Home Buying in a Flood Zone?

Home Buying in a Flood Zone

It can be frustrating when a beautiful home you’ve fallen in love with in the Twin Cities or the surrounding areas is in a flood zone. While it’s not necessarily a deal-breaker, there are some serious considerations to understand before moving forward.

Flood zones are defined by the Federal Emergency Management Agency (FEMA) and are categorized according to the level of risk. A high-risk area is defined as having a 1+% chance of annual flooding, whereas a low-to-moderate location has a 0.2% or less chance of annual flooding.

FEMA maintains a flood map center where you can research the classification of the location and the level of concern. Zones labeled A and V are the highest risk zones. These are areas that are either coastal or riverside communities. These Special Flood Hazard Areas will have to carry flood insurance and have a 25%
chance of serious flooding in a 30-year timeframe. Zones labeled B, C, and X are lower risk.

Flood insurance is available to homeowners in any location. It makes sense that homes located in high-risk areas may pay higher premiums than those in lower-risk zones. In addition to normal homeowner’s insurance, flood insurance can range from a few hundred a year to thousands per year. The good news is that proper flood insurance provides excellent coverage in the event of damage, even providing temporary housing if necessary. Coverages vary, so it’s important to discuss the options with your insurance agent.

There is no reason to dismiss a home simply because it’s located in a flood zone. Many beautiful locations are also considered high-risk. But before you write the offer, it’s important to consider all the implications and costs involved.

Where to Find Great Lofts to Buy in Minneapolis

Minneapolis Lofts

The city of Minneapolis is known for its unrivaled beauty when it comes to lofts with a stunning view of the city.  You can find an abundance of lofts in the city, which offer a quiet comfort with luxury amenities at any price range which suits you.

Boutique Style Lofts

The North Western part of Downtown Minneapolis is known for their unique, boutique style lofts, which feature a number of old- style, vintage themed houses. These are buildings which have a number of well- styled and luxurious condos in them. You will find a number of amenities, including indoor heating, a fitness area, and a security system.

Stylish City Loft

Warehouse Lofts

Located all over downtown Minneapolis, warehouse lofts are extremely popular because of their spacious interiors and fantastic views. Many lofts are also equipped with urban patios. These lofts are perfect for those people who work and study in downtown Minneapolis. There are several luxury facilities included in the lofts, including storage units, outdoor maintenance, and trash and sewage treatment systems.

Modern Lofts

Located mainly in the center of downtown Minneapolis, modern lofts in the area consist of a lot of contemporary designs with free flowing interiors. These lofts stick to the gritty aesthetic of original lofts, without losing touch of their modern side. These lofts offers something for everyone.  You find some of the shared amenities may include building security systems, free cable, exercise room, amusement/party room, and outdoor maintenance.

Urban Living Lofts

Located mainly in the northern part of downtown Minneapolis, urban living lofts offer a culmination of other other types of designs, such as industrial and modern features. These lofts are most modern in their build, and offer a combination of one, two, and three bedroom lofts. The amenities that urban living lofts offer include community centers, rooftop patios, fitness areas, and indoor heating.

Luxury Condos

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Shannon Lindstrom, Realtor®, AHWD, GREEN, NCS
Direct: 612-616-9714

The 5 Healthiest Restaurants in Minneapolis

Minneapolis Organic Restaurants

Minneapolis uptown condo living residents take their health very seriously. This is probably why there are so many health restaurants in the vicinity of Minneapolis uptown condo living neighborhoods. Here is the best of the best:

1. Whole Sum Kitchen

This laid-back café serves up vegan-friendly, acai bowls, grain bowls and artisan coffee, all in a hip, comfortable café at 824 West 50thStreet.

2. French Meadow Bakery & Café

This award-winning organic, farm to table café is unassuming, simple and elegant, all at once. With two locations, one at 2610 Lyndale Ave. S in Minneapolis and the other at 1662 Grand Avenue in Saint Paul, you’ll still need reservations if you want to be guaranteed a table.

3. Crisp & Green

Just as you’d expect, Crisp & Green is your Minneapolis uptown condo living destination for fresh, organic salads in all possible forms. Choose from the Chef’s Curry concoction, Fiesta Bowl, or the No Prob Cobb, among many others. Visit the Minneapolis location at 428 North Washington Avenue.

4. Common Roots Café

The Common Roots Café at 2558 Lyndale Ave. S in Minneapolis offers indoor and sunny outdoor seating while you enjoy hand-crafted delights such as avocado toast, grilled watermelon and succotash hash.

5. Tao Organic Café & Herbery

This local gem, located on 2200 Hennepin Ave. in Minneapolis, is both a natural foods store and food café. Menu offerings include organic beef bone broth, mushroom broth, raw superfood crunch, coconut curry bowl and sweet potato burrito.

