Listed at
$582,500
$214/sqft

Mississippi Dunes Estates Fifth Add

6642 96th Street S, Cottage Grove, MN, 55016
5  Bedrooms3  Bathrooms2,717  Square Feet0.253  Acres
Days on market0
Year built2020
Garage spaces3
HOA / month$125
TypeResidential
Est. $14,475buyer credit when you buy with SODL
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About this home

Mississippi River Valley views set the scene for this beautiful newer-construction home, perfectly positioned on a premium lot in sought-after Mississippi Dunes. With a private, peaceful setting overlooking the valley, the backyard feels like a true oasis while still offering all the benefits of a fantastic neighborhood. Inside, natural light fills the bright, open living spaces, with a gorgeous kitchen at the heart of the home, a dedicated coffee bar, beautiful dining area and comfortable spaces for both everyday living and entertaining. With five bedrooms and three baths, the thoughtfully designed layout offers plenty of room to spread out. The private primary suite is tucked away over the garage, creating a retreat of its own while remaining conveniently close to two additional bedrooms. Downstairs, the finished walkout lower level adds a family room, two more bedrooms, an additional bath, and is plumbed for a bar, creating even more flexibility for everyday living and entertaining. Outside is where this property truly shines. A large maintenance-free Trex deck overlooks the fully fenced yard and Mississippi River Valley beyond, creating an incredible backdrop for morning coffee, summer dinners or quiet evenings at home. A two-tier concrete patio and hot tub add even more space to relax and enjoy the setting, while permanent exterior lighting keeps the outdoor spaces inviting after sunset. A heated and insulated three-car garage, powered 10x12 storage shed and irrigation system round out the home’s many features. From the beautiful interior and versatile five-bedroom layout to the privacy, views and exceptional outdoor spaces, this Mississippi Dunes home offers a setting that feels truly special. Come experience it for yourself.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2020
LevelsFour or More Level Split
Living area2,717 sqft
Above-grade finished1,683 sqft
Below-grade finished1,034 sqft
Lot size0.253 acres (0)
Days on market0
ListedOct 6, 2026
MLS #NST7153953
CountyWashington
SubdivisionMississippi Dunes Estates Fifth Add
Parcel #1902721420054

Facts & features

Interior

Bedrooms
5
Bathrooms
3
Bath breakdown
3 full
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Disposal, Dryer, Microwave, Other, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
Four or More Level Split
Garage
3 spaces · 27.8x25.3 · 727 sqft
Parking features
Attached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch
Composite Decking, Covered, Deck, Front Porch, Patio
Exterior features
Stone, Vinyl
Fencing
Full

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Poured Concrete · 1,120 sqft
Roof
Age 8 Years or Less, Architectural Shingle, Pitched
Year built
2020

Utilities

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

Community & HOA

Subdivision
Mississippi Dunes Estates Fifth Add
HOA
$125/annual
HOA name
HOA Assist
HOA phone
8559528222
HOA includes
Shared Amenities
School district
833 - South Washington County

Financial & listing details

Annual tax
$5,935 (2026)
Tax with assessments
5988
Listed
Oct 6, 2026
Days on market
0
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths3
3/4 baths0
Half baths0
1/4 baths0
BasementFinished, Full, Walkout
HeatingForced Air
CoolingCentral Air
LaundryGas Dryer Hookup, Lower Level, In Unit, Washer Hookup
AppliancesDishwasher, Disposal, Dryer, Microwave, Other, Range, Refrigerator, Washer, Water Softener Owned
DiningKitchen/Dining Room
AmenitiesDeck, Hardwood Floors, Hot Tub, Kitchen Center Island, Patio, Porch, In-Ground Sprinkler, Vaulted Ceiling(s), Washer/Dryer Hookup
AccessibilityNone
Special featuresMain Floor Bedroom, Primary Bdr Suite

Exterior & lot

ExteriorStone, Vinyl
RoofAge 8 Years or Less, Architectural Shingle, Pitched
FoundationPoured Concrete
Foundation area1,120 sqft
Patio/porchComposite Decking, Covered, Deck, Front Porch, Patio
Lot featuresTree Coverage - Medium
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage
Garage spaces3
Garage size727 sqft

Financial details

Annual taxes$5,935
Tax year2026
Taxes w/ assessments5988
Assessment pendingNo
HOA fee$125
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District833 - South Washington County
District number833
District phone6514256300
High schoolSouth Washington County
SODL flat fee brokerage
$14,475Estimated buyer credit
SODL platform fee $3,000Your buyer credit $14,475

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

$3,875/mo
Principal & interest$3,061
Property taxes$495
Home insurance (est.)$194
HOA fees$125
%
$116,500
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

6642 96th Street S, Cottage Grove, MN, 55016

Listing information

MLS #NST7153953
StatusActive
Last updatedOct 9, 2026, 10:09 AM
Originally listedOct 9, 2026, 12:00 AM
Listing officeEXP Realty, 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.