Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $1,134 (2026).

What school district is this property in?

This property is in the 728 - Elk River 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 has been listed for 15 days.

Listed at

$487,190

$203/sqft

Northwater

12377 71st Street, Otsego, MN, 55330

4 Bedrooms4 Bathrooms2,402 Square Feet0.26 Acres

Days on market15

Year built2026

Garage spaces3

TypeResidential

Est. $11,616buyer credit when you buy with SODL

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About this home

Ask how you can receive up to $20,000 in closing costs when using D.R. Horton’s preferred lender! The Finnegan is your next dream home! This plan features a private main level office flex area with study doors along with an open living, kitchen and dining area accented by vaulted ceilings. Kitchen boasts a center island, walk-in corner pantry and stainless-steel appliances. One nice feature about the Finnegan is that each of the upper-level bedroom has a walk-in closet; primary bedroom has TWO walk-in closets along with a private ensuite bathroom. Not to mention FINISHED WALKOUT LOWER LEVEL with amazing pond views!! Minutes from I94 for easy commuting, minutes from Albertville Premium Outlet Malls for easy shopping and minutes from a variety of entertainment and dining, COSTCO just minutes away. What more could you ask for? No community HOA.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2026

LevelsThree Level Split

Living area2,402 sqft

Above-grade finished1,796 sqft

Below-grade finished606 sqft

Lot size0.26 acres (66x173x61x170)

Days on market15

ListedSep 14, 2026

New constructionYes

MLS #NST7144259

CountyWright

SubdivisionNorthwater

Parcel #118361005030

Facts & features

Interior

Bedrooms: 4
Bathrooms: 4
Bath breakdown: 2 full / 1 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Disposal, ENERGY STAR Qualified Appliances, Exhaust Fan, Humidifier, Microwave, Range, Stainless Steel Appliances, Tankless Water Heater

Property

Levels / stories: Three Level Split
Garage: 3 spaces · 618 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener
Patio & porch: Covered, Front Porch
Exterior features: Stone, Vinyl
Lot size: 0.26 acres

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Poured Concrete · 1,796 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Asphalt
Builder: D.R. HORTON
New construction: Yes

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 200+ Amp Service

Community & HOA

Subdivision: Northwater
HOA: No HOA
School district: 728 - Elk River
High school district: Elk River

Financial & listing details

Annual tax: $1,134 (2026)
Listed: Sep 14, 2026
Days on market: 15
Manufactured home: Yes

Interior details

Total bathrooms4

Full baths2

3/4 baths1

Half baths1

1/4 baths0

BasementDrain Tiled, Drainage System, Finished, Sump Pump, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryElectric Dryer Hookup, Lower Level, Laundry Room, Washer Hookup

AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, ENERGY STAR Qualified Appliances, Exhaust Fan, Humidifier, Microwave, Range, Stainless Steel Appliances, Tankless Water Heater

DiningEat In Kitchen, Informal Dining Room, Kitchen/Dining Room, Living/Dining Room

AmenitiesKitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Porch, In-Ground Sprinkler, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special features3 BR on One Level

Exterior & lot

ExteriorStone, Vinyl

RoofAge 8 Years or Less, Architectural Shingle, Asphalt

FoundationPoured Concrete

Foundation area1,796 sqft

Patio/porchCovered, Front Porch

Lot featuresSod Included in Price

Road frontageCity Street, Curbs, Paved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener

Garage spaces3

Garage size618 sqft

Financial details

Annual taxes$1,134

Tax year2026

Taxes w/ assessments1134

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District728 - Elk River

District number728

District phone7632413400

High schoolElk River

SODL flat fee brokerage

$11,616Estimated buyer credit

SODL platform fee $3,000Your buyer credit $11,616

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

$2,817/mo

Principal & interest$2,560

Property taxes$95

Home insurance (est.)$162

Down payment

$97,438

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.