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 $4,126 (2026).

What school district is this property in?

This property is in the 761 - Owatonna school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property was listed for 36 days.

Sold / Closed

$332,375

Sold price · Closed Jul 29, 2026

$182/sqft

Mathews

655 20th Street NE, Owatonna, MN, 55060

4 Bedrooms2 Bathrooms1,806 Square Feet0.24 Acres

Days on market36

Year built1975

Garage spaces3

TypeResidential

Est. $6,870buyer credit when you buy with SODL

About this home

Care, pride, and a little love go a long way, and this home is proof. This well maintained and exceptionally clean split-level home offers the perfect blend of comfort, space, and functionality with 4 bedrooms and 2 bathrooms. The bright main living room features a beautiful bay window that fills the space with natural light, while the cozy lower level family room is highlighted by a warm gas fireplace, perfect for relaxing evenings at home. Step outside to enjoy the fenced backyard complete with a patio and deck, ideal for entertaining, grilling, or simply enjoying the outdoors. Situated on a desirable corner lot, this property also includes an attached 2 stall garage plus an additional detached 1 stall garage for extra storage, hobbies, or parking. With a roof that is only one year old, this move-in ready home has been thoughtfully cared for and is ready for its next owners to enjoy.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1975

LevelsSplit Entry (Bi-Level)

Living area1,806 sqft

Above-grade finished1,008 sqft

Below-grade finished798 sqft

Lot size0.24 acres (115 x 92)

Days on market36

ListedMay 19, 2026

MLS #NST7076369

CountySteele

SubdivisionMathews

Parcel #172420201

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 3 spaces · 796 sqft
Parking features: Attached Garage, Detached Garage, Concrete, Multiple Garages
Patio & porch: Composite Decking, Deck, Patio
Exterior features: Metal
Fencing: Chain Link

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 912 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1975

Utilities

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

Community & HOA

Subdivision: Mathews
HOA: No HOA
School district: 761 - Owatonna
High school district: Owatonna

Financial & listing details

Annual tax: $4,126 (2026)
Listed: May 19, 2026
Days on market: 36
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Sump Pump

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryIn Basement

AppliancesDishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningKitchen/Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Window, Patio, Washer/Dryer Hookup

AccessibilityNone

Exterior & lot

ExteriorMetal

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area912 sqft

Patio/porchComposite Decking, Deck, Patio

Lot featuresCorner Lot, Tree Coverage - Medium

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Detached Garage, Concrete, Multiple Garages

Garage spaces3

Garage size796 sqft

Financial details

Annual taxes$4,126

Tax year2026

Taxes w/ assessments4126

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District761 - Owatonna

District number761

District phone5074448610

High schoolOwatonna

SODL flat fee brokerage

$6,870Estimated buyer credit

SODL platform fee $3,000Your buyer credit $6,870

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

$2,183/mo

Principal & interest$1,729

Property taxes$344

Home insurance (est.)$110

Down payment

$65,800

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.