Sold / Closed
$625,000

Sold price · Closed May 14, 2026

$194/sqft

Eagle Ridge Estate

16238 Urbank Street NE, Ham Lake, MN, 55304
6  Bedrooms3  Bathrooms3,220  Square Feet0.87  Acres
Days on market21
Year built1998
Garage spaces8
TypeResidential
Est. $15,747buyer credit when you buy with SODL

About this home

Tucked away on a quiet cul-de-sac, this custom-built home sits on nearly an acre of land that gives you room to breathe. What makes it truly one-of-a-kind is the way it’s laid out—like two single-level homes stacked on top of each other, complete with double kitchens, double laundry rooms, and a whopping eight stalls of attached garage space. If that’s still not enough room for all the toys and projects, there’s a handy storage shed out back too. Inside, you’ll find three bedrooms on each level, including a private primary suite on the main floor that feels like its own peaceful retreat. It’s set up perfectly for multi-generational living, where everyone can have their own space without feeling on top of each other—or it could make for a fantastic rental setup with real income potential. The original owners built this place with care and have kept it in great shape over the years. You can tell the moment you walk in: solid construction, thoughtful details, and that unmistakable feeling of quality. Outside, there’s plenty of yard to enjoy, and you have to check out the awesome bonfire spot hidden next to the deck—it’s the kind of spot that turns evenings into memories. Homes like this don’t come along often. If you’re looking for something different with plenty of space inside and out, this one is worth a closer look!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1998
LevelsOne
Living area3,220 sqft
Above-grade finished1,738 sqft
Below-grade finished1,482 sqft
Lot size0.87 acres (irregular)
Days on market21
ListedMar 25, 2026
MLS #NST7041678
CountyAnoka
SubdivisionEagle Ridge Estate
Parcel #163223140007

Facts & features

Interior

Bedrooms
6
Bathrooms
3
Bath breakdown
3 full
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
8 spaces · 43x24 · 2,200 sqft
Parking features
Attached Garage, Gravel, Concrete, Garage Door Opener, Insulated Garage, Multiple Garages, Tuckunder Garage
Patio & porch
Deck, Front Porch, Patio, Porch
Exterior features
Vinyl
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block
Foundation
Block · 1,758 sqft
Year built
1998

Utilities

Water
Private, Well
Sewer
Private Sewer
Fuel
Natural Gas

Community & HOA

Subdivision
Eagle Ridge Estate
HOA
No HOA
School district
11 - Anoka-Hennepin
High school district
Anoka-Hennepin

Financial & listing details

Annual tax
$4,691 (2025)
Listed
Mar 25, 2026
Days on market
21
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths3
3/4 baths0
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Walkout
HeatingForced Air
CoolingCentral Air
LaundryIn Basement, Lower Level, Laundry Room, Main Level, Sink
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningEat In Kitchen, Informal Dining Room, Kitchen/Dining Room
AmenitiesDeck, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Porch, Walk-In Closet
AccessibilityNone
Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorVinyl
FoundationBlock
Foundation area1,758 sqft
Patio/porchDeck, Front Porch, Patio, Porch
Lot featuresIrregular Lot
Road frontageCul De Sac
ZoningResidential-Single Family

Utilities

Water sourcePrivate, Well
SewerPrivate Sewer
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Gravel, Concrete, Garage Door Opener, Insulated Garage, Multiple Garages, Tuckunder Garage
Garage spaces8
Garage size2,200 sqft

Financial details

Annual taxes$4,691
Tax year2025
Taxes w/ assessments4691
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District11 - Anoka-Hennepin
District number11
District phone7635061000
High schoolAnoka-Hennepin
SODL flat fee brokerage
$15,747Estimated buyer credit
SODL platform fee $3,000Your buyer credit $15,747

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

$3,883/mo
Principal & interest$3,284
Property taxes$391
Home insurance (est.)$208
%
$124,980
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

16238 Urbank Street NE, Ham Lake, MN, 55304

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Listing information

MLS #NST7041678
StatusClosed
Last updatedMay 19, 2026, 2:42 AM
Originally listedApr 3, 2026, 12:00 AM
Listing officeFreeman Real Estate
Co-listing officeFreeman Real Estate

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.