Listed at
$797,947

Victor Gardens

4520 Cosette Lane, Hugo, MN, 55038
4  Bedrooms3  Bathrooms0.23  Acres
Days on market332
Year built2026
Garage spaces3
HOA / month$317
TypeResidential
Est. $20,938buyer credit when you buy with SODL
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About this home

Build your custom dream home in the sought-after Victor Gardens community in Hugo. This impressive two-story floor plan features a bright open-concept, an expansive four-bedroom layout, and a bonus room. Every detail of this home has been thoughtfully considered, offering a standard level of finish that other builders typically reserve for expensive upgrades. Exterior & Utility- Among the many things included are fully insulated 3-car garage, premium Hardie siding on all four sides, and durable, low-maintenance Trex decking on the front and side porches. You also have your choice of elegant black or white windows. Main Living Areas- Inside, the living spaces feature elite architectural enhancements such as a striking box vaulted ceiling with custom decorative wood beams, stained 4’ newel post with wrought iron spindled railings, luxury vinyl floors, and a dramatic floor-to-ceiling fireplace. Kitchen-The kitchen offers superior functionality and design with cabinets that extend all the way to the ceiling, beautiful 3 cm quartz countertops, a classic farmhouse sink, and a stylish wood exhaust hood. Bathrooms- The bathrooms are finished with quartz counters, and the primary bath includes a tile/glass shower and a separate soaking tub. See the supplements for a complete list of all the amazing included features and elite upgrades! This home can be personalized to your wishes! Please note that the displayed home is a past example and includes some additional upgrades. You'll love the location, situated directly across the street from Val Jean Park. Residents enjoy access to fantastic amenities, including a rec center, pool, trails, tennis courts, and parks!

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built2026
LevelsTwo
Living area0 sqft
Above-grade finished0 sqft
Below-grade finished0 sqft
Lot size0.23 acres (68x160x68x163)
Days on market332
ListedOct 31, 2025
New constructionYes
MLS #NST6804279
CountyWashington
SubdivisionVictor Gardens
Parcel #1903121320040

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
2 full / 1 1/4
Heating
Forced Air
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Humidifier, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories
Two
Garage
3 spaces · 23x34.3 · 788 sqft
Parking features
Attached Garage, Asphalt, Garage Door Opener, Insulated Garage
Pool
Below Ground, Outdoor Pool, Shared
Fencing
None
Lot size
0.23 acres

Construction

Property type
Residential
Property subtype
Single Family Residence
Construction materials
Fiber Cement
Foundation
1,096 sqft
Roof
Age 8 Years or Less, Architectural Shingle
Builder
PRAIRIE HOMES LIMITED LIABILITY COMPANY

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Electric
Circuit Breakers

Community & HOA

Subdivision
Victor Gardens
HOA
$317/quarter
HOA name
Associa MN
HOA phone
763-225-6400
HOA includes
Professional Mgmt, Recreation Facility, Trash, Shared Amenities
School district
White Bear Lake

Financial & listing details

Annual tax
$1,450 (2025)
Tax with assessments
1450.0000
Listed
Oct 31, 2025
Days on market
332 · 188 cumulative

Interior details

Total bathrooms3
Full baths2
3/4 baths0
Half baths0
1/4 baths1
BasementDrain Tiled, Egress Window(s), Concrete, Unfinished
HeatingForced Air
CoolingCentral Air
Fireplaces1
AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Humidifier, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned
AccessibilityNone

Exterior & lot

RoofAge 8 Years or Less, Architectural Shingle
Foundation area1,096 sqft
Lot featuresSome Trees
Road frontageCity Street, Sidewalks
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener, Insulated Garage
Garage spaces3
Garage size788 sqft

Financial details

Annual taxes$1,450
Tax year2025
Taxes w/ assessments1450.0000
Assessment pendingUnknown
HOA fee$317
Down payment resourceY
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number624
District phone651-407-7500
High schoolWhite Bear Lake
SODL flat fee brokerage
$20,938Estimated buyer credit
SODL platform fee $3,000Your buyer credit $20,938

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

$4,897/mo
Principal & interest$4,194
Property taxes$121
Home insurance (est.)$266
HOA fees$317
%
$159,589
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

4520 Cosette Lane, Hugo, MN, 55038

Listing information

MLS #NST6804279
StatusActive
Last updatedNov 4, 2025, 5:29 PM
Originally listedOct 31, 2025, 10:01 PM
Listing officeCounselor Realty, Inc.

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.