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 $4,561 (2025).

Does this home have a garage?

Yes, this home has a 1-car garage.

How long has this property been on the market?

This property was listed for 12 days.

Pending

$374,900

$203/sqft

Penn Lake Highlands

1706 W 86th Street, Bloomington, MN, 55431

4 Bedrooms2 Bathrooms1,848 Square Feet0.28 Acres

Days on market12

Year built1954

Garage spaces1

TypeResidential

Est. $8,247buyer credit when you buy with SODL

About this home

Move-in ready! Exceptional rambler with fully finished basement home has so much to offer! Updated kitchen and bathrooms (both freshly painted), abundant natural light, 3 bedrooms on one level + 1 lower level bedroom, 2 living spaces, and a fully-fenced backyard with new privacy fence (2023). The main floor features spacious living area with southern facing windows, dining space, easy access to backyard, and kitchen with stainless steel appliances (new dishwasher 2025), tile backsplash, and plenty of counter and cabinet space. Step outside to your serene backyard -- large 12x24, freshly stained deck, new wood privacy fence, well-manicured lawn (fresh high-quality grass seed (Fall 2025)), gorgeous perennials and landscaping, plus a dedicated fire pit area. The lower level includes a generous family room with flex space, egress windows for natural light, laundry room with ample storage and newer washer (2021), and a spacious bedroom with freshly painted walk-through bathroom with rainfall tiled shower. Furnace and A/C recently serviced and ducts cleaned in 2025. This prime Bloomington location provides convenient access to shopping, dining, parks, trails, and major highways. Move right in and enjoy!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1954

LevelsOne

Living area1,848 sqft

Above-grade finished1,040 sqft

Below-grade finished808 sqft

Lot size0.28 acres (75x163x75x168)

Days on market12

ListedNov 26, 2025

MLS #NST6822119

CountyHennepin

SubdivisionPenn Lake Highlands

Parcel #0402724340098

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories: One
Garage: 1 space · 20x15 · 280 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener
Patio & porch: Deck
Fencing: Full, Privacy, Wood
Lot size: 0.28 acres

Construction

Property type: Residential
Property subtype: Single Family Residence
Foundation: 1,040 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 1954

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 100 Amp Service

Community & HOA

Subdivision: Penn Lake Highlands
HOA: No HOA
School district: Bloomington

Financial & listing details

Annual tax: $4,561 (2025)
Listed: Nov 26, 2025
Days on market: 12
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Egress Window(s), Finished, Full, Storage Space, Tile Shower

HeatingForced Air

CoolingCentral Air

LaundryIn Basement, Gas Dryer Hookup, Lower Level, Laundry Room

AppliancesDishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

DiningEat In Kitchen, Informal Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Window, Paneled Doors, Tile Floors, Washer/Dryer Hookup

AccessibilityNone

Special features3 BR on One Level

Exterior & lot

RoofAge Over 8 Years, Asphalt

Foundation area1,040 sqft

Patio/porchDeck

Lot featuresTree Coverage - Medium

Road frontageCity Street, Curbs, Paved Streets, Sidewalks, Street Lights

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 spaces1

Garage size280 sqft

Financial details

Annual taxes$4,561

Tax year2025

Taxes w/ assessments4561

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1227

District phone9526816400

High schoolBloomington

SODL flat fee brokerage

$8,247Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,247

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

$2,475/mo

Principal & interest$1,970

Property taxes$380

Home insurance (est.)$125

Down payment

$74,980

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.