Does this property have an HOA?

Yes. The HOA fee is $165 per month.

What are the annual property taxes?

Annual property taxes are $5,371 (2025).

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 410 days.

No photos available

Listed at

$415,000

$149/sqft

Settlers Bluff

10254 Greystone Circle, Cottage Grove, MN, 55016

5 Bedrooms3 Bathrooms2,778 Square Feet0.133 Acres

Days on market410

Year built2022

Garage spaces2

HOA / month$165

TypeResidential

Est. $9,450buyer credit when you buy with SODL

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About this home

Welcome to this nearly new 5-bed, 3-bath home, valued around $450,000, built in 2022 and offering 2,778 sq ft of stylish, modern living in the sought-after Settlers Bluff neighborhood. This well-maintained home boasts recent upgrades, including a brand-new maintenance-free deck, fresh interior paint, newly replaced upper-level carpet and LVP flooring, and a coated garage floor. Featuring a unique floor plan that is no longer being built, this home also comes with a 1-year warranty transferred to the buyer at closing for added peace of mind. Located in a vibrant community close to parks, trails, shopping, dining, and other local amenities, this home offers comfort and convenience at an affordable price point. Perfectly situated for easy access to everything Cottage Grove has to offer. This is a short sale—a rare opportunity to move in with instant equity!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2022

LevelsTwo

Living area2,778 sqft

Above-grade finished2,778 sqft

Below-grade finished0 sqft

Lot size0.133 acres (18X18X121X63X119)

Days on market410

ListedAug 11, 2025

MLS #NST6771089

CountyWashington

SubdivisionSettlers Bluff

Parcel #3002721110067

Facts & features

Interior

Bedrooms: 5
Bathrooms: 3
Bath breakdown: 1 full / 2 3/4
Heating: Forced Air
Cooling: Central Air
Basement: Finished, Full, Walkout · 0 sqft finished

Property

Levels / stories: Two
Garage: 2 spaces · 440 sqft
Parking features: Attached Garage, Tuckunder Garage
Lot size: 0.133 acres
Lot dimensions: 18X18X121X63X119
Accessibility: None

Construction

Property type: Residential
Property subtype: Single Family
Foundation: 949 sqft
Roof: Age 8 Years or Less
Year built: 2022

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas

Community & HOA

Subdivision: Settlers Bluff
HOA: $165/month
HOA name: Gassen
HOA phone: 9529225575
HOA includes: Lawn Care, Professional Mgmt, Sanitation, Snow Removal
School district: South Washington County

Financial & listing details

Annual tax: $5,371 (2025)
Tax with assessments: 5426
Listed: Aug 11, 2025
Days on market: 410
Short sale potential: Yes
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths2

Half baths0

1/4 baths0

BasementFinished, Full, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

DiningKitchen/Dining Room

AccessibilityNone

Exterior & lot

RoofAge 8 Years or Less

Foundation area949 sqft

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Tuckunder Garage

Garage spaces2

Garage size440 sqft

Financial details

Annual taxes$5,371

Tax year2025

Taxes w/ assessments5426

Assessment pendingYes

HOA fee$165

Down payment resourceYes

Lender ownedNo

Short saleYes

ForeclosureNo

Schools

District number2290

District phone6514256300

High schoolSouth Washington County

SODL flat fee brokerage

$9,450Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,450

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

$2,932/mo

Principal & interest$2,181

Property taxes$448

Home insurance (est.)$138

HOA fees$165

Down payment

$83,000

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.