Listed at
$699,900
$203/sqft

Tributary Xing 2nd Add

4949 Otter Trail, Saint Michael, MN, 55376
5  Bedrooms4  Bathrooms3,446  Square Feet0.499  Acres
Days on market80
Year built2018
Garage spaces3
HOA / month$104
TypeResidential
Est. $17,997buyer credit when you buy with SODL
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About this home

Beautiful rambler-style home on a spacious lot with peaceful pond views in the desirable Tributary Crossing on Foster Lake community! Located across from Fox Hollow Golf Course with convenient golf cart access through a private tunnel. Designed for comfortable one-level living, the open and bright main floor features a gourmet kitchen, fireplace, flex/office space, main level laundry, private owner’s suite, and an additional bedroom with nearby full bath. A separate upper-level loft, bedroom, and full bathroom offer great flexibility for guests or additional living space. The finished walkout lower level includes a large family room, two additional bedrooms, full bath, and generous storage space with custom shelving. Enjoy Minnesota living through every season with scenic pond views and neighborhood recreation opportunities, including winter hockey and skating on nearby ponds. Community amenities include outdoor gathering spaces, shared dock and fishing platform, heated pool, scenic water features, and nearby parks and trails. Open enrollment options are also available for St. Michael-Albertville Schools.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2018
LevelsOne
Living area3,446 sqft
Above-grade finished2,212 sqft
Below-grade finished1,234 sqft
Lot size0.499 acres (63x352x120x271)
Days on market80
ListedJul 10, 2026
MLS #NST7107690
CountyWright
SubdivisionTributary Xing 2nd Add
Parcel #114340003070

Facts & features

Interior

Bedrooms
5
Bathrooms
4
Bath breakdown
4 full
Heating
Forced Air
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
3 spaces · 29'3" x 22'8" · 628 sqft
Parking features
Attached Garage
Exterior features
Stone, Vinyl
Pool
Shared
Fencing
Electric

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 1,954 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
2018

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
Tributary Xing 2nd Add
HOA
$104/month
HOA name
RowCal
HOA phone
6513621570
HOA includes
Dock, Professional Mgmt, Sanitation, Shared Amenities
School district
728 - Elk River

Financial & listing details

Annual tax
$7,980 (2025)
Listed
Jul 10, 2026
Days on market
80 · 56 cumulative
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths4
3/4 baths0
Half baths0
1/4 baths0
BasementFinished, Full, Walkout
HeatingForced Air
CoolingCentral Air
Fireplaces1
AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningInformal Dining Room
AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Paneled Doors, Porch, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Walk-In Closet
AccessibilityNone
Special featuresAll Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorStone, Vinyl
RoofAge 8 Years or Less, Asphalt
FoundationBlock
Foundation area1,954 sqft
Road frontageCity Street
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage
Garage spaces3
Garage size628 sqft

Financial details

Annual taxes$7,980
Tax year2025
Taxes w/ assessments7980
Assessment pendingNo
HOA fee$104
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District728 - Elk River
District number728
District phone7632413400
High schoolElk River
SODL flat fee brokerage
$17,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $17,997

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

$4,681/mo
Principal & interest$3,678
Property taxes$665
Home insurance (est.)$233
HOA fees$104
%
$139,980
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.

Location

4949 Otter Trail, Saint Michael, MN, 55376

Listing information

MLS #NST7107690
StatusActive
Last updatedSep 29, 2026, 3:05 AM
Originally listedJul 10, 2026, 1:30 PM
Listing officeReal Broker, LLC
Co-listing officeReal Broker, LLC

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.