Pending
$575,000
$174/sqft

Mississippi Dunes Estates 4th

9635 Dunes Lane, Cottage Grove, MN, 55016
4  Bedrooms4  Bathrooms3,312  Square Feet0.32  Acres
Days on market66
Year built2014
Garage spaces3
HOA / month$53
TypeResidential
Est. $14,250buyer credit when you buy with SODL

About this home

Beautifully updated and thoughtfully finished from top to bottom, this 4-bedroom, 4-bath Cottage Grove home stands out with its modern style, functional upgrades, and a fully finished basement completed with stunning craftsmanship. The main level features hardwood floors, a bright living room with a white-washed fireplace, upgraded lighting, and a refreshed office with custom built-ins. The kitchen offers granite countertops and updated fixtures, while the reimagined laundry room adds convenience with added cabinetry and workspace. Upstairs, you’ll find a spacious primary suite with a tray ceiling and stylish shiplap accent wall, along with additional bedrooms featuring updated fans and design-forward focal walls. The newly finished lower level provides fantastic extra living space, complete with an added bathroom and durable LVP flooring. The outdoor spaces are just as impressive: enjoy a large stamped-concrete patio, expanded fire pit area, and 20 newly planted Emerald Green Arborvitae providing privacy. Permanent Govee exterior lighting adds year-round charm and curb appeal. Located in a desirable neighborhood with walking trails and easy access to parks, this move-in-ready home offers a perfect blend of updates, style, and functional living.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built2014
LevelsTwo
Living area3,312 sqft
Above-grade finished2,485 sqft
Below-grade finished827 sqft
Lot size0.32 acres (78x146x80x36x140)
Days on market66
ListedJan 8, 2026
MLS #NST6823935
CountyWashington
SubdivisionMississippi Dunes Estates 4th
Parcel #1902721410075

Facts & features

Interior

Bedrooms
4
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Cooktop, Dishwasher, Dryer, Exhaust Fan, Water Filtration System, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories
Two
Garage
3 spaces · 29x21 · 617 sqft
Parking features
Attached Garage, Asphalt, Driveway - Other Surface, Garage Door Opener
Fencing
Chain Link
Lot size
0.32 acres
Lot dimensions
78x146x80x36x140

Construction

Property type
Residential
Property subtype
Single Family Residence
Foundation
1,096 sqft
Roof
Age 8 Years or Less
Year built
2014

Utilities

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

Community & HOA

Subdivision
Mississippi Dunes Estates 4th
HOA
$53/annual
HOA name
Omega Property Management
HOA phone
7634499100
HOA includes
Professional Mgmt
School district
South Washington County

Financial & listing details

Annual tax
$6,908 (2025)
Listed
Jan 8, 2026
Days on market
66
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementDrain Tiled, Egress Window(s), Full, Storage Space, Unfinished
HeatingForced Air
CoolingCentral Air
Fireplaces1
AppliancesCooktop, Dishwasher, Dryer, Exhaust Fan, Water Filtration System, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned
DiningKitchen/Dining Room
AmenitiesDeck, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Porch, In-Ground Sprinkler, Vaulted Ceiling(s), Washer/Dryer Hookup
AccessibilityNone
Special features4 BR on One Level, Main Floor Laundry

Exterior & lot

RoofAge 8 Years or Less
Foundation area1,096 sqft
Lot featuresTree Coverage - Light
Road frontageCurbs, Paved Streets, Private Road, Street Lights
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Driveway - Other Surface, Garage Door Opener
Garage spaces3
Garage size617 sqft

Financial details

Annual taxes$6,908
Tax year2025
Taxes w/ assessments6908
Assessment pendingNo
HOA fee$53
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2290
District phone6514256300
High schoolSouth Washington County
SODL flat fee brokerage
$14,250Estimated buyer credit
SODL platform fee $3,000Your buyer credit $14,250

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

$3,842/mo
Principal & interest$3,022
Property taxes$576
Home insurance (est.)$192
HOA fees$53
%
$115,000
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.

Location

9635 Dunes Lane, Cottage Grove, MN, 55016

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Listing information

MLS #NST6823935
StatusPending
Last updatedMar 16, 2026, 2:41 PM
Originally listedJan 9, 2026, 12:00 AM
Listing officePemberton RE

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.