Does this property have an HOA?

Yes. The HOA fee is $242 per month.

What are the annual property taxes?

Annual property taxes are $6,494 (2026).

What school district is this property in?

This property is in the 882 - Monticello school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property was listed for 4 days.

Sold / Closed

$682,400

Sold price · Closed Jul 29, 2026

$206/sqft

Mississippi Pines

10161 James Avenue, Otsego, MN, 55362

3 Bedrooms3 Bathrooms3,403 Square Feet1.009 Acres

Days on market4

Year built2004

Garage spaces3

HOA / month$242

TypeResidential

Est. $17,997buyer credit when you buy with SODL

About this home

Absolutely stunning custom-built rambler in the highly sought-after Mississippi Pines neighborhood. Nestled on a gorgeous, park-like 1-acre lot offering exceptional privacy and seclusion, this property also provides direct access to the Mississippi River. Enjoy convenient one-level living with all essential amenities located on the main level, along with two spacious bedrooms in the walkout lower level. Rarely does a property of this caliber become available, featuring custom, high-quality finishes throughout, including custom cabinetry, real hardwood flooring, premium Pella windows, and two beautiful stone fireplaces with built-ins. You'll also appreciate the peace of mind provided by the new siding, new roof, and refinished deck. Additional highlights include an oversized heated 3-car garage and a fully irrigated lawn. The spacious, open-concept main level showcases impressive tray-vaulted ceilings, a convenient laundry room, pocket office, and a beautiful primary suite featuring a spa-like bath with a separate tiled shower, luxury jetted whirlpool tub, and spacious walk-in closet. The inviting sunroom offers serene backyard views and is the perfect place to relax and unwind. The warm and inviting walkout lower level is designed for entertaining, featuring a theater/family room, full bar, billiards area, two additional bedrooms, and a full bath, with direct access to the private backyard oasis. Residents of this charming community enjoy neighborhood walking trails, a park, nearby boat launch access, and the convenience of nearby shopping and amenities. Don't miss this incredible opportunity to own a truly exceptional home in one of the area's most desirable neighborhoods!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2004

LevelsOne

Living area3,403 sqft

Above-grade finished1,905 sqft

Below-grade finished1,498 sqft

Lot size1.009 acres (200x215x199x233)

Days on market4

ListedJun 23, 2026

MLS #NST7097536

CountyWright

SubdivisionMississippi Pines

Parcel #118164007020

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Cooktop, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 36x26 · 934 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Deck, Porch
Exterior features: Stone, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 1,619 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2004

Utilities

Water: Drilled, Well
Sewer: Private Sewer, Tank with Drainage Field
Fuel: Natural Gas

Community & HOA

Subdivision: Mississippi Pines
HOA: $242/annual
HOA name: Mississippi Pines Homeowners Association
HOA phone: 7637556554
HOA includes: Other
School district: 882 - Monticello

Financial & listing details

Annual tax: $6,494 (2026)
Listed: Jun 23, 2026
Days on market: 4 · 15 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementDrain Tiled, Finished, Full, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces2

LaundryMain Level

AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Wall Oven, Washer, Water Softener Owned

DiningBreakfast Area, Eat In Kitchen, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Window, Natural Woodwork, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Vinyl

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,619 sqft

Patio/porchDeck, Porch

Lot featuresTree Coverage - Heavy, Tree Coverage - Medium

Road frontageCity Street, Paved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceDrilled, Well

SewerPrivate Sewer, Tank with Drainage Field

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces3

Garage size934 sqft

Financial details

Annual taxes$6,494

Tax year2026

Taxes w/ assessments6494

Assessment pendingNo

HOA fee$242

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District882 - Monticello

District number882

District phone7632722000

High schoolMonticello

SODL flat fee brokerage

$17,997Estimated buyer credit

SODL platform fee $3,000Your buyer credit $17,997

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$4,695/mo

Principal & interest$3,678

Property taxes$541

Home insurance (est.)$233

HOA fees$242

Down payment

$139,980

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.