An absolute stunner on Ham Lake. This attractive home is well-appointed, meticulously maintained and sits on one of the best sand swimming beaches you will ever see. Spacious at 3600+ finished square feet with an ideal floor plan that feels intimate, yet it can comfortably accommodate a large gathering in total comfort. It features 4 bedrooms, 4 baths, 2 fireplaces, hardwood floors, main level laundry, tons of storage, fiber optic internet, screened and covered porches, lakeside deck, patio and so much more! The window arrangement is ideal, perfectly merging the indoor and outdoor spaces. A generous 26x40 garage has your storage needs covered. It is also EV and generator ready. Sits on 2.45 acres with south facing, panoramic lake views. The lot is level and the shoreline cannot be overstated. It is simply amazing! Bonus; Ham is a private lake with no public access. It is primarily limited to it's residents providing the ultimate freedom to enjoy without the busy buzz so common to other lakes. Also included is deeded access to Hay Lake. This is a walking easement with docking privileges. One home, two lakes. Incredible opportunity! Be sure to check out the video.
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Market trends in 56433, MN
Last updated October 2026
Buyer's Market
Seller's Market
Balanced market
Sale-to-list price
95.1%
2.7% MoM
Median sale price
$322K
$16K MoM
Avg. days on market
57d
23 days MoM
Recently sold homes
15
1 MoM
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Rental estimate
Est. $3,676 per month, based on comparable rentals
Sale and tax history for 28540 190th St
Sale History
Tax History
Date
Event
Price
NORTHSTARMLS as Distributed by MLS Grid #7082170
Sep 29, 2026
Sold
$599,000
Sep 16, 2026
Pending
—
Aug 13, 2026
Contingent
—
Jul 9, 2026
Price Changed
$599,900
May 28, 2026
Listed
$649,995
NORTHSTARMLS as Distributed by MLS Grid #5229594
Jun 21, 2019
Sold
$426,000
May 13, 2019
Listing Removed
—
May 12, 2019
Listed
$429,900
+2
1 home/2 lakes! This incredible property features 4 bedrooms, 4 baths, and 2 fireplaces with over 3600+ finished sq ft. It is neat, clean and loaded with all of the features you would expect in a showcase offering such as this. Absolute perfect sand swimming beach with southern/panoramic views on Ham Lake and a nature's approach with dock on Hay Lake. Best of both worlds!
Year
Property tax
Land + Additions
Assessment*
2026
$4,806 (+10.7%)
2025
$4,340 (−3.2%)
2024
$4,482 (+0.1%)
2023
$4,476 (+15.6%)
2022
$3,872 (+5.0%)
2021
$3,686 (+7.3%)
2020
$3,434 (−1.4%)
2019
$3,482 (+0.7%)
2018
$3,458 (+7.7%)
2017
$3,212 (−3.4%)
2015
$3,326 (+12.4%)
2014
$2,958
Public record
Beds
—
Baths
3.5
Stories
2
Lot width
100 ft.
Lot depth
—
Lot size
2.45 Acres
Year renovated
1998
Sq. Ft.
3,370
Year built
1998
Style
Single Family Residential
County
Hubbard County
APN
28.18.01100
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 31, 2026.
Property details
Parking
Parking Information
Parking Features: Garage Door Opener
Garage Spaces: 2
Garage Dimensions: 26 x 40
Garage Sq. Ft.: 1,040
Interior
Virtual Tour
Bedroom Information
# of Bedrooms: 4
Bathroom Information
# of Full Baths (Total): 3
# of Half Baths (Total): 1
Description: Full Primary,Full Basement,Main Floor 1/2 Bath,Upper Level Full Bath