139th Avenue NE

Andover | Minnesota

Island Kingdom

Your Domain

View Photos Watch Film 360° VTour Open House

Gina Ondrusik

Presented At

$1,875,000

Bedrooms

Bathrooms

Living

5,455

SQFT

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4725

139th Avenue NE

Andover | Minnesota

4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States. , Andover , Minnesota 55304

Premium Homesite in ELWELL FARMS

Discover ELWELL FARMS, a thoughtfully planned community spanning 515 acres and bordering the scenic Carlos Avery Wildlife Management Area. With 106 spacious acreage homesites, this stunning neighborhood blends natural surroundings with luxurious living. HANSON BUILDERS has 15 premium homesites available in Phase 1, many offering wooded landscapes and peaceful pond views.

The BRIDGEWATER SPORT will be showcased in the upcoming Spring 2026 Parade of Homes. This exceptional home highlights the impeccable craftsmanship and design Hanson Builders is known for.

The main level features soaring 10’ ceilings with rustic wood beam accents in the Great Room, while a 9.5’ center island anchors the gourmet kitchen, surrounded by custom cabinetry and a dinette area with built-in bench seating. A cozy sunroom invites relaxation with a floor-to-ceiling stone fireplace and wood beams, creating a warm and inviting retreat.

Upstairs, you’ll find a vaulted Bonus Room, four spacious bedrooms, and a luxurious Owner’s Suite complete with a spa-inspired bathroom and a convenient walk-through to the laundry room.

The finished lower level is designed for both entertainment and function, offering an indoor Sport Center, family room, wet bar and game area, plus a fifth bedroom. The home also features a heated four-car garage with floor drains.

Life at Elwell Farms includes access to a wide array of community amenities, such as a pool, clubhouse, playground with picnic pavilion, pickleball courts, a fishing pier, scenic trails, and more. Elwell Farms offers an unmatched lifestyle in a truly one of a kind setting.

Property

3D Street View Tour

Property Location

4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States., Andover Minnesota

Local Weather & Climate

Andover, Minnesota

Current Conditions Updated recently

19 °F

Scattered clouds

Feels Like 6°F

Humidity 50%

Wind 20 mph

Visibility 6.2 mi

Sunrise 12:23 PM

Sunset 12:19 AM

5-Day Forecast

Tue 17 Mar

Clouds

High 17°

Low 3°

Wed 18 Mar

Snow

High 35°

Low 16°

Thu 19 Mar

Clouds

High 39°

Low 33°

Fri 20 Mar

Clouds

High 41°

Low 35°

Sat 21 Mar

Clouds

High 70°

Low 37°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Andover?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

Down Payment

$100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

Potential Tax Benefits (United States)

$0 Est. First Year Interest Deduction

$0 Est. Annual Tax Savings

*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
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Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Tax Information Disclaimer

The tax benefit information displayed on this page is provided for general informational and educational purposes only. This information:

Does not constitute tax advice and should not be relied upon as such. Tax laws are complex and vary by jurisdiction, individual circumstances, and are subject to change without notice.
May not be current or accurate for your specific situation. Tax rules are updated frequently by governments, and the information shown may not reflect the most recent changes.
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Should not be used as the basis for any tax planning decisions or financial strategies without consulting a qualified tax professional licensed in your jurisdiction.

Before making any decisions based on potential tax benefits, you should consult with a qualified tax advisor, certified public accountant (CPA), or licensed tax professional who can evaluate your specific circumstances and provide advice tailored to your situation.

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$187,500,000

4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States.

Andover, Minnesota 55304

5 Beds

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Market Opinion

Ultra Luxury 405.3× median

View prices in:

Our perspective on current market conditions in Andover. For informational purposes only — always consult a licensed real estate professional before making decisions.

Neutral Market

Balanced conditions. Negotiate wisely.

Buyer Score

Local Market Price Trends

Median home sale prices in Andover, Minnesota — ZIP code 55304 over the last 24 months. This shows how property values in this neighborhood have changed over time, helping you understand whether the market is appreciating, stable, or cooling.

