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Pending
    • $825,000

    12822 96th St NE, Otsego, MN 55330

    3beds
    3,307sqft
    : 
    $5,243/mo
    Get pre-qualified
    Single Family
    Built in 2016
    1.02 Acres Lot
    $811,100 Zestimate®
    $249/sqft
    $42/mo HOA

    What's special

    Set on a peaceful acre in Otsego’s Mississippi Cove community, this custom-built rambler offers a refined blend of craftsmanship, generous space, and a setting that feels quietly removed while remaining close to major highways and everyday conveniences. Meticulously maintained, the home presents a bright and welcoming atmosphere from the moment you arrive. Inside, soaring vaulted ceilings and expansive picture windows draw the eye through the living room to views of the surrounding acreage, anchored by a gas fireplace. A quiet front dining room provides an inviting setting for gatherings and flows seamlessly into the kitchen. Designed for both culinary creativity and entertaining, the kitchen features rich alder cabinetry, abundant counter space, high-end appliances, a walk-in pantry, and a dedicated buffet with wine fridge overlooking the living area. Nearby, the mudroom offers built-in lockers, additional storage, and convenient main-level laundry. The private primary suite includes coved ceilings, a walk-out balcony overlooking the yard, and an ensuite bath with dual-head walk-in shower and jetted soaking tub. The walkout lower level expands the living space with a family room featuring a second fireplace and custom built-ins, along with two bedrooms, a full bath, office, and new kitchenette—ideal for entertaining or multigenerational living. A heated four-car garage and separate 30×40 heated outbuilding provide exceptional space for hobbies, storage, or workshop use.
    53 days
    |
    102
    |
    0
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Lindsay Bacigalupo 763-350-0022,

    Engel & Volkers Minneapolis,

    Geoffrey D Bray 952-356-5977

    Source: NorthstarMLS as distributed by MLS GRID,MLS#: 7021068MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 3/4 bathrooms: 1
      Bedroom
      • Level: Main
      • Area: 240 Square Feet
      • Dimensions: 16x15
      Bedroom 2
      • Level: Lower
      • Area: 180 Square Feet
      • Dimensions: 15x12
      Bedroom 3
      • Level: Lower
      • Area: 180 Square Feet
      • Dimensions: 15x12
      Dining room
      • Level: Main
      • Area: 156 Square Feet
      • Dimensions: 12x13
      Family room
      • Level: Lower
      • Area: 399 Square Feet
      • Dimensions: 21x19
      Kitchen
      • Level: Main
      • Area: 221 Square Feet
      • Dimensions: 13x17
      Living room
      • Level: Main
      • Area: 323 Square Feet
      • Dimensions: 17x19
      Heating
      • Forced Air, Fireplace(s), Zoned
      Cooling
      • Central Air, Dual
      Appliances
      • Included: Air-To-Air Exchanger, Cooktop, Dishwasher, Double Oven, Dryer, Exhaust Fan, Gas Water Heater, Water Osmosis System, Iron Filter, Microwave, Refrigerator, Stainless Steel Appliance(s), Wall Oven, Washer, Water Softener Owned
      • Laundry: Laundry Room, Main Level, Sink
      Features
      • Basement: Daylight,Drain Tiled,Egress Window(s),Finished,Full,Storage Space,Sump Basket,Tile Shower,Walk-Out Access
      • Number of fireplaces: 2
      • Fireplace features: Gas, Living Room
      Interior area
      • Total structure area: 3,578
      • Total interior livable area: 3,307 sqft
      • Finished area above ground: 1,789
      • Finished area below ground: 1,518
      Video & virtual tour

      Property

      Parking
      • Total spaces: 4
      • Parking features: Attached, Concrete, Garage Door Opener, Heated Garage, Insulated Garage, Multiple Garages, RV Access/Parking
      • Attached garage spaces: 4
      • Has uncovered spaces: Yes
      • Details: Garage Dimensions (44x25)
      Accessibility
      • Accessibility features: None
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Composite Decking, Deck, Patio
      • Pool features: None
      • Fencing: None
      Lot
      • Size: 1.02 Acres
      • Dimensions: 257 x 176 x 256 x 169
      • Features: Corner Lot, Tree Coverage - Light
      Details
      • Additional structures: Garage(s), Pole Building
      • Foundation area: 1789
      • Parcel number: 118247003130
      • Zoning description: Residential-Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family
      Materials
      • Roof: Asphalt
      Condition
      • New construction: No
      • Year built: 2016

      Utilities & green energy

      • Electric: 200+ Amp Service
      • Gas: Natural Gas
      • 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: Davis Mississippi Cove
      • HOA phone: 763-350-0022
      Location
      • Region: Otsego

      Financial & listing details

      • Price per square foot: $249/sqft
      • Tax assessed value: $708,400
      • Annual tax amount: $8,047
      • Date on market: 6/1/2026
      • Cumulative days on market: 82 days

        Estimated market value

        $811,100

        $771,000 - $852,000

        $3,615/mo

        Price history

        DateEventPrice
        6/1/2026Pending sale$825,000$249/sqft
        Source: NorthstarMLS as distributed by MLS GRID #7021068 Report a problem
        5/10/2026Listing removed$825,000$249/sqft
        Source: Engel & Volkers #7021068 Report a problem
        5/6/2026Price change$825,000-2.9%$249/sqft
        Source: NorthstarMLS as distributed by MLS GRID #7021068 Report a problem
        3/16/2026Listed for sale$850,000+820.6%$257/sqft
        Source: NorthstarMLS as distributed by MLS GRID #7021068 Report a problem
        4/15/2016Sold$92,335$28/sqft
        Source: NorthstarMLS as distributed by MLS GRID #4649411 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$8,092 +11%$708,400 +2.5%
        2024$7,292 +6.3%$691,300 +6%
        2023$6,858 +19.3%$652,000 +18.2%
        2022$5,747 +6.9%$551,500 +32.3%
        2021$5,376 +14.5%$416,800 +8.3%
        2020$4,694 -53.6%$385,000 +3%
        2019$10,114 +115.5%$373,800 +6.8%
        2018$4,694 +6.2%$350,100 +3.7%
        2017$4,418 +330.6%$337,700
        2016$1,026 --
        2015$1,026 -4.8%--
        2014$1,078 +58.6%--
        2013$680 -42.6%--
        2012$1,184 +2.2%--
        2011$1,158 +1.7%--
        2010$1,138 +23.9%--
        2009$919 --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 55330

        Getting around

        1 / 100
        Car-Dependent
        35 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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