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Minnesota is Progessive!

I’m going to touch the third rail and discuss politics. Brace yourselves. I think it’s like ignoring the elephant in the room to not talk about this when discussing why people move to, or away from, MN so I’m going to give you an overview of recent laws and public policy moves here that will attract some people to the state and undoubtedly repel others. 

What made me decide to write this:

I recently saw TWO reddit threads – one for Minneapolis and one for Minnesota and BOTH were posts asking about moving to Minnesota or the Twin Cities because of the political climate where the people that posted live at the moment (in this case Tennessee and Arkansas) making them feel unsafe or not accepted.

This struck a chord with me because I regularly help people move to Minnesota from the south (nearly everything is south of Minnesota) and I know that people move for all sorts of reasons – jobs (we have a GREAT economy here), the environment (we are on the globe so we do have our share of problems associated with Global warming, but they generally don’t include water shortages or wild fires). 

***If YOU want to move to MN, I have a free relocation guide that you can download HERE. I encourage you to reach out with questions or check out my YouTube channel where I do videos of different areas etc. ***

Also (this will shock some of you!) but many people enjoy winter and snow sports and a lot of people love having 4 distinct seasons even though spring lasts about 2 weeks and also like a very outdoorsy lifestyle.  We also enjoy having working power grids in all sorts of weather (sorry Texas, and apparently California as some have said in response to my video). 

I had to laugh because a lot of people were quite enraged at this idea – stating that the fastest growing states are Texas and Florida. Guess what? BOTH  THINGS CAN BE TRUE AT THE SAME TIME. People move here and people also move away from here. 

The news is filled with one story after another about other states regulating things that we have taken for granted and pouring fuel on the fire of social issues. Some states have taken actions in one direction and MN has decidedly gone on the opposite path for many of these issues

Is every Minnesotan a Democrat?

MN has a reputation as a progressive state, and MN typically goes for the Democrat in the presidential election, but we often have Republican governors OR one of our state houses controlled by the Republican party, so the idea that EVERYONE here is a liberal is very much incorrect. However, our Governor now has a one member majority in the MN Senate now and that means that a lot of DFL (Democrat / Farmer / Labor) party priorities are getting codified.  Minnesota also has a reputation as a very homogenous state compared to others however, the new crop of lawmakers brought a series of firsts at the Capitol: including the first time both chambers are set to be led by women, the first person of color elected president of the Senate, the largest group of people of color to serve in the Legislature (35 of 201), 11 lawmakers who identify as LGBTQ and a record number of female lawmakers. 

Women’s Health Policies

With the Supreme Court overturning Roe V Wade, MN has taken an extra step in reaffirming their commitment to protecting women’s healthcare choices. The right to abortion has been reviewed by the MN State Supreme Court and found to be constitutional, in addition to this the PRO Act was passed in early 2023 to make sure that the right to reproductive health care is protected. The bill goes a step further than current law in protecting access to birth control, sterilization and family planning help. It would prohibit local governments from imposing additional restrictions on reproductive health care.

In addition, The Minnesota House recently passed a bill that would shield women who travel to the state for abortions, as well as their nurses and doctors. It still needs approval from the state Senate and the signature of Gov. Tim Walz to become law. The bill prohibits Minnesota judges from issuing warrants and law enforcement from making arrests of people charged with crimes in other state’s for accessing reproductive health care in Minnesota. The governor may not extradite a person charged with a crime involving reproductive health care, either.

LGBTQIA rights: 

Same sex marriage is codified into law not just at the federal level, but also at the state level here in MN. In addition, Gov. Tim Walz signed an executive order protecting the rights of LGBTQ people from Minnesota and other states to receive gender affirming health care, as he slammed the tide of other states rolling back transgender rights.

lgbt flag
Photo by Alexander Grey on Pexels.com

“We want every Minnesotan to grow up feeling safe, valued, protected, celebrated, and free to exist as their authentic versions of themselves,” Walz said. “Protecting and supporting access to gender affirming health care is essential to being a welcoming and supportive state.”  A separate bill banning so-called conversion therapy for LGBTQ children and vulnerable adults won approval in the Minnesota House last month and is awaiting a floor vote in the Senate and the MN house just passed a “Trans Refuge” bill which will move on to the Senate and the Governor. “The law would make it so that people who live in states who have banned or restricted gender-affirming care can come to Minnesota to access that care and be protected from the laws that govern their home states,” bill sponsor Finke said. 

Education / budget surplus

Minnesota has a budget surplus of $17.8 BILLION dollars. The governor put forward their budget months ahead of schedule and details still need to be refined, but his budget proposal would fund increases to schools, housing initiatives and tax relief. 

They propose $3 billion more toward pre-K through 12 public schools and college aid, as well as another $1 billion for housing initiatives. 

They have earmarked $3 billion for tax cuts that they said could include direct rebate checks, tax credits, property tax relief and increases to local government aid. The targets also include nearly $670 million to launch a paid family and medical leave program, which would be fueled by a new payroll tax once it is off the ground. 

girl in white sleeveless shirt glass tumbler
Photo by Yan Krukau on Pexels.com

 Within the last week the governor signed a law guaranteeing Free breakfast & lunch for all children in the state of MN in pk-12.

Climate: 

alternative energy blade blue clouds
Photo by Pixabay on Pexels.com

Minnesota Democrats successfully passed a bill for a carbon-free electric grid by 2040, directing a speedy energy transition in at least one sector of the state’s economy. 

Cannabis: 

shallow focus photography of cannabis plant
Photo by Michael Fischer on Pexels.com

THC Gummies are currently legal and we are seeing THC laced beers and seltzers as well.

There is a proposed legalized recreational marijuana, supported by the governor who also references millions of dollars in tax revenues from the legalization of recreational marijuana.

Medical marijuana is currently legal in Minnesota.

Anti-discrimmination

The Crown Act was passed and signed into law and provides further racial protections under the MN Human Rights Act by prohibiting discrimination based on natural hair or braids.

portrait of woman wearing headband
Photo by TUBARONES PHOTOGRAPHY on Pexels.com

Minnesota is a welcoming state. Not everyone has the same opinions on every issue, not everyone agrees with the policies that the governor and the legislature are working on now, but Minnesota does seek to distinguish itself from its neighbors. We are surrounded by states with the opposite philosophy about the role of government in people’s lives, and there needs to be room for everyone. If you’re thinking about making a move, let me know how I can help. I have helped a lot of people relocate from out of state, I am certain that some would be willing to have a conversation about their personal experiences with moving here.