As you can see, Minneapolis uptown condo living entails a rich selection of home-grown food restaurants owned and operated by people who value quality of life as much as you do! If you’re looking for uptown Minneapolis condos for sale, please don’t hesitate to contact us!

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Shannon Lindstrom, Realtor
Direct: 612-616-9714

city bakery

Eco-Friendly Minneapolis: Living Near Lake Street

Lake Bde Maka Ska Calhoun Condos

Minneapolis is a city with its own lake district. Live near Lake Street, and you’ll be celebrating the beauty of Minneapolis and its natural elements every day. Have you seen the current condos for sale Uptown Minneapolis has to offer?

The diversity of green living opportunities in this area shows that eco-conscious urban living is for every age and income level. Here’s just a small sampling:

Loop Condos For Sale

Live at the Loop Condos and have year-round access to the Midtown Greenway trail for walking, running, and cycling. These spacious condos span 1,000 to 2,000 square feet! In a building carefully insulated from the city sounds, elegant features include stylish Italian kitchens. Live in the heart of a fine dining mecca, and just two streets from Whole Foods. Our very own Lunds and Byerlys grocery store is also a short walk from home!

Minneapolis Highrise Condos

Over 55+ Condos at Kenwood Isles

Hoping to find 55+ condos in the East Isles and Uptown Neighborhood in Minneapolis? Just a block away from the Midtown Greenway is modestly priced Kenwood Isles, featuring underground parking. The Metro Transit bus stop serves routes throughout Minneapolis, and Uptown Station is just a block away! Kenwood Isles is situated among a fabulous array of restaurants, churches, and book shops. Green features include solar roofs, and most units include gorgeous bay windows.

3310 Nicollet Condos For Sale

Take a look at this newer, 4-story condo building in refreshingly affordable Lyndale, one of the loveliest South Minneapolis walking neighborhoods. Terraces, balconies, and oversized windows all celebrate the natural surroundings. The 35 units range from 689 to 1,108 square feet. And there’s never a dull dinner when you live in the hub of an international culinary scene.

Embraced By the Lakes: Lake Point Condos 

Off East Lake, embraced by the Lakes themselves, is Lake Point, a high-rise on the shore of  Lake Bde Maka Ska. While Lake Point maintains a no-dogs policy, cats are fine per number limit. You’ll appreciate the round-the-clock security, a hot tub, sauna, indoor pool, heated parking, and guest parking.

Lake Bde Maka Ska

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Shannon Lindstrom, Realtor®, AHWD, GREEN, NCS
Direct: 612-616-9714

Top Three Walkable Neighborhoods in Minneapolis

Loring Park Minneapolis

The citizens of Minneapolis are known for their love of walking around the city, even if they are faced with harsh winters. Minneapolis is filled with walkable neighborhoods, where you can easily take a breath of fresh air and clear your head. There are numerous condos or lofts for sale in Minneapolis has to offer, which a benefit is living near walkable neighborhoods.

Grand Rounds Scenic Byway System


Uptown Minneapolis is emerging hotspot for individuals who enjoys biking, walking trails and also a myriad mix of lakes. The South Minneapolis – Uptown location has emerged as one of the 2nd walkable neighborhoods in Minneapolis. The walkscore is 93. You can find anywhere from casual to fine dining restaurants, quaint coffee shops, and shopping experience for all.  There is a variety of condos and houses for sale from historic to modern style, which can suit the tastes of any individual. Also, the Uptown Minneapolis is a sustainable neighborhood with numerous public transportation options.  For the Metro Transit maps & time schedule, visit https://www.metrotransit.org/imap/map.aspx?route=.

Midtown Greenway – Bike Route Map


The downtown area of Minneapolis is one of the most connected places in the city. The Minneapolis skyway system is roughly 11 miles in length. You can find everything that you are looking for, within a short walking distance of condos & lofts. Whether you are looking to experience a day of sightseeing, a show at the theater, visit the museum, or enjoy shopping at numerous stores. Urban living at it finest.

Visit https://www.minneapolis.org/things-to-do/itineraries/52-must-sees/

Loring Park

This neighborhood houses the Minneapolis Community and Technical College, along with the Minneapolis Convention Center. Thus, the neighborhood is a constant hotbed of activity, whether it be night or day. Loring Park is surrounded by all sides by continuous bustling, with Walker Art Center on the west and Downtown Minneapolis on the east. If you are looking for a day out, simply take a walk in Loring Park or visit the Minneapolis Sculpture Garden, and you will surely find something to do. In addition, many people simply walk to work everyday, as Loring Park is well connected to other neighborhoods.

Minneapolis Park & Recreation – Loring Park

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Shannon Lindstrom, Realtor®, AHWD, GREEN, NCS
13784 83rd Way No, Ste. 200
Maple Grove, MN 55369
Direct: 612-616-9714