Does this property have an HOA?

Yes. The HOA fee is $150 per month.

What are the annual property taxes?

Annual property taxes are $5,862 (2025).

What school district is this property in?

This property is in the 534 - Stewartville school district.

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 419 days.

Listed at

$420,000

$271/sqft

Bear Cave Estates

510 Kodiak Drive, Stewartville, MN, 55976

3 Bedrooms2 Bathrooms1,550 Square Feet0.16 Acres

Days on market419

Year built2023

Garage spaces2

HOA / month$150

TypeResidential

Est. $9,600buyer credit when you buy with SODL

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About this home

Priced Below Cost to Build—Move-In Ready & Available Now Why wait to build when this 2023, one-owner zero-entry ranch is fully finished and ready—at a better price? This 3-bedroom, 2-bath home offers true one-level living with an open layout, upgraded kitchen featuring granite countertops, stainless steel appliances, soft-close cabinetry, and an upgraded range. The private primary suite includes a walk-in closet, double sinks, and a tiled walk-in shower. Major value adds: washer, dryer, upgraded stove, water softener, landscaping, and window treatments already complete—plus the home and oversized 24x28 garage are plumbed for in-floor heat. Enjoy peaceful pond and wooded views, low-maintenance living with HOA lawn care and snow removal, and a highly active neighborhood with regular gatherings. Just minutes to the golf course Only 10 miles to Rochester with nearby trails and recreation Skip the build, skip the extra costs—this one is ready now and priced to move.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2023

LevelsOne

Living area1,550 sqft

Above-grade finished1,550 sqft

Below-grade finished0 sqft

Lot size0.16 acres (57x123)

Days on market419

ListedAug 4, 2025

MLS #NST6766230

CountyOlmsted

SubdivisionBear Cave Estates

Parcel #543312086947

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Cooktop, Disposal, Dryer, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 2 spaces · 24x28 · 672 sqft
Parking features: Attached Garage, Concrete, Insulated Garage
Patio & porch: Front Porch
Exterior features: Stone, Vinyl
Waterfront: Pond

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Concrete
Foundation: Slab · 1,550 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2023

Utilities

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

Community & HOA

Subdivision: Bear Cave Estates
HOA: $150/month
HOA name: Bear Cave Estates Homeowners Association, Inc.
HOA phone: 5075336484
HOA includes: Lawn Care, Snow Removal
School district: 534 - Stewartville

Financial & listing details

Annual tax: $5,862 (2025)
Listed: Aug 4, 2025
Days on market: 419 · 390 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

AppliancesAir-To-Air Exchanger, Cooktop, Disposal, Dryer, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

DiningBreakfast Bar, Informal Dining Room, Kitchen/Dining Room

AmenitiesCeiling Fan(s), Kitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Other, Paneled Doors, Porch, Panoramic View

AccessibilityFully Wheelchair, No Stairs External, No Stairs Internal, Roll-In Shower

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Vinyl

RoofAge 8 Years or Less, Asphalt

FoundationSlab

Foundation area1,550 sqft

Patio/porchFront Porch

Road frontageCity Street, Curbs, Sidewalks, Street Lights

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Insulated Garage

Garage spaces2

Garage size672 sqft

Financial details

Annual taxes$5,862

Tax year2025

Taxes w/ assessments5862

Assessment pendingNo

HOA fee$150

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District534 - Stewartville

District number534

District phone5075331438

High schoolStewartville

SODL flat fee brokerage

$9,600Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,600

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

$2,986/mo

Principal & interest$2,207

Property taxes$489

Home insurance (est.)$140

HOA fees$150

Down payment

$84,000

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.