Neighborhood Tours

Highland Park Neighborhood St. Paul

I suffer from nostalgia and I’m a sucker for charming old homes and neighborhoods that remind me of movie sets. And that’s why I feel squishy inside when I spend time in Highland Park in St. Paul.  It’s a condition, don’t mock me!  

Types of homes

The Highland Park neighborhood of St Paul is right next to the MacGroveland neighborhood and shares so many of the same characteristics.  The homes are here older and filled with all of that original charm. St. Paul was settled before Minneapolis and the housing stock there reflects it in many areas.

Many of the homes were built in the early 1900’s and often have original hard wood floors, beautiful wide wood moldings, built-ins, plaster walls, detached garages and other features of homes built at that time. Another feature that I love on old homes that you’ll often see here are porches where you can sit and enjoy the gorgeous weather that we have here spring through fall. I think porches and sidewalks encourage a sense of community and give opportunities to see and talk to neighbors. 

As you enter the neighborhood from the west on Ford Parkway you’ll notice a large construction site which is a planned community / new construction development, so if you want the city lifestyle and access but AREN’T interested in old homes, this can be a great option for you. It’s called Highland Bridge and its a couple of different developments including row homes and a senior living development, community park, shops and restaurants. This won’t be where you find a bargain –  row homes are at the upper end of the pricing for this part of St. Paul at $1.5M+, there are also custom single family homes being built with lot prices starting at around $500K.

Amenities

One of the things I like about city living is the access to sidewalks and bike lanes as well as the ability to get to restaurants parks and shops relatively easily, on foot, on bike, or in a vehicle. Highland Park is home to all of these things, it has a robust commercial area so you won’t need to go far to grab a bite or do some shopping and recreation is convenient as well, it has a golf course, and  easy access to the massive park system along the Mississippi River with all of the bike trails that run throughout (72 miles along the Mississippi rover alone!) and connect to so many local and regional trails in the Minneapolis St Paul region. 


Another stand out to me was the local library branch and the Highland Park Rec Center which offers Highland Park Community Center offers educational programs, after school activities, open gymtot-times, family events, fitness center memberships, youth and adult athleticsS’more Fun childcare, Highland Park Community Center Theatre, field rentalsrental space for parties, meetings, and events, and so much more.

Home prices

The average home price in Highland Park for the typical house is a little more than $441K, its charming neighbor, MacGroveland is just a little bit more from an average home price perspective. 

Access

This neighborhood also has easy access to both Minneapolis and St. Paul for work – as well as the freeways that lead to the South, SW and SE suburbs, or anywhere that you want to go within the metro area. Typically if you work on one side of the river you try to live on that side for easy commuting, but I think Highland Park benefits from a great central location from a commuting perspective.  Light rail is also within 1 mile of the neighborhood and there is a bus system in St. Paul.

It seems like one of the big benefits of the suburbs would be easy access to stores like Target, and Highland Park actually has an adorable little Target in their main commercial area off of Ford Parkway & Cleveland. 

Shopping

Groceries are within easy reach at the Target, Lunds and Byerlys or a short drive to Kowalskis. 

Schools

Children living in this area will attend St. Paul public schools Horace Mann Elementary, Highland Park Middle School, and Highland Park Senior High.

Whether you like historic homes with that old fashioned charm or you’re looking for new construction urban townhomes, this neighborhood has both, along with all the things that people choose city living for. 

Home Buying · home selling · market updates

Minneapolis Real Estate Market Update Feb 2022

A month goes by in a hurry it seems, so here we are! Did a month make a difference with the real estate market? YES. It is notably busier!

Click here to watch. 🙂

I don’t think I’m telling you anything you don’t already know, but the real estate market is on fire.  Someone hit the gas pedal on the housing market in February and they have a lead foot. What does this mean specifically?  Let’s look at the twin cities housing market as of Feb 18 2022.  

signages for real property selling
Photo by RODNAE Productions on Pexels.com

If you are a seller – LIST NOW and you’ll be partying all the way to the bank. 

Just about every listing is getting multiple offers in the first couple of days. The supply of buyers is so great and the supply of homes is so low right now – 15% fewer listings on the market than last year at this point! 

Why are sellers hesitating? I assume that it’s because they are worried about finding THEIR next home.  As an agent that represents a lot of buyers, I can tell you that sellers can not only command great prices for their homes they can still get a closing date that suits their needs. For example, if a seller is considering putting their home on the market, but are worried it will be gone in a blink, there is a great likelihood that the seller can ask for and receive a 60 close, flexible closing, or recently I’ve seen them asking for a seller’s home purchase contingency or lastly a rent back situation after closing remembering that most conventional loans require the transaction to close in 60 days on the buy side so no long term rentals this way! but this way the seller will have cash in hand and be able to buy while also have a roof over their heads while they wait for their next home to be available.  

One of the things that I really like about real estate is that EVERYTHING is negotiable – as long as the parties work it out (within the law!) and get it in a signed contract, the parties can work together to find a solution that works for everyone. Do you have a creative way to structure a contract that lets everyone get what they need?  Bring it up and there may be a way to make it work out!

This past week we had offer acceptance rates at 15%, which means that sellers are receiving 6-7 offers on average. But the average for the month is hovering around 35% according to Home Free Transaction Coordinators. I’ll give you more info on what they see in a successful offer after I take you through current market conditions. 

Absorption rate

It’s a seller’s market, but to what degree? In the past I’ve explained that the way that we determine this is based on the absorption rate or how many months worth of housing inventory we have at a given time if nothing new were added to the market.  5-6 months is considered balanced, more than that is a buyer’s market and less is a seller’s market. Obviously the more extreme the number the more it favors one or the other. That obviously varies by housing type.  

Single family homes have a .56 months (about 17 days) supply now as compared to one year ago when they were at .62 (about 19 days).  We have started this year off with available inventory down by 21% year over year. New listings this month are down by 15% from last year.  

I was looking for a bright spot and looked at new construction. Builders are responding to the need for houses and have started increasing their production too.

This image shows the big dip and now the increase starting in single family new builds between $400 & $600K. Its not dramatic, but any amount helps – if you have 50 more houses that’s 50 buyers that have found something.

