Listed at
$409,000
$194/sqft

White Oak Estates

12224 278th Avenue, Zimmerman, MN, 55398
3  Bedrooms2  Bathrooms2,105  Square Feet2.5  Acres
Days on market19
Year built1992
Garage spaces3
TypeResidential
Est. $9,270buyer credit when you buy with SODL
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About this home

This beautiful and charming home is set on a private wooded 2.5 acre lot, only minutes from shopping, restaurants, and entertainment. It features a large 3 car garage with work bench, 220 amp service, and extra storage. The entry has a large walk in closet for coats and boots. The living room contains vaulted ceiling and several display places for home decor. There is a master suite with walk through bathroom and walk in closet. The second upper bedroom is very spacious, also with a walk in closet. The family room has a gas fireplace, surround sound, and walkout to a bright three season porch surrounded by windows. The septic was replace in June 2026, and also has newer windows, gutters, roof, furnace, A/?, water heater, exterior paint, and a tar driveway. There is a trail that leads to the back end of the property, which the sellers call "the back 40", where you will find a firepit, electrical service and water. This really is a lovely property. Move in ready, or bring your creativity for more equity. Come take a tour.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1992
LevelsSplit Entry (Bi-Level)
Living area2,105 sqft
Above-grade finished1,208 sqft
Below-grade finished897 sqft
Lot size2.5 acres (174x524x283x456)
Days on market19
ListedSep 8, 2026
MLS #NST7140475
CountySherburne
SubdivisionWhite Oak Estates
Parcel #01004290240

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
2 full
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Dishwasher, Dryer, Gas Water Heater, Range, Refrigerator, Washer

Property

Levels / stories
Split Entry (Bi-Level)
Garage
3 spaces · 32x22 · 704 sqft
Parking features
Attached Garage, Asphalt, Electric, Garage Door Opener, Storage
Patio & porch
Covered, Enclosed, Glass Enclosed, Porch
Exterior features
Cement Board
Fencing
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Concrete
Foundation
Block · 1,066 sqft
Roof
Age 8 Years or Less
Year built
1992

Utilities

Water
Drilled, Private, Well
Sewer
Private Sewer, Septic System Compliant - No, Tank with Drainage Field
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
White Oak Estates
HOA
No HOA
School district
477 - Princeton
High school district
Princeton

Financial & listing details

Annual tax
$2,954 (2026)
Listed
Sep 8, 2026
Days on market
19
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths2
3/4 baths0
Half baths0
1/4 baths0
BasementBlock, Finished, Full, Sump Pump, Walkout
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
LaundryIn Basement, Gas Dryer Hookup, Lower Level, Laundry Room, Washer Hookup
AppliancesDishwasher, Dryer, Gas Water Heater, Range, Refrigerator, Washer
DiningInformal Dining Room
AmenitiesCeiling Fan(s), Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Porch, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special featuresMain Floor Primary, Main Floor Bedroom, Primary Bdr Suite

Exterior & lot

ExteriorCement Board
RoofAge 8 Years or Less
FoundationBlock
Foundation area1,066 sqft
Patio/porchCovered, Enclosed, Glass Enclosed, Porch
Lot featuresTree Coverage - Heavy
Road frontageCity Street
ZoningResidential-Single Family

Utilities

Water sourceDrilled, Private, Well
SewerPrivate Sewer, Septic System Compliant - No, Tank with Drainage Field
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Electric, Garage Door Opener, Storage
Garage spaces3
Garage size704 sqft

Financial details

Annual taxes$2,954
Tax year2026
Taxes w/ assessments2954
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District477 - Princeton
District number477
District phone7633892422
High schoolPrinceton
SODL flat fee brokerage
$9,270Estimated buyer credit
SODL platform fee $3,000Your buyer credit $9,270

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

$2,532/mo
Principal & interest$2,149
Property taxes$246
Home insurance (est.)$136
%
$81,800
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

12224 278th Avenue, Zimmerman, MN, 55398

Listing information

MLS #NST7140475
StatusActive
Last updatedSep 22, 2026, 3:09 PM
Originally listedSep 10, 2026, 12:00 AM
Listing officeKeller Williams Classic Realty

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.