Listed at
$699,900
$140/sqft

Oakwater Ridge

10896 165th Avenue, Elk River, MN, 55330
6  Bedrooms5  Bathrooms5,017  Square Feet0.28  Acres
Days on market58
Year built2026
Garage spaces3
HOA / month$250
TypeResidential
Est. $17,997buyer 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.** Welcome to this stunning two-story home with a fully finished basement, beautifully situated on a corner lot! A spacious front porch invites you inside, where you'll find an open-concept layout enhanced by over-sized windows and gorgeous Luxury Vinyl Plank wood flooring throughout the main level. At the front of the home, a versatile flex room is perfect for formal dining, a home office, or a cozy sitting area. The gourmet kitchen is a chef’s dream, featuring a gas cooktop, built-in oven, gleaming quartz countertops, a stylish tile backsplash, a beautiful butler’s pantry, and an expansive walk-in pantry for all your storage needs. A beautiful sunroom off the dining room invites you in for extra seating area or hosting space. The inviting living room offers a warm fireplace and oversized windows that frame serene backyard views. Just off the garage entry, the large mudroom includes a custom built-in bench—ideal for daily organization. A main-level guest bedroom and full bathroom offer comfort and privacy for visitors. Upstairs, the luxury continues with a spacious loft and a serene owner’s suite showcasing a spa-like bath with a walk-in shower, soaking tub, and generous walk-in closet. You'll also find three additional bedrooms and a third full bathroom, providing plenty of room for everyone. The finished basement is a showstopper—featuring a huge sixth bedroom with walk-in closet, a fifth 3/4 bathroom, and a large family room. Enjoy the beautifully landscaped backyard—perfect for relaxing or entertaining as sod and sprinkler system included—move in and enjoy it all!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2026
LevelsTwo
Living area5,017 sqft
Above-grade finished3,544 sqft
Below-grade finished1,473 sqft
Lot size0.28 acres (81x132x85x147)
Days on market58
ListedAug 1, 2026
New constructionYes
MLS #NST7120090
CountySherburne
SubdivisionOakwater Ridge
Parcel #75009590326

Facts & features

Interior

Bedrooms
6
Bathrooms
5
Bath breakdown
4 full / 1 3/4
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Exhaust Fan, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven

Property

Levels / stories
Two
Garage
3 spaces · 30x23 · 700 sqft
Parking features
Attached Garage, Asphalt
Exterior features
Stone, Fiber Board, Vinyl
Lot size
0.28 acres
Lot dimensions
81x132x85x147

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Concrete Perimeter · 1,475 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
$250/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 1, 2026
Days on market
58
Manufactured home
Yes

Interior details

Total bathrooms5
Full baths4
3/4 baths1
Half baths0
1/4 baths0
BasementDaylight/Lookout Windows, Drain Tiled, Finished, Storage Space, Sump Pump
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces2
LaundryElectric Dryer Hookup, Sink, Upper Level, Washer Hookup
AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Exhaust Fan, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven
DiningInformal Dining Room, Separate/Formal Dining Room
AmenitiesKitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, In-Ground Sprinkler, Sun Room, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special features2nd Floor Laundry, 4 BR on One Level, Main Floor Bedroom, Primary Bdr Suite

Exterior & lot

ExteriorStone, Fiber Board, Vinyl
RoofAge 8 Years or Less
FoundationConcrete Perimeter
Foundation area1,475 sqft
Lot featuresCorner Lot
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt
Garage spaces3
Garage size700 sqft

Financial details

Annual taxes$0
Tax year2026
Taxes w/ assessments0
Assessment pendingNo
HOA fee$250
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District728 - Elk River
District number728
District phone7632413400
High schoolElk River
SODL flat fee brokerage
$17,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $17,997

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

$4,861/mo
Principal & interest$3,678
Property taxes (est.)$700
Home insurance (est.)$233
HOA fees$250
%
$139,980
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

10896 165th Avenue, Elk River, MN, 55330

Listing information

MLS #NST7120090
StatusActive
Last updatedSep 20, 2026, 7:14 PM
Originally listedAug 1, 2026, 3:09 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.