If you have been thinking about selling and are curious about what your home is worth today, let me know. I’ll give you a free estimate of what your home is worth today – absolutely no obligation, just for your information if you want to know – just send me an email. We need homes and now is definitely the time to get the maximum amount of money out of your sale! mschumann@kw.com if you’re curious. I’m happy to do it.

Townhouse/ Condo properties are at .97 months (29 days) vs 1.13 a year ago (34 days). Prices on Townhouses are at a median of $267,000 which is UP 12.2%.  Average days on market for a townhouse is down 26% to 14. 

Condo prices are at a median of $195,000 up 6.6% from last year and are on the market for about 30 days. If you are a first time buyer or someone that likes condo living, this is the softest spot in the market today and your biggest opportunity. 

Single family homes in the 14 county metro area have a median price of $370,000, a gain of 12.1% year over year. They are on the market for NINE DAYS. Only about half of what we saw a year ago. And don’t fool yourself thinking you have 9 days to think about it, this is a listing going live on a Thursday, showing through the weekend, closing offers on Sunday and allowing a 5 day inspection period before heading to pending. 

The combined absorption rate (all property types) is at .67 months or 20 days of inventory as opposed to one year ago when we had a whopping .75 months or 22 days of inventory. 

What can you do if you’re a buyer?  

Here are my suggestions and strategies:

1.my office posts properties to agents internally that are off market and that sellers are willing to part with before going onto the MLS, so having that network available helps a lot!  

2. make sure you see what is available in “coming soon” and get in there quickly 

3. even better if you have the nerve-  offer “sight unseen” while in this status. if the seller will do it, you can usually negotiate an inspection this way and if there is something wrong with the property get out of the contract without losing your earnest money, this does require a good offer out the gate. It’s not a way to get a bargain, but is a way to quit losing in multiples.

4. make your offer more appealing are to offer appraisal gap coverage. This means that if you are financing you are stating that you have the ability to make a larger downpayment in order to cover the gap between your offer and what the bank is willing to loan you, having cash is a very important piece of the puzzle in this environment.  You can offer any amount of appraisal gap coverage – it doesn’t have to be 100% of the difference!

5 Look at “wallflowers” these are properties that have been on the market for longer than 4 days. This means they have made it through a weekend without getting an offer and may be more willing to negotiate or look at a reasonable but not extreme offer. These can be homes that a buyer got cold feet on, that their financing fell through or other scenarios. 

6. Don’t ignore properties that need work!  You can get a home loan that rolls a remodel into it. Not everyone can look past a dirty unfinished basement but it’s rarely a bad investment to add finished square footage to a house – especially in an in demand neighborhood. 

7. Do you have time? Offer on new construction. You eliminate multiple offers and choose your finishes.  Just be aware that contracts allow builders to cancel your contract if the price of materials goes up and you can’t cover the increase. Don’t get yourself in too deep. 

8. There aren’t a ton of these available but spec houses are a good option. They may be completed new builds OR they may be nearly completed with an estimated move in date already.  

9. my last option coming to mind to look at loans that allow you to offer as if you’re offering CASH – without a financing contingency. This seems like a HUH??! moment, but in my video next week I’ll interview a lender with a program like this that may give you a leg up and I’ll post it here, of course!

Accepted offers

OK – lets look at what’s been going on with offers per HFTC: 

Buyers are waiving inspection 46% of the time, this is a lot, but that also means that 54% of the time they are getting an inspection

Off market sales are at 12% – this is the “private listing network” that I mentioned where agents that have upcoming listings market them internally first.

Sales Contingent on the sale of the buyer’s home is down to 5% of the time. 

Average sale to list price is 103.2%. I don’t know where these are happening because my buyers have been offering at 15% over and losing… We would be happy with 103%!

Cash is at 17% of offers, Conventional at 69%, FHA has ticked up to 5%, VA is at 0. 

Hey! I would love to hear from you in a comment or an email or a smoke signal … reach out if you have questions! 

Neighborhood Tours

Hopkins MN

Want that small town, walkable feel without a major commute? Think about Hopkins! 


If you like a small town feel, with easy access to all of the things that the city has to offer – as well as access to the joys of the more rural areas outside of the immediate metro, Hopkins may be for you!  

Hopkins MN seems to fly under the radar –  it has a tendency to be overlooked, it’s a bit of a small town tucked into a 4 square mile pocket surrounded by the larger, more well known suburbs of Minnetonka, St. Louis Park and Edina.  Hopkins sits just west of Minneapolis, it’s a small suburb with only about 18,000 people and it’s part of in Hennepin County MN.

A little bit of Hopkins history – By the 1920s, growing raspberries had become a big business for Hopkins area farmers. It is estimated that at one time the Hopkins area had over 800 acres planted in raspberries! Most were used for fresh market consumption.  It became known as the “Raspberry Capital of the World.”  Hopkins still celebrates this although now it’s is far from being a farming community – the street signs have a raspberry logo on them and they still hold a festival every year. 

I have done a LOT of videos highlighting different suburbs in the twin cities metro – some of them are circled here, but you should check out my neighborhoods and suburbs playlist on YouTube for more. 

Hopkins
Commute times and other profiled suburbs


Commute times are easy by car – it is only 3 miles to the border of Minneapolis as it is, but driving to downtown takes approximately 20 minutes via 394, or about 24 minutes to MSP airport via 494. 


One of the main things I love about Hopkins is the adorable downtown area.  It still has a historic feel, it’s a walkable city with sidewalks in the city center as well as throughout the neighborhoods which have a lot of pretty, older homes in neighborhoods branching out from the main street area. Main street is lined with shops and restaurants, the local library, post office and city hall are in the town center, as well as the Hopkins Center for the Arts. 


Hopkins has a nice mix of housing – including single family homes, and newer condos that are close to downtown and transportation. Speaking of transportation – Hopkins Station is right on what will be the newly expanded light rail line. Lots of construction around that and the southern portion of the Cedar Lake Trail which runs along side it right now, but once this is completed it should be a real asset to people that live in Hopkins and want to get downtown to to the airport without driving. 


