Serdar+Partnersat Compass
Zimmerman, MN · a live/work property for a trade

A shop that can cost less than building one.

9765 261st Ave NW — a ~4,800 sq ft geothermal shop with 3-phase power, built by a cabinet maker, on five wooded acres. It's the rare property that pays a trade to own instead of rent, on a single 30-year home loan.

Run the numbers yourself ↓ Call Geoffrey · 952-258-3100
Inside the ~4,800 sq ft heated shop at 9765 261st Ave NW, Zimmerman
Inside the shop — two connected buildings, geothermal-heated, wired for 3-phase.
~4,800 SFindustrial shop*
3-phasevia on-site converter
~5 acreswooded · pond
Geothermalshop + home
Why this one is different

Not a house with a shop. A small trades compound.

Most acreage listings are a home that happens to have a pole barn. This is the opposite: a working shop — two connected buildings, geothermal-heated, wired for heavy 3-phase equipment (through an on-site converter), on its own electric meter — that a cabinet maker built for real production. The four-bedroom home, the separate income suite, and five wooded acres come with it.

The reason that matters isn't sentiment, it's financing. A standalone commercial shop is bought with SBA or commercial money — higher rates, bigger down, a year or two of construction, and no roof over your head meanwhile. Here, the shop is attached to a home, so the whole property rides one 30-year residential loan. That's a structural advantage no bare lot can offer — and it's the entire point of the calculator below.

The math, in your hands

Buy it, or build it — you move the numbers.

Change the price, the down payment, the rate, even the shop size. Watch what it costs to own this versus what it costs to build the equivalent from dirt. Everything here is an illustrative estimate — confirm real figures with your own lender.

Own this property — all-in / month
$4,560/mo
Your net after rent$4,560/mo
Financed asone 30-yr home loan
Move innow
Build the equivalent instead
Cost to replicate~$952,000
land · site work (well/septic/driveway) · shop · geothermal · 3-phase · a home
Monthly (shop on SBA + a home)~$5,380/mo
Financed asSBA / commercial
Move inin 1–2 years
Owning this runs about $820/mo less than building the equivalent — and you're in now, not two years from now.

Illustrative estimates only — not an offer of financing or financial advice. Payment includes principal, interest, and estimated taxes + insurance (~1.3% of price/yr). "Net after rent" subtracts market rents (suite ~$1,000/mo, home ~$2,200/mo). The build column finances the shop, land, and site work (well, septic, driveway, utility hookups) on SBA 504 (~6.5% / 25 yr, ~10% down) and adds ~$2,000/mo for a home you'd still need; commercial money runs higher. Build, land, rate, and square-footage figures are approximate. *Shop size ~4,800 sq ft is an estimate pending measurement. Confirm every number with your own lender, CPA, and the county.

Every way to finance it, side by side

Buy it, or build it — the full math.

The quiet advantage: because the shop is attached to the house, the whole property rides one 30-year home loan. Build a shop by itself and that cheap 30-year money isn't available to you at all — you're on SBA or commercial terms, and you wait a year or two.

Scenario 30-yr residential~6.55% SBA 504~6.5% · 25 yr Commercial~8.5% · 25 yr
Buy 9765
Own the house, apartment & shop — rent nothing~$4,560/mo20% down——
Own the house & shop — rent the apartment~$3,560/monet · 20% down——
Own the shop — rent the house & apartment~$1,360/monet · 20% down——
Build new
Build it all — house, shop, apartment + both geothermal~$1,167,000 to build~$7,100/mo$233,400 down——
Build the shop + house on the same kind of land~$1,077,000 to build~$6,550/mo$215,400 down——
Build just the shop — on new land~$562,000 to buildno 30-yr loan for a bare shop~$3,980/mo$56,200 down~$3,960/mo$140,500 down
Build just the shop — on land you already own~$487,000 to build—~$3,450/mo$48,700 down~$3,430/mo$121,750 down

Read the blanks: the only way to touch a 30-year home loan is to have a house — and buying 9765 puts the shop on that loan. Build a standalone shop and you're on pricier SBA or commercial money, you wait a year or two, and you still need somewhere to live (add ~$2,000/mo to the shop-only rows to compare fairly — the buy rows already include the home). Illustrative estimates only — not an offer of financing or financial advice; rates change frequently. Confirm every number with your own lender, CPA, and tax advisor.

What you're actually buying

The pieces.

The shop the reason you're here

  • ~4,800 sq ft (approx.) across two connected buildings — a main shop and a warehouse, joined by French doors — geothermal-heated, on its own electric meter, with heavy-duty pallet racking included.
  • Built by a cabinet maker: wired to run heavy 3-phase equipment through an on-site converter, an 80-gallon air compressor, radiant heated floor, an office, and a bathroom.
  • Zoned General Rural and run as a home-based cabinet business for years — a trade is proven here. Buyers confirm their specific use with the county.

The home & income suite

  • A 4-bedroom, 2-bath home with warm oak cabinetry and a finished lower level, under a new steel roof (2022).
  • A separate ~480 sq ft suite — its own entrance, kitchen, bath, laundry, in-floor heat, and indoor parking. Rent it (~$1,000/mo) or house family.
  • Geothermal heat + cooling on both buildings, with propane backup — low cost and never-fails heat.

The land

  • Five private, wooded acres with a pond and trails.
  • An oversized 3-car, heated garage.
  • Adjoining acreage may be available separately by private arrangement — ask for details.

Who it fits

  • A welder, machinist, cabinet maker, or CNC shop that needs 3-phase and real room — and is tired of paying rent on shop space.
  • A builder or excavator who wants the yard, the heated shop, and the acreage in one place.
  • Anyone who'd rather own the whole thing on a home loan than assemble it piece by piece.
Built to survive a second look

The parts people worry about are documented.

Rural properties live and die on water, septic, and power. On this one, those aren't question marks — they're paperwork on file for you and your appraiser.

Septic — cleared

The home is on a new engineered system, county-verified compliant (2026), good through 2031. The shop has its own compliant holding-tank system. Reports on file.

Water

A documented private well with a disclosure certificate on file, plus an in-ground sprinkler system.

Power & heat

3-phase capability via converter, two separate electric meters, and geothermal on both buildings with propane backup.

Measured floor plans

Measured room-by-room plans of all three levels plus the shop — explore them below.

Improvements

Steel roof (2022), a ~$40,000 retaining wall (2022), and new shop gutters (2024).

The one estimate

The shop's ~4,800 sq ft is an estimate until it's formally measured — we'd rather say "approx." than guess high.

Every room, measured

The floor plans.

Measured plans for all three levels of the home plus the shop. Tap any plan to enlarge it and read the dimensions.

Measured floor plan — the shop
The shop — Warehouse + Shop/Office side, ~4,800 sq ft (approx.). Tap to enlarge ⤢
Walk it

Take the tour.

The full property walk-through — tap to play. No autoplay, no clutter; nothing loads from YouTube until you press play.

9765 261st Ave NW property tour
9765 261st Ave NW — the walk-through
A look around

Gallery.

The shop building and concrete apron Inside the shop — workbenches and open floor Aerial of the five wooded acres with the lake beyond The home exterior, set among mature trees Living room with stone fireplace and built-ins Kitchen with oak cabinetry and dining area
Come see it — or send someone who should

Walk the shop. Run these numbers against your own.

Private, in-person showings are available by appointment. If it's not for you but you know the tradesperson or business owner it's built for, send them my way — I'll take good care of them.

Call · 952-258-3100 Text · 952-258-3100

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