%
$109,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

10816 165th Avenue, Elk River, MN, 55330

Listing information

MLS #NST7133146
StatusActive
Last updatedSep 23, 2026, 5:13 PM
Originally listedAug 26, 2026, 1:50 PM
Listing officeCapstone Realty, LLC

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.