All this charm and convenience and it comes at an affordable price compared to many suburbs in the Twin cities metro area as a whole.  Currently (july 2021) Hopkins Median price for a single family home is $353,100 which is just slightly higher than that of the twin cities as a whole. Property tax in Hopkins is a little higher than in some of the other ‘burbs that I have profiled. The effective tax rate is 1.41%

SFH Median Price
Median price for Condos in Hopkins
current month’s supply of homes (July 2021) – Seller’s Market

While there is a market in the city of Hopkins it isn’t a giant SUPER market – so if you want to do a bigger shop or have a preference for one of the larger chain super markets like Lunds and Byerlys or Cub, or if you want to get to a whole foods, you’ll have to do it outside of the city of Hopkins – but the surrounding suburbs are very close and you probably won’t be inconvenienced much at all to drive to a neighboring town for groceries. 

low angle photography of brown wooden dock at golden house
Photo by Heiner on Pexels.com


It’s not just groceries that require a trip to a neighboring town – Because of it’s small size and easy proximity to it’s neighbors, Hopkins residents share a lot of the amenities offered by the nearby suburbs. 


For example, residents of Hopkins use and get resident discounts at Shady Oak Beach and park in Minnetonka.  I stopped over there and I was so impressed – it looks like a great place to spend the day playing in the water (they have an inflatable obstacle course that looks like SO much fun!) and if you have little kids there is a playground and areas geared that way as well.  In addition to the beach and lake there is a really nice outdoor dining area so you can come and have fun and pack a picnic or order food at the concession stand and stay all day,  You can pay by the day or buy a season pass. 


Other nearby parks include Lone Lake Park which has tennis & pickle ball courts, a playground, sports fields, picnic area, basketball courts and trails.  It is also a part of Minnetonka. 

road nature man summer
Photo by Pack2Ride on Pexels.com


Hopkins has several regional trails running through it, so if you enjoy biking, roller blading or walking you’re in luck.  There are 4 rail trail connections in Hopkins including the 2 branches of the Cedar Lake Trail, the Lake Minnetonka regional trail (just did an out an back bike ride on this one a couple of weeks ago – 30 relatively flat miles past some gorgeous lake views and through some of the most affluent areas of the Twin Cities Metro) and lastly the Minnesota Bluffs Trail an approximately 10 mile section of aggregate trail that runs south of Lake Minnetonka out to Chanhassen and Chaska.

If you live in Bloomington or just want to bike the south section of the metro you can get on the 9 mile creek regional trail which is both segregated bike trail and some lanes on streets, but it connects from Bloomington (and possibly further east) through Richfield, Edina, Minnetonka and up to Hopkins.  I have ridden this one before as well and there are points that I found less than well marked so it’s good to have your phone with you for GPS. The official tally on this one is about 14.6 miles each way, but if you get lost and wander you can really up your mileage. Good times when you’re tired … not. 


Hopkins schools are ranked highly on Niche.com with an A+ rating, but as I always mention, make sure you do your own homework and meet with the administrators and make sure that the schools are right for YOUR child. Everyone is different. 

Even though Hopkins is smaller, the district boundaries kind of weave their their way through several of the neighboring suburbs and there are some kids that live in pockets of Plymouth, Edina, Eden Prairie, St. Louis Park, and Minnetonka that may attend Hopkins schools. I also did a video on open enrollment in schools in MN, it’s kind of a nice thing to have if you want to send your kid out of district to another school.  Not guaranteed, but an option! 

This post would not be complete if I didn’t let you know where you can get your eye candy – aka books!

Hopkins has a great library and it is right downtown where you can easily bike or walk to it.  It is a part of the Hennepin County Library system, and is one of the 41 branches. If you want a book, they can get it for you!  Hennepin county library has a really impressive budget for books – Ive been looking for the actual number but I can’t find it today! I just remember my jaw hitting the floor followed by green with envy feelings and then realizing that I can read any of those books! The HCL system has recently done completely away with fines too! YAY!! 

photo from hennepin county library


Alright – chickens. I always need to end with chickens and fences.

Chickens are recently permitted in Hopkins – as of August 2020. And fences are allowed – heights vary by where the fence is placed – typically 4′ in front, 6 in back. 

Final recommendation: the Hopkins web site is a very nice source of information for just about any question you can think of regarding the day to day details of living in Hopkins.

If Hopkins is in the running for you I strongly recommend check it out!

Neighborhood Tours

New Hope!

Another surprising community! Today I’ll show you around New Hope MN and give you all the reasons you may want to consider living there.


Lately I’ve been working with several first time buyers, and if you remember buying your first home you probably didn’t have a massive pile of money for a down payment as many people who may have equity from a sale do, so you have to look for a starter house in a more affordable neighborhood. 

That’s where New Hope comes in!  A quick look at what is on the market right now illustrates my point – there are 30 active homes in New Hope ranging from a 1 bed 1 bath condo for $115,000 to only a few homes in the mid-upper $500’s with MOST homes being single family homes in the upper $200,000’s to mid $300,000’s.  The MEDIAN price in New Hope is at $309,000 whereas the Twin Cities Median is at $380,000. 

 
If you’re an investor and want to rent out a residential property you must register the property with the city. 


In addition to single family homes and people just starting out in life, New Hope makes senior living a priority as well. They have 3 long term care facilities, some assisted living complexes and senior citizen apartment homes. 

elderly couple holding bouquet of flowers while holding hands
Photo by RODNAE Productions on Pexels.com


Let’s talk Property taxes… New Hope is in Hennepin County, the effective property tax rate in New Hope is 1.35%.  Hennepin County’s portion is 1.28%, the effective tax rate for the state of MN is 1.08%. Sales taxes since I looked this up as well – MN has a sales tax rate of 6.88% on everything except  (I believe!) food, prescriptions and clothing, and the sales tax rate in New Hope is 7.13%. 

tax return form and notebooks on the table
Photo by Nataliya Vaitkevich on Pexels.com


The beauty of New Hope is not only the affordable home prices, but that New Hope is actually a really lovely community and it has a lot to offer.  


New Hope is an easy commute to downtown or the airport. It’s only about 20 minutes by car to downtown.  and Because I’m such a fan of our regional parks I also want to point out how close New Hope is to the beautiful Theodore Wirth Park. I touched on this park in my Golden Valley video (which you can watch next!) but Theodore Wirth really has it all. It’s just gorgeous, and can keep you busy outside no matter what season we’re in. 


If you are leaving town or going to fetch a visitor, it’s about 26 minutes to MSP airport and while you’re down there you can stop by the Mall of America and get your shopping done or amuse the kids on the roller coasters.  I was a major skeptic because I am not really a “mall person”, but I like “The Mall”!  It has so many great stores that you don’t see everywhere else, some nice food options and my kid and I had fun doing some of the rides the first time we stopped in.  Being close to it is nice because it can just be something you do for an hour or two and you don’t have to feel like you need to spend all day there since you can go back any time.  The Ikea is right next to the mall as well, so if you like. Swedish Meatballs and cryptic assembly instructions for affordable furniture that utilize allen wrenches  – you’ll be in heaven!


