Sold / Closed
$810,000

Sold price · Closed Aug 14, 2026

$249/sqft

Davis Mississippi Cove 2nd Add

12822 96th Street NE, Otsego, MN, 55330
3  Bedrooms3  Bathrooms3,307  Square Feet1.018  Acres
Days on market54
Year built2016
Garage spaces4
HOA / month$500
TypeResidential
Est. $21,750buyer credit when you buy with SODL

About this home

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.

Contact us

Home facts

Property typeResidential
Property subtypeSingle Family
Year built2016
LevelsOne
Living area3,307 sqft
Above-grade finished1,789 sqft
Below-grade finished1,518 sqft
Lot size1.018 acres (257x176x256x169)
Days on market54
ListedMar 12, 2026
MLS #NST7021068
CountyWright
SubdivisionDavis Mississippi Cove 2nd Add
Parcel #118247003130

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Forced Air, Fireplace(s), Zoned
Cooling
Central Air, Dual
Appliances
Air-To-Air Exchanger, Cooktop, Dishwasher, Double Oven, Dryer, Exhaust Fan, Gas Water Heater, Water Osmosis System, Iron Filter, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
4 spaces · 44x25 · 1,100 sqft
Parking features
Attached Garage, Concrete, Garage Door Opener, Heated Garage, Insulated Garage, Multiple Garages, RV Access/Parking
Patio & porch
Composite Decking, Deck, Patio
Exterior features
Stone, Cement Board
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Foundation
8 ft+ Pour · 1,789 sqft
Roof
Asphalt
Year built
2016

Utilities

Water
Private
Sewer
Septic System Compliant - Yes
Fuel
Natural Gas
Electric
200+ Amp Service

Community & HOA

Subdivision
Davis Mississippi Cove 2nd Add
HOA
$500/annual
HOA name
Davis Mississippi Cove
HOA phone
7633500022
HOA includes
Other
School district
728 - Elk River

Financial & listing details

Annual tax
$8,047.82 (2025)
Tax with assessments
8092
Listed
Mar 12, 2026
Days on market
54
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementDaylight/Lookout Windows, Drain Tiled, Egress Window(s), Finished, Full, Storage Space, Sump Basket, Tile Shower, Walkout
HeatingForced Air, Fireplace(s), Zoned
CoolingCentral Air, Dual
Fireplaces2
LaundryLaundry Room, Main Level, Sink
AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Double Oven, Dryer, Exhaust Fan, Gas Water Heater, Water Osmosis System, Iron Filter, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned
DiningBreakfast Bar, Informal Dining Room, Kitchen/Dining Room, Separate/Formal Dining Room
AmenitiesBalcony, Ceiling Fan(s), Deck, Hardwood Floors, Indoor Sprinklers, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Tile Floors, Vaulted Ceiling(s), Wet Bar, 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, Cement Board
RoofAsphalt
Foundation8 ft+ Pour
Foundation area1,789 sqft
Patio/porchComposite Decking, Deck, Patio
Lot featuresCorner Lot, Tree Coverage - Light
ZoningResidential-Single Family

Utilities

Water sourcePrivate
SewerSeptic System Compliant - Yes
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener, Heated Garage, Insulated Garage, Multiple Garages, RV Access/Parking
Garage spaces4
Garage size1,100 sqft

Financial details

Annual taxes$8,047.82
Tax year2025
Taxes w/ assessments8092
Assessment pendingYes
HOA fee$500
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District728 - Elk River
District number728
District phone7632413400
High schoolElk River
SODL flat fee brokerage
$21,750Estimated buyer credit
SODL platform fee $3,000Your buyer credit $21,750

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

$5,781/mo
Principal & interest$4,336
Property taxes$671
Home insurance (est.)$275
HOA fees$500
%
$165,000
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.

Location

12822 96th Street NE, Otsego, MN, 55330

Listing information

MLS #NST7021068
StatusClosed
Last updatedAug 17, 2026, 4:00 PM
Originally listedMar 16, 2026, 12:00 AM
Listing officeEngel & Volkers Minneapolis
Co-listing officeEngel & Volkers Minneapolis

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.