Does this property have an HOA?

Yes. The HOA fee is $165 per month.

What are the annual property taxes?

Annual property taxes are $4,543 (2025).

What school district is this property in?

This property is in the 833 - South Washington County 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 73 days.

Listed at

$384,000

$184/sqft

Settlers Bluff

6870 102nd Street, Cottage Grove, MN, 55016

3 Bedrooms3 Bathrooms2,087 Square Feet0.11 Acres

Days on market73

Year built2021

Garage spaces2

HOA / month$165

TypeResidential

Est. $8,520buyer credit when you buy with SODL

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About this home

Better than new and move-in ready! This beautifully updated home offers a bright, open floor plan, flexible living spaces, and low-maintenance association living. Recent upgrades include laminate flooring throughout, faux-wood slat blinds, and custom improvements to the walk-in pantry and laundry room. The main level features a spacious living room with a stone-surround gas fireplace, sun-filled dining area, and sliding doors to the concrete patio. The stylish kitchen includes Corian countertops, white cabinetry, stainless steel appliances, gas range, subway-tile backsplash, oversized island, and an impressive walk-in pantry with custom shelving and workspace. Upstairs, the vaulted owner's suite includes a large walk-in closet and private bath with double sinks. Two additional bedrooms, a full bath, upgraded laundry room, and versatile loft provide plenty of space for an office, playroom, fitness area, or second living space. Enjoy overhead garage storage plus association-maintained lawn care, snow removal, irrigation, trash, and recycling. Conveniently located near parks, trails, shopping, dining, Cottage Grove, and Woodbury. Quick closing possible — move in and start enjoying it right away!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2021

LevelsTwo

Living area2,087 sqft

Above-grade finished2,087 sqft

Below-grade finished0 sqft

Lot size0.11 acres (40 x 120)

Days on market73

ListedJul 17, 2026

MLS #NST7104145

CountyWashington

SubdivisionSettlers Bluff

Parcel #3002721110031

Facts & features

Interior

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

Property

Levels / stories: Two
Garage: 2 spaces · 450 sqft
Parking features: Attached Garage, Insulated Garage
Patio & porch: Covered, Front Porch, Patio
Exterior features: Stone, Fiber Board, Vinyl
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Concrete
Foundation: Slab · 927 sqft
Roof: Age 8 Years or Less
Year built: 2021

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 200+ Amp Service, Other

Community & HOA

Subdivision: Settlers Bluff
HOA: $165/month
HOA name: Gassen
HOA phone: 9529225575
HOA includes: Lawn Care, Other, Professional Mgmt, Snow Removal
School district: 833 - South Washington County

Financial & listing details

Annual tax: $4,543 (2025)
Tax with assessments: 4598
Listed: Jul 17, 2026
Days on market: 73
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths1

Half baths1

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Upper Level

AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningKitchen/Dining Room, Living/Dining Room

AmenitiesCeiling Fan(s), Kitchen Center Island, Primary Bedroom Walk-In Closet, Other, Patio, Paneled Doors, Porch, In-Ground Sprinkler, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNo Stairs External

Special features2nd Floor Laundry, 3 BR on One Level, Primary Bdr Suite

Exterior & lot

ExteriorStone, Fiber Board, Vinyl

RoofAge 8 Years or Less

FoundationSlab

Foundation area927 sqft

Patio/porchCovered, Front Porch, Patio

Lot featuresTree Coverage - Light

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Insulated Garage

Garage spaces2

Garage size450 sqft

Financial details

Annual taxes$4,543

Tax year2025

Taxes w/ assessments4598

Assessment pendingNo

HOA fee$165

Down payment resourceYes

Lender ownedNot Disclosed

Short saleNo

ForeclosureNo

Schools

District833 - South Washington County

District number833

District phone6514256300

High schoolSouth Washington County

SODL flat fee brokerage

$8,520Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,520

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

$2,690/mo

Principal & interest$2,018

Property taxes$379

Home insurance (est.)$128

HOA fees$165

Down payment

$76,800

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.