New Hope does NOT have it’s own school district, all schools in New Hope are part of the Robbinsdale Schools aka ISD 281.  It’s a pretty big district with 10 k-5 elementary schools, 2 middle and 2 high schools. I always recommend that you do your research and see if the school district that your home is in is one that you will be happy with. You can check out Niche.com or GreatSchools, but another option is to actually VISIT the schools and talk to the administration and see things for yourself.  


Speaking of brain food… New Hope residents have convenient use of 3 branches of the Hennepin County Library system.  They can easily access Brookdale Library in Brooklyn Center, Golden Valley’s adorable little library, or the Rockford Library in Crystal. 
One of my favorite topics when giving community profiles is the park systems. I just think green space improves the quality of life for everyone.  New Hope agrees! They are a small city (only about 21,000 residents) but they have 18 city parks and several other venues offering all kinds of recreational activities including: 

  • the new Hope aquatic center which is a community pool and water slide
  • 2 off leash dog parksa 9 hole public golf course
  • disc golf course
  • ball fields 
  • a skate park 
  • tennis / pickleball courts
  • Community gyms with basketball courts that can be rented out for the day
  • and 3 outdoor skating rinks that are open in season. 
sunflowers on rack with price tag near orange canopy tent
Photo by Daria Shevtsova on Pexels.com


The city hosts a Farmers Market on Saturdays from the middle of June through the middle of October at City Hall. 


Lastly – Pets & fencing. Everyone’s favorite topics!

winking black and brown puppy
Photo by Dominika Roseclay on Pexels.com


New Hope allows for a LOT of pets – 3 dogs, 3 cats and 3 “other” household pets, as well as 3 “fowl”, This is not restricted to actual chickens – if you want ducks instead – go crazy!
All dogs, cats and ferrets need to be licensed and vaccinated for rabies. 


Fencing – IS ALLOWED! 🙂 


OK – that is ALL I HAVE on New Hope! It’s a lovely community that I feel lucky to have worked in lately. It offers a lot of great options to people that may be priced out of other areas of the city. It’s 100% worth considering if you’re wondering where to live in the twin cities metro. 
If you like this kind of content – I have an entire playlist of neighborhoods/suburbs on my YouTube Channel that you can look at to see what feels right for you.


Thanks for stopping by!

market updates

Twin Cities housing market update – June & a bit o’ July 2021

Is the feeding frenzy OVER?!? Not quite, but it seems to be a LOT better? Of course that is relative! and in this case I mean relative to the crazy times we were in in March – May!

In this video and blog post I’m giving you the current conditions of the market for the 7 county Twin Cities area broken down by property type and then I’ll go into a bit about what we see as far as what terms are resulting in accepted offers right now. These are the encouraging signs I’ve been looking for!

This year has definitely been one for the books! It has been the strongest sellers market that anyone I know can remember – and this is AMAZING if you have a home to SELL! Prices are higher than ever and you can dictate the terms for the MOST part – HOWEVER! Buyers! Do not despair!  Things ARE getting easier for you now (at least compared to a couple of months ago when it was an all out SCRUM!)

A note about these graphs – I chose to make them show monthly ups and downs without the smoothing effect that softens the seasonal aspects, so keep that in mind as you look at the dips and heights. the market changes constantly, and this shows those changes month to month.

The median SFH price in the Twin Cities sits at $380,000 – that is UP from $326,100 at the beginning of this year.

Median Price TC Metro Single family Homes


You’ll often hear me talk about the “absorption rate” or the # of months supply of housing available to be sold if no other homes were to go on the market. For context it is considered a BALANCED market if there is 5-6 months of supply.  We have been UNDER 1 month for different segments of the market for much of this year, mainly anything under about about $600K. Right now we are STILL at .8 months for anything under about $400k.  For single family homes in general we are at a little over 1 month’s supply of homes. 

Months supply of Single Family Homes

Homes are only on the market for FIVE DAYS!!! a year and a half ago it was FOURTY FIVE! And only 6 months ago around 20!   So still homes are still flying off the market. 

Days on market – SFH

Let’s look at the 2 softer spots – Townhomes and Condos. 

The median price for a townhome is consistent with the rest of the market rise in prices and is at $271,000 from $240,000 in January.

Median Price for Townhomes

For Townhomes there is a little uptick in supply and we have a full month available right now. 

Months supply of Townhomes

Condos! This is the place if you’re looking for any kind of deal! Sellers are negotiating! You can get an INSPECTION!   🙂
Condo prices are at $171,000 for a median price, up a similar amount from the beginning of the year as other property types are. 

Condo median price

The supply of condos is where the opportunity comes in – Still a sellers market but for people selling condos it can feel like a whole different world. There are 2.5 months worth of inventory available. This has dropped a small amount since January but has been relatively flat this year overall. 

Months supply of condos

Now let’s look at what kinds of offers are being accepted! 

This is a valuable bit of information that the Minnesota Transaction Coordinators gives us on a regular basis and I’ll add my 2 cents to about what I am seeing (although as a much smaller segment of the market)

Offer Acceptance Rate: 42%

Inspections Waived: 31% – we haven’t been in the 30% range since March 

My 2 cents: the last 6 contracts (this past month or so) that I have either written or accepted have had inspections included and accepted. that’s 100% of my sales in the past several weeks. I’ve been thrilled for my buyers and I am 100% fine with it for my seller as well because I feel like inspections protect EVERYONE, the buyer, the seller and ME.

Pre-market Sales that happen without hitting the MLS : 2.8%. This is DOWN from earlier this year! It was over 5% for quite a while – maybe due to pandemic fears about having too many people in a home?

Average Purchase to List Price: 102.7% – about the lowest it’s been since the spring market! 

Still great for sellers, but also good news for buyers! And a lesson to sellers about pricing appropriately. Things change, you want to not have YOUR home sit because it’s been priced too high as well as understanding that unless you have something really special that the insane bidding wars may be over for now.  

I have talked to many agents saying that showings are down from earlier this spring when agents were setting overlapping showings and having the home packed full of people for 12 hours per day.  Now there are private showings again. There may be open spaces in the calendar. More than one offer may come in but they aren’t seeing the literal STACKS of offers that they were before.  