This property is listed at $187,500,000

Area median: $462,610

+2.3% year-over-year (below the 3.5% historical avg)

Market Competition

Future Value & Wealth Building

Starting investment: $1,875,000 20% down ($375,000)

30.7 years

Double Your Investment

Based on current market trends, your property value could double

$1,062,774

10-Year Equity

Your potential equity after 10 years of payments and appreciation

$9,980

Monthly Investment

Estimated monthly mortgage payment (principal & interest)

$3,691,293

30-Year Wealth Potential

Total equity after full mortgage payoff with market appreciation

2.8x

Leverage Power

Your $375,000 down payment could grow to $1,062,774 in equity (10 yrs)

Investment Perspective

$1 → $1.25

Every dollar invested today could become $1.25 in 10 years

$100 → 125 $1,000 → $1,253

$117/day

Your home may appreciate while you sleep

$823/week $3,568/mo $42,817/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$227K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential -13% advantage over stocks

-$1.0M

+$1.1M

$1.1M Potential Equity

vs $1.0M lost to rent over 10 years

$375K Down Payment Growth

2.8x

10yr

$1.1M

5.6x

20yr

$2.1M

9.8x

30yr

$3.7M

Wealth Comparison

×9

Equivalent to 9 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $3.7M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

30.7

years

Market-Based

2.28% effective/yr

16.9

years

Optimistic

4.2% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $2.2M +18%

Market $2.3M +25%

Optimistic $2.8M +51%

$1.1M est. equity

20 Years

Conservative $2.6M +39%

Market $2.9M +57%

Optimistic $4.3M +128%

$2.1M est. equity

30 Years

Conservative $3.1M +63%

Market $3.7M +97%

Optimistic $6.4M +243%

$3.7M est. equity

Historical Market Context

How current appreciation compares to long-term averages

National Long-Term Average

4.27 %

1967 – 2024

57 years of U.S. home price data

Recent Decade Average

6.5 %

2014 – 2024

Post-recovery bull market

Historical Norm

Current 3.1% appreciation is in line with historical norms. Conservative projections are well-grounded.

Projections account for historical market cycles (~12% corrections every 6 years). Effective annual growth after corrections: 2.3%. Market scenario reflects current 3.1% YoY trend from Zillow (Apr 2026). These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from U.S. Census Bureau, World Bank, Zillow, and Redfin | Market data updated Apr 2026

Neighborhood Demographics

ZIP 55304 • 2022 ACS Data

49,175 Population

Median Age: 40.0

$120,854 Median Income

High

$380,100 Median Home Value

Rent: $1,585

36.6% College Graduates

Above Average

Housing

Homeowners 92.2%

Renters 5.7%

Vacancy Rate 2.1%

Employment

2.5% Unemployment

15.3% Work From Home

Education Attainment (Age 25+)

High School+ 95.8%

Bachelor's+ 36.6%

Graduate+ 10.7%

Data from U.S. Census Bureau American Community Survey 2022

Local Market Trends

Real estate market data for Andover

Balanced Market Balanced market conditions

$462,610

Median Sale Price

$2,671/mo

Avg Rent

Data provided by RentCast

Frequently Asked Questions

Common questions about this property

How many bedrooms and bathrooms does 4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States have?

This house at 4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States features 5 bedrooms with 5,455 square feet of living space.

What is the size of 4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States?

This property offers 5,455 square feet of living space.

What is the listing price for 4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States?

This property is listed at $187,500,000, which equals $34372 per square foot.

What are the current real estate market conditions in Andover?

In Andover, home prices have increased 2.3% over the past year, it's currently a unknown. These market conditions can affect pricing strategies and negotiation opportunities.

Is now a good time to buy a home in Andover?

Based on current market indicators, Andover shows an active market. The market opportunity score is 50 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What type of property is 4725 139th Avenue NE, Ham Lake, MN, 55304, USA, Andover, Minnesota, United States?

This is a house located in Andover, Minnesota. The property is situated in an established neighborhood with convenient access to local amenities and services.

Brokerage: