Does this property have an HOA?

Yes. The HOA fee is $410 per month.

What are the annual property taxes?

Annual property taxes are $4,820 (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 264 days.

Listed at

$460,000

$148/sqft

384 Valley Oaks Drive

384 Valley Oaks Drive, Winona, MN, 55987

4 Bedrooms3 Bathrooms3,104 Square Feet0.196 Acres

Days on market264

Year built2015

Garage spaces2

HOA / month$410

TypeResidential

Est. $10,800buyer credit when you buy with SODL

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About this home

Welcome home to this newer twin home in the sought-after Valley Oaks neighborhood, where comfort, style, and low-maintenance living come together. This spacious home offers 4 bedrooms and 3 full bathrooms, designed with an inviting open-concept layout perfect for everyday living and entertaining. The main level features a cozy gas fireplace, seamless flow between living, dining, and kitchen spaces, and the convenience of main floor laundry. Retreat to the large primary suite, complete with a walk-in closet and a private bath showcasing a double vanity. Step outside to the covered deck with ceiling fan—ideal for relaxing evenings or morning coffee, rain or shine. The finished lower level adds even more living space, including a dedicated theater room perfect for movie nights or game days. Enjoy the ease of association-maintained living with snow removal and lawn care included, giving you more time to enjoy your home and ease of making travel plans.

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Home facts

Property typeResidential

Property subtypeTwin Home

Year built2015

LevelsOne

Living area3,104 sqft

Above-grade finished1,617 sqft

Below-grade finished1,487 sqft

Lot size0.196 acres (50x171)

Days on market264

ListedJan 7, 2026

MLS #NST7003830

CountyWinona

Parcel #325140080

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Cooktop, Dishwasher, Dryer, Exhaust Fan, Range, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer

Property

Levels / stories: One
Garage: 2 spaces · 528 sqft
Parking features: Attached Garage
Patio & porch: Composite Decking, Covered, Deck, Front Porch
Lot size: 0.196 acres
Lot dimensions: 50x171

Construction

Property type: Residential
Property subtype: Twin Home
Foundation: 1,617 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2015

Utilities

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

Community & HOA

HOA: $410/quarter
HOA name: Dan Rivers
HOA phone: 5073133568
HOA includes: Lawn Care, Snow Removal
School district: Winona Area Public Schools

Financial & listing details

Annual tax: $4,820 (2025)
Listed: Jan 7, 2026
Days on market: 264 · 8 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementFinished

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryMain Level

AppliancesCooktop, Dishwasher, Dryer, Exhaust Fan, Range, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer

AmenitiesCable, Ceiling Fan(s), Deck, Kitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Paneled Doors, Porch, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityGrab Bars In Bathroom

Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

RoofAge 8 Years or Less, Asphalt

Foundation area1,617 sqft

Patio/porchComposite Decking, Covered, Deck, Front Porch

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage

Garage spaces2

Garage size528 sqft

Financial details

Annual taxes$4,820

Tax year2025

Taxes w/ assessments4820

Assessment pendingNo

HOA fee$410

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2306

District phone5074940861

High schoolWinona Area Public Schools

SODL flat fee brokerage

$10,800Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,800

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.

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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

$3,382/mo

Principal & interest$2,417

Property taxes$402

Home insurance (est.)$153

HOA fees$410

Down payment

$92,000

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.