Financing Types:

Cash 11.5%, which is higher than it’s been

Conventional 68.5%, – a little lower than its been 

FHA 8.5%, higher! 

VA 3%, Still a rough spot! People that use VA are often choosing it because it is a no downpayment loan, which means they are short on cash. If you can’t make appraisal gap guarantees, or add other sweeteners that need ready cash available this can be a VERY tough time to buy.

USDA 8.5% (this is a high number and I wonder if it is a function of the sample size that they had – if they had 2 transactions it could hit this #). These loans are generally for rural buyers.

Seller Paid Closing Costs: are at 12%

Home Warranties: 5.7% – I was able to negotiate this recently as well! 

Contingent Upon the Sale of the Buyer’s Property: 8.5% (this seems HIGH to me! I’m still cautious about having this particular contingency, it can be a real weak spot in an offer if you have any competition at all. I would avoid this at all costs or you may have to make it an offer they can’t refuse due to price, or magically find a seller that wants to stay a little longer.

And that is ALL for this week.  I’ll be back next week with some more neighborhood profiles. I’ve been AWOL due to this insane market and actually getting a vacation for the first time in YEARS. No regrets. 😉

See you then! 

Neighborhood Tours · small towns and exurbs · Uncategorized

“Cows, colleges and contentment”. What is going on in Northfield MN?

Do small towns appeal to you? I love them. They make me think of community and knowing your neighbors and the businesspeople in town. Especially when they have a charming, walkable, central area with great shops and restaurants where people will gather. Let’s see what is going on in Northfield MN!

Even better, in my opinion, is when the town is the home to a college – or in this case, two colleges! Having students and academic institutions around do a lot for small town life. It brings the energy of youth, the cultural pursuits of the college, and it also pumps the local economy full of money spent by students, teachers and staff.

Northfield MN is home to St. Olaf College (approximately 3000 students) as well as Carleton College (approximately 2000 students). Both are private, competitive, liberal arts schools founded in the 1800’s.

Northfield is located on the banks of the Cannon River and the downtown area centers itself on that feature. It was founded in 1855 and the charm of the historic downtown reflects the long history. Watch my video so you can get a live look at the downtown. It’s cute!

Photo of the river in downtown Northfield from Tripadvisor

Northfield Parks

For a small town, Northfield has a LOT of parks! There are 30 city parks!

Northfield has a dog park right on the river, 6 outdoor skating rinks in the winter and the Northfield Ice Arena for year round hockey and skating.

In downtown Northfield you’ll find Bridge Square which is the heart of the city and the site of summer concerts and festivals like the “Defeat of Jesse James Days” fest in September of every year – Northfield’s claim to fame is that the James gang once tried to rob the bank in downtown! Nothing like a little armed robbery to encourage an annual festival…

In addition to typical parks, Northfield has 10 soccer fields at the Spring Creek Soccer Complex, a public pool with a low daily price – I think I read $4.75 / day?!? at the Old Memorial Pool. Sign me up! Our pool up here is closer to $15/day. cray. If baseball is your thing – you will likely be playing at the Sechler Athletic complex home to 4 baseball fields and adjacent to the Mill Towns Trail.

From the state DNR site: “When complete, the Mill Towns State Trail will connect the cities of Faribault, Dundas, Northfield, Waterford, Randolph, and Cannon Falls, for a distance of approximately 25 miles. The trail will be an important link in the developing southeast Minnesota trail system, connecting the Sakatah Singing Hills State Trail in Faribault with the western end of the Cannon Valley Trail in Cannon Falls.” I love a good trail! If you live in Minnesota, chances are good that you do too.

Awards- Northfield brings home the bling

Northfield racks up the awards, they clearly have the attention of those who like to rank cities. If you check out the city web site you’ll find a comprehensive list, but there were multiple mentions for things like “Best Cities to Live in America” and “Safest Cities MN”.

Northfield MN Schools

Niche.com gives the Northfield schools and overall grade of “A”. The district consists of 3 elementary schools: Sibley, Bridgewood & Greenvale Park with a total enrollment of around 1600 students and a student teacher ratio of 16:1. The elementary students then move on to Northfield Middle School & Northfield High School – each also graded “A” by Niche.com.

Demographics – who lives in Northfield?

Median household income in Northfield is higher than the national average at $70,148. The population of Northfield is around 20,000 people.

67% of residents are homeowners and the median single family home price is less than the twin cities metro median, but on a consistent rise over the past 3 years.

I also pulled information for townhomes. Those prices are HIGHER than the median in the twin cities… maybe a function of supply and demand?

Northfield Public Library

Image courtesy of the Friends of the Northfield Public Library

The Northfield library is right in the heart of downtown. It is in yet another historic looking building but the interior is throughly bright and modern. They finished an interior renovation in 2016, but kept the exterior in the character of this charming town. It was originally built in 1908 with a $10,000 grant from Andrew Carnegie! Interesting bit of historical trivia.

Grocery Stores that serve the Northfield area

I did a video on Twin Cities groceries and now I’m adding this to everything… I love food. Knowing what shopping options there are (especially in a small town!) is important to me, so with that in mind I will now unveil the map o’ food:

I think because it’s a college town of relatively decent size, they have a good amount of options from budget choices like ALDI, to Cub & Target and up near the center of town is the co-op. I don’t know what a Minnesota town would be like without a natural foods co-op. It’s a thing here.

Senior Citizens

I kind of stumbled on this while I was researching but wow! I think this looks like such a great resource for the no longer spring chickens… Northfield has a senior center that has an absolutely gorgeous gym, classes in the arts and a bunch of continuing ed / lifelong learning classes. It seems like such a great resource for community and fun. I hate the thought of anyone staying put in their homes when there are options like this available. Check out FiftyNorth.

Other Attractions in Northfield…

The Flaten Art Museum resides on the campus of St. Olaf College and is devoted to the visual arts.

The Cowling Arboretum is a part of Carleton College. It is 800 acres of land that is open dawn to dusk daily to enjoy the outdoors. They do have trails for cross country skiing in winter!

The Goodsell Observatory is on the campus of Carleton College and is such a beautiful old building. In normal (non-covid times) the Goodsell offers open houses for people to come in and take a look. Looking forward to having that option again (soon)!

Goodsell Observatory image from mortarr.com

I think that’s it?

Northfield has a LOT going on for a town this size. I start these profiles thinking it will be short and sweet and end up finding more and more as I look. It’s great because I now feel like I have a good bit of knowledge about a lot of places around the twin cities – I love that for me, but I really love that it helps me help other people who are trying to figure out where they want to live.

Neighborhood Tours · Uncategorized

Plymouth MN: one of Niche.com’s best suburbs in Minnesota

Plymouth is another big, popular suburb that lies directly west of the city of Minneapolis.

Who lives here? Download my neighborhood report and find out! It’s full of all kinds of information about the people and housing in Plymouth!

Why do people choose Plymouth MN when looking at Minneapolis suburbs? A lot of reasons! I have my usual suspects that I like to highlight when I do area snapshots and Plymouth scores highly on just about everything.

One thing I’ve started really taking note of lately is the differences between the east and west sides of the city. The western suburbs seem to me to be more established and solidly residential and with that comes a lot of the things that I think make neighborhoods nice to live in. Of course, this is not hard and fast, the eastern side of the city has established neighborhoods as well, but it also has a lot of new construction, which means homes that are built on former farm land, not many mature trees, and infrastructure still being built around it.

Parks

For quality of life, I think having a lot of green space and parks are important. Being packed into neighborhoods without having these spaces to enjoy the outdoors and time with family and friends makes an area less appealing to me.

Plymouth has some great options for green space. Because Plymouth is located out in what I think of as the “lakes area” of the metro – near Lake Minnetonka and the smaller lakes around it – the terrain is more rolling and seems to have more mature trees.

Plymouth has used that to their advantage with 1,855 acres of park land, including 174 miles of trails. Part of the trail system that goes through Plymouth is called the Luce Line Trail which is a 63 mile long converted railway to use for walking, bicycling, cross country skiing, and snow mobiling. Some sections have parallel trails for use by horseback riders as well. There are 12 parking lots along the trail for easy access. Check out the web site to see more info on this trail and get a map of entry points.

Another massive undertaking is the Northwest Greenway – they are currently on the 5th addition to this and per the Plymouth Parks and Rec web site have added something that sounds super fun and a great way to get kids outdoors, a Challenge Course!

“The Northwest Greenway Challenge Course, a new park amenity for ages 13 and older, offers unique activity challenges involving netting, climbing, balancing and agility on a variety of structures. The Challenge Course is located on the east side of Peony Lane, south of 54th Ave. N. — view on Google Maps.”

Plymouth also has three public beaches, three dog parks, seven ice rinks maintained by parks & rec. that are open from December to February, as well as the Ice Center which has 3 pro-sized ice sheets that are used for open skating, adult hockey leagues and home hockey games for Wayzata High School & Providence Academy.

Housing

Plymouth housing prices are above the Twin Cities median prices (most suburbs are). Plymouth does have a variety of housing, from townhomes & small single-level homes, to what I think of as a “typical” suburban neighborhoods and on up to very large single family homes. My video has content showing what each of these look like, but I’ll add the median home price graphs here for pricing over the past 3 years.

Median price over all
Townhomes in Plymouth vs the Twin Cities metro
Single Family Homes in Plymouth

Schools

If you are considering Plymouth it may be because of the great reputation of the schools there. One thing to know is that children attend school in one of three school districts (Wayzata, Osseo & Robbinsdale schools) depending on where they live in Plymouth. It’s important to do your own research and know which schools will meet the needs of your children. Some of the schools are considered to be among the best in the state and others don’t rank that high. Your agent can include or exclude homes based on the school districts that you prefer or want to eliminate.

Shopping

I like to cook, and most people like to eat. 😉 Everyone has a different budget and a different place that they feel great shopping in. I did a video on the most common grocery stores that you will see in the Twin Cities, so you can check that out if you want to get more of a feel for what is around here. I don’t think MN has the best reputation for having a wide variety of foods available (Nordic people seemed to like things relatively bland?) but things are changing. Most stores have more “obscure” seasonings and ingredients now, but there are also specialty groceries that are around and personally – I love to go into them and pick out somethings to try. You can see from the map below that Plymouth has no lack of options and you shouldn’t have to drive more than a couple of miles to get ingredients to get dinner on the table, I was geeked up when I saw Indian Bazaar, Kadai Foods and the Russian Market. Little treats like this make me really happy. My mouth likes spices and variety.

You’ll also notice Target on here- we have more Target stores per capita than any other state. I made that up. But it’s probably true since the HQ is here. There are several shopping centers with the usual big box stores and smaller shops and restaurants. If you’re looking for a mall, the closest one will be Ridgedale Center Mall – right off 394 just on the eastern side of 494. That’s also where you’ll likely find the closest Whole Foods, if that’s your thing.

Library

photo HCLIB.ORG

I love my public libraries! Plymouth library does not disappoint! It is fairly new, the current building was completed in 2010. It’s a bright, clean, open space with meeting rooms and a great children’s area. I’ve been up there for library sponsored talks and they do a great job bringing in content and programming that people may be interested in. The Plymouth Library is one branch of the 41 library Hennepin County library system. Because Hennepin County uses a main library / branch system everything you want is not necessarily at the branch closest to your home, but chances are that they have it and you can get it sent to your local branch fairly quickly.

Commute

OK – last bit. Many of us are working from home, but a lot of people still commute to their job. In Plymouth that means getting in your personal car and driving there. 75% of residents commute 30 minutes or less to their job, and if you look at the map up top you can see why – Plymouth has easy access to the major highways that crisscross the metro, so no matter where you need to be it’s likely about 30 minutes max to get there.

Uncategorized

Winterizing your home! Steps to take for newbies. Or if you’ve been around a while.

Are you a new home owner? Is this your first winter in the northern part of the country? Your house takes on a whole new meaning when it’s what is standing between you and below zero temps, howling winds and piles of snow.

In this post, I want to give you some tips for winterizing your home and heading off potential trouble right when you want it least. These aren’t in any particular order, and almost all of them are easy to accomplish, but NOT doing them can lead to a world of hurt.

Tune up your furnace. Have someone come out and service it and make sure that it’s functioning well. One thing you’ll notice is that furnaces malfunction at the very worst of times – probably because a lot more is being asked of them when it’s very cold and you want this to be the time when your furnace rises to the challenge.

If you have a high efficiency gas furnace, you will have 2 PVC pipes that exhaust out the side of your home. It is really important that these two pipes are free of any obstructions. And if snow gets high enough, you’ll want to make sure that the snow isn’t blocking them either.

they will look like this!

