Welcome Home to this extraordinary two-story acreage home nestled on the banks of the Mississippi River in one of the area’s most sought after private neighborhoods. Situated on a beautifully maintained 1-acre private lot with sweeping river views, this 5-bedroom, 4-bathroom home offers a perfect blend of luxury and comfort. Step inside and discover a stunning chef’s kitchen, office, formal dining room, and a 3-season porch overlooking the river. Maple flooring throughout the main level. The spacious upper level includes brand new carpet flowing through the loft and 4 bedrooms; including an amazing primary featuring a huge walk-in closet and private full bathroom with a walk-in tile shower and soaking tub. The finished walkout lower level is the ultimate entertaining space with a wet bar, rec space, bedroom, 3/4 bathroom, large storage area, kitchenette, and ample storage. If that wasn't enough, this home boasts an incredible garage setup: an attached 4-car heated garage with rear overhead access and a massive 30' x 50' detached garage with a 14' x 14' door—perfect for your RV or hobby space. Both roofs were replaced in 2024, and the front exterior was freshly painted in 2025. Enjoy the peace and quiet of this private HOA-maintained community featuring all 1 acre lots, 50% open green space, and no remaining buildable lots. See supplements for a map of the river and islands providing opportunities to bow hunt and fish at your leisure. Exceptional opportunity to own a legacy property along the Mississippi with unmatched quality, comfort, and space to grow.
Closed
$995,000
12712 96th St NE, Otsego, MN 55330
5beds
4,273sqft
Single Family Residence
Built in 2007
1 Acres Lot
$978,000 Zestimate®
$233/sqft
$4,174 Estimated rent
Home value
$978,000
$910,000 - $1.06M
$4,174/mo
Zestimate® history
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$6,752/mo
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Zillow last checked:
Listing updated:
Listed by:
Regan Y Englund 763-229-8369,
Keller Williams Classic Rlty NW
Bought with:
Christopher R Adams
eXp Realty
Source: NorthstarMLS as distributed by MLS GRID,MLS#: 6754619
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Bedroom
- Level: Upper
- Area: 208 Square Feet
- Dimensions: 13x16
Bedroom 2
- Level: Upper
- Area: 144 Square Feet
- Dimensions: 12x12
Bedroom 3
- Level: Upper
- Area: 143 Square Feet
- Dimensions: 13x11
Bedroom 4
- Level: Upper
- Area: 156 Square Feet
- Dimensions: 13x12
Bedroom 5
- Level: Lower
- Area: 180 Square Feet
- Dimensions: 15x12
Other
- Level: Lower
- Area: 320 Square Feet
- Dimensions: 20x16
Dining room
- Level: Main
- Area: 144 Square Feet
- Dimensions: 12x12
Family room
- Level: Lower
- Area: 320 Square Feet
- Dimensions: 16x20
Garage
- Area: 1500 Square Feet
- Dimensions: 50x30
Great room
- Level: Main
- Area: 288 Square Feet
- Dimensions: 18x16
Informal dining room
- Level: Main
- Area: 128 Square Feet
- Dimensions: 8x16
Kitchen
- Level: Main
- Area: 192 Square Feet
- Dimensions: 12x16
Laundry
- Level: Main
- Area: 48 Square Feet
- Dimensions: 6x8
Loft
- Level: Upper
- Area: 150 Square Feet
- Dimensions: 15x10
Office
- Level: Main
- Area: 144 Square Feet
- Dimensions: 12x12
Other
- Level: Main
- Area: 196 Square Feet
- Dimensions: 14x14
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Wine Cooler
- Laundry: Laundry Room, Main Level, Sink
Features
- Basement: Finished,Walk-Out Access
- Number of fireplaces: 2
- Fireplace features: Family Room, Gas, Living Room
Interior area
- Total structure area: 4,273
- Total interior livable area: 4,273 sqft
- Finished area above ground: 3,137
- Finished area below ground: 1,136
Property
Parking
- Total spaces: 5
- Parking features: Attached, Detached Garage, Garage, Heated Garage, Insulated Garage, Multiple Garages, RV Access/Parking
- Attached garage spaces: 5
- Details: Garage Door Height (14)
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Composite Decking, Deck, Front Porch
- On waterfront: Yes
- Waterfront features: River Front
Lot
- Size: 1 Acres
- Dimensions: 133 x 249 x 246 x 234
Details
- Additional structures: Garage(s)
- Foundation area: 1636
- Parcel number: 118247003070
- Zoning description: Residential-Single Family
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Condition
- New construction: No
- Year built: 2007
Utilities & green energy
- Gas: Natural Gas
- Sewer: Private Sewer, Septic System Compliant - Yes
- Water: Private
Community & HOA
Community
- Subdivision: Davis Mississippi Cove 2nd Add
HOA
- Has HOA: Yes
- Services included: Other
- HOA fee: $500 annually
- HOA name: Mississippi Cove
- HOA phone: 320-292-3825
Location
- Region: Otsego
Financial & listing details
- Price per square foot: $233/sqft
- Tax assessed value: $738,300
- Annual tax amount: $8,593
- Date on market: 7/15/2025
- Cumulative days on market: 48 days
Price history
| Date | Event | Price |
|---|---|---|
| 9/22/2025 | Sold | $995,000-0.5%$233/sqft |
Source:  NorthstarMLS as distributed by MLS GRID #6754619 Report a problem | ||
| 9/3/2025 | Pending sale | $1,000,000$234/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6754619 Report a problem | ||
| 7/17/2025 | Listed for sale | $1,000,000$234/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6754619 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $8,638 +0.5% | $738,300 +0.8% |
| 2024 | $8,596 +5% | $732,700 -2.9% |
| 2023 | $8,186 +9.4% | $754,800 +17.4% |
| 2022 | $7,483 +9.7% | $643,200 +20.1% |
| 2021 | $6,820 +7.5% | $535,700 +3.9% |
| 2020 | $6,342 -65% | $515,400 +9.3% |
| 2019 | $18,134 +185.9% | $471,400 -0.8% |
| 2018 | $6,342 +6.4% | $475,100 +5.9% |
| 2017 | $5,962 +4.3% | $448,800 |
| 2016 | $5,714 | -- |
| 2015 | $5,714 -1.2% | -- |
| 2014 | $5,782 +9.2% | -- |
| 2013 | $5,296 -0.7% | -- |
| 2012 | $5,334 +5.5% | -- |
| 2011 | $5,054 -1.7% | -- |
| 2010 | $5,142 -4.8% | -- |
| 2009 | $5,402 | -- |
Find assessor info on the county website
Neighborhood: 55330
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Nearby schools
GreatSchools rating
- 8/10Prairie View Middle SchoolGrades: 5-8Distance: 1.4 mi
- 10/10Rogers Senior High SchoolGrades: 9-12Distance: 6.9 mi
- 8/10Otsego Elementary SchoolGrades: K-4Distance: 3.4 mi
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Estimated market value
$978,000
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Estimated market value
$978,000
- Minnesota
- Wright County
- Otsego
- 55330
- 12712 96th St NE
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