Does this property have an HOA?

Yes. The HOA fee is $120 per month.

What are the annual property taxes?

Annual property taxes are $3,408 (2025).

What school district is this property in?

This property is in the 861 - Winona Area Public Schools 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 37 days.

Listed at

$300,000

$136/sqft

97 Rivers Lane

97 Rivers Lane, Winona, MN, 55987

3 Bedrooms2 Bathrooms2,200 Square Feet0.04 Acres

Days on market37

Year built1996

Garage spaces2

HOA / month$120

TypeResidential

Est. $6,000buyer credit when you buy with SODL

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About this home

Lovely well cared for 3-bed, 2 bath townhouse in Valley Oaks overlooking ball field and horse ranch. Enjoy the simple life with lots of activity outside. Newer main floor bath with walk in shower, driveway was just replaced, newer patio sliders and more. $120/mo association fee (garbage, lawn and snow). Owner pays interior and exterior insurance.

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built1996

LevelsOne

Living area2,200 sqft

Above-grade finished1,200 sqft

Below-grade finished1,000 sqft

Lot size0.04 acres (30x68)

Days on market37

ListedApr 6, 2026

MLS #NST7050592

CountyWinona

Parcel #325280040

Facts & features

Interior

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

Property

Levels / stories: One
Garage: 2 spaces · 20x20 · 400 sqft
Parking features: Attached Garage, Concrete, Guest Parking
Patio & porch: Patio
Exterior features: Vinyl
Fencing: None

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Construction materials: Frame
Foundation: Other · 1,200 sqft
Roof: Age 8 Years or Less
Year built: 1996

Utilities

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

Community & HOA

HOA: $120/month
HOA name: Nancy D
HOA phone: 5074587595
HOA includes: Lawn Care, Sanitation, Snow Removal
School district: 861 - Winona Area Public Schools
High school district: Winona Area Public Schools

Financial & listing details

Annual tax: $3,408 (2025)
Tax with assessments: 3436
Listed: Apr 6, 2026
Days on market: 37 · 1 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementEgress Window(s), Concrete, Partially Finished, Storage Space, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Main Level, Washer Hookup

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

DiningBreakfast Bar, Kitchen/Dining Room, Living/Dining Room

AmenitiesDeck, Kitchen Center Island, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Patio, Panoramic View, Vaulted Ceiling(s), Washer/Dryer Hookup

AccessibilityGrab Bars In Bathroom

Special featuresMain Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less

FoundationOther

Foundation area1,200 sqft

Patio/porchPatio

Lot featuresTree Coverage - Light

Road frontagePrivate Road

Road responsibilityPrivate Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Guest Parking

Garage spaces2

Garage size400 sqft

Financial details

Annual taxes$3,408

Tax year2025

Taxes w/ assessments3436

Assessment pendingYes

HOA fee$120

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District861 - Winona Area Public Schools

District number861

District phone5074940861

High schoolWinona Area Public Schools

SODL flat fee brokerage

$6,000Estimated buyer credit

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

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

$2,081/mo

Principal & interest$1,577

Property taxes$284

Home insurance (est.)$100

HOA fees$120

Down payment

$60,000

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.