Make sure you change the filter, and change it monthly when the weather gets cold and it’s running. Contrary to common belief – you want a thinner filter! We had been spending all kinds of money on “good filters” only to be told by our furnace tech that it actually inhibits airflow and that is BAD for the furnace – you want dirt filtered out but AIR going in for best results.

Boilers that service radiators need attention too! Once a year before it gets cold have someone take a look.

Photo by Taryn Elliott on Pexels.com

Clean and inspect your chimney. If you have a wood burning stove or fireplace, before you light a fire make sure that the chimney is CLEANED. Soot builds up in the chimney and it is flammable – everyone wants to be able to put their feet up in front of the fire, but no one wants a chimney fire.

Photo by Hilary Halliwell on Pexels.com

Check the batteries and AGE of your CO/smoke detectors. Winter is when carbon monoxide poisonings are most likely to happen. Make sure your batteries are functioning – we like to change them at the fall time change.

Your detectors should have a date on them, but if not know that they should be replaced every 10 years just due to the fact that dust builds up and makes them less dependable. And if it’s time to replace them – think about going with the photoelectric instead of ionization type of detector. I’ve seen demos of the difference and it can be 15 minutes more escape time gained with a photoelectric alarm.

Photo by Luis Quintero on Pexels.com

Turn off exterior water. Before it gets truly cold, shut off water to hoses. And if you have pipes that run along exterior walls INSIDE the house – think about putting some insulation around them. Pipes can & do freeze in winter, and when this happens the water doesn’t stay inside the pipe, it flows freely throughout your walls and causes a LOT of damage. This 10 minute task will bring you a lot of peace of mind.

Photo by fotografierende on Pexels.com

Clean your gutters. When all of that snow and ice melts – it needs a place to go. You want your gutters to be able to guide it AWAY from your house. Having them clean is the way to go.

Cover the TOP of your AC unit. if you have central air, don’t put a full cover over the compressor (it will attract animals looking for shelter and hold moisture in), but if you set a piece of plywood on top and put a couple of bricks on it, it keeps things from getting into the unit.

Photo by Burst on Pexels.com

Change the rotation of your ceiling fans. Fans can switch direction, heat rises and you stay down by the floor, so if you have tall ceilings, change the setting so that the fan rotates CLOCKWISE and the warm air will be pushed downward toward where people are.

Photo by Furknsaglam on Pexels.com

Stock up on GRIT. In MN, that’s what they call it. It’s a mix of sand that you can scatter on your sidewalks and driveway to keep yourself from wiping out. I have a friend who broke her ribs trying to walk to her car because of ice. I highly recommend trying to AVOID this with liberal use of GRIT.

Air Seal. This one… is not really DIY, but I dream of doing it to my house because I fear ice dams which are caused when heat gets into attics and melts snow which then freezes on the edge of the roof. This can cause a lot of problems that I don’t want to have. And it takes a suprisingly small amount of heated air to create this issue, so if you can have someone crawl around up in your attic and seal up any hole from wiring, pipes or chimneys that allows warm air up there, you can potentially save yourself a roof and ceiling if winter conditions cause ice dams.

Uncategorized

Minnetonka – more than a fun thing to say. :)

When we were moving to MN and searching for a home we had a bizarre desire to live in Minnetonka just so we could tell people we lived there and make them say MINNETONKA, too. Side note, our GPS had fun pronouncing it and made us laugh every time. Do GPS’ learn regional pronunciation at some point? I haven’t noticed the weirdness since I moved here, but then again I’ve started saying things like “OPE!” and “UFFDA!” and the most common of them all “Oh, sure!” (it’s not “You betcha” – I think that must be more North Dakota, or “NoDak” if you’re cool)

I also had a strong association with Minnetonka slippers. Warm feet. Cold winters. Fun words.

What is the reality of Minnetonka? Here are 5 things to know if you’re thinking about moving there.

  1. It’s a second ring western suburb of Minneapolis. Commute to downtown is about 20 minutes (14 miles to the heart of downtown). Maybe about 5 minutes further to the airport.

2. Minnetonka is not the most affordable place to live in the Twin Cities metro area. The median home price in Minnetonka is $436K for a single family home, $282K for a townhome. The median income in Minnetonka is $91,374 (national median is closer to $55K).

The population is educated – about 60% of adult residents have some college education. And speaking of education – the schools in Minnetonka are consistently rated A or A+ on Niche and other school rating web sites.

3. Other than nice homes and great schools with an easy commute – what do you get for your money in Minnetonka? Well, how about easy access to a lot of really nice parks like including the Bryant Lake Regional Park (technically in Eden Prairie but close!) which has a beach, trails, disc golf, and a dog park and as well as the Lake Minnetonka LRT Regional Trail and easy access to the Dakota Regional Trail which begins in Wayzata.

Per the Three Rivers Park District: “The Lake Minnetonka LRT Regional Trail stretches over 15 miles between Hopkins and Carver Park Reserve, offering scenic views of Lake Minnetonka along the way. This aggregate trail passes through the communities of Minnetonka, Deephaven, Greenwood, Excelsior, Shorewood, and Victoria. For more ambitious trail users, pack a tent and enjoy an evening under the stars while camping at Carver Park Reserve. No car required!” If you really like biking, this trail also connects to the Cedar Lake Trail heading into Minneapolis and the Midtown Greenway which heads east and west across Minneapolis and into St. Paul.

Dakota Rail Regional Trail

Trail

“The Dakota Rail Regional Trail is a popular attraction for bikers, in-line skaters and hikers. The 13 mile paved trail offers spectacular views of the lake and passes through a variety of scenic areas, including wetlands, wooded areas and agricultural land. In Carver County, an additional 12.5 miles of paved trail extends west of St. Bonifacius to Mayer.”

4. Minnetonka is close to shopping – my fave, Costco, is just south of Minnetonka in Eden Prairie. There are a lot of smaller shops and restaurants within Minnetonka as well Ridgedale Mall and shopping center up on the northern side of the city.

5. What do you get from the city?

Things I like to see are places for the community to enjoy outside of their homes. Minnetonka offers the Williston Fitness Center – aquatics, batting cages, indoor pickleball & tennis, fitness center and gym.

They also have the Minnetonka Ice Arena, Lindbergh Center (basketball courts, weight room), Grays’s Bay Marina where you can rent a boat slip or have public boat access to Lake Minnetonka and two public beaches.

PLUS – you get to say “MINNETONKA” all the time!