Listed at
$695,000
$254/sqft

Davis Mississippi Cove

12836 96th Street, Otsego, MN, 55330
4  Bedrooms3  Bathrooms2,732  Square Feet1.005  Acres
Days on market6
Year built2013
Garage spaces3
HOA / month$500
TypeResidential
Est. $17,850buyer credit when you buy with SODL
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About this home

This custom built 4 bed, 3 bath home with 3 car heated garage in the sought after Mississippi Cove neighborhood offers a meticulous blend of craftsmanship and design. Sitting on just over an acre with no neighbors across the street or to the south this home offers rare privacy, space and comfort. With main level living in mind this home has it all! From a main floor spacious primary bedroom with walk in closet and primary bathroom and steps away from main floor laundry. The open concept custom crafted kitchen, dining space and living room offers plenty of space for gathering and .entertaining. Drink your morning coffee from the spacious sunroom or step out onto the deck to catch amazing western sunsets.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2013
LevelsOne
Living area2,732 sqft
Above-grade finished1,632 sqft
Below-grade finished1,100 sqft
Lot size1.005 acres (190 x 250 x 157 x 248)
Days on market6
ListedSep 22, 2026
MLS #NST7148206
CountyWright
SubdivisionDavis Mississippi Cove
Parcel #118242001010

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Forced Air, Fireplace(s), In-Floor Heating
Cooling
Central Air
Appliances
Dishwasher, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
One
Garage
3 spaces · 25' x 35' · 875 sqft
Parking features
Attached Garage, Concrete, Finished Garage, Heated Garage, Insulated Garage
Exterior features
Aluminum Siding, Stone, Engineered Wood
Lot size
1.005 acres
Lot dimensions
190 x 250 x 157 x 248

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 1,512 sqft
Roof
Age Over 8 Years, Architectural Shingle
Year built
2013

Utilities

Water
4-Inch Submersible, Drilled
Sewer
Tank with Drainage Field
Fuel
Natural Gas
Electric
200+ Amp Service

Community & HOA

Subdivision
Davis Mississippi Cove
HOA
$500/annual
HOA name
Davis Mississippi Cove
HOA phone
7633500022
HOA includes
Shared Amenities
School district
728 - Elk River

Financial & listing details

Annual tax
$6,566 (2025)
Listed
Sep 22, 2026
Days on market
6 · 64 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementEgress Window(s), Finished, In-Floor Heat
HeatingForced Air, Fireplace(s), In-Floor Heating
CoolingCentral Air
Fireplaces1
LaundryLaundry Room, Main Level, Sink
AppliancesDishwasher, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningInformal Dining Room
AmenitiesDeck, Kitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, In-Ground Sprinkler, Sun Room
AccessibilityNone

Exterior & lot

ExteriorAluminum Siding, Stone, Engineered Wood
RoofAge Over 8 Years, Architectural Shingle
FoundationBlock
Foundation area1,512 sqft
Lot featuresCleared, Corner Lot
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible, Drilled
SewerTank with Drainage Field
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Heated Garage, Insulated Garage
Garage spaces3
Garage size875 sqft

Financial details

Annual taxes$6,566
Tax year2025
Taxes w/ assessments6566
Assessment pendingNo
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
$17,850Estimated buyer credit
SODL platform fee $3,000Your buyer credit $17,850

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

$4,931/mo
Principal & interest$3,653
Property taxes$547
Home insurance (est.)$232
HOA fees$500
%
$139,000
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

12836 96th Street, Otsego, MN, 55330

Listing information

MLS #NST7148206
StatusActive
Last updatedSep 23, 2026, 10:08 AM
Originally listedSep 22, 2026, 9:28 AM
Listing officeNorthland Sotheby's International Realty

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.