Pending
$599,900
$203/sqft

Mississippi Pines

9928 James Avenue NE, Otsego, MN, 55362
4  Bedrooms4  Bathrooms2,950  Square Feet1  Acres
Days on market37
Year built2001
Garage spaces3
HOA / month$242
TypeResidential
Est. $14,997buyer credit when you buy with SODL

About this home

Spacious and beautifully maintained 4-bedroom, 4-bath home in Otsego offering comfort, flexibility, and a truly scenic setting. Nestled on a park-like lot, this property features a walkout basement with two separate entrances, multiple outdoor living spaces—including a deck off the main level and a private deck from the upper-level primary suite—and plenty of room to live, work, and entertain. Inside, you’ll find a versatile layout with two separate family rooms, a main-floor office or bedroom, and a basement game room complete with a convenient kitchenette—ideal for guests, hobbies, or multi-generational living. The kitchen showcases granite countertops, ceramic backsplash, and updated fixtures, while the home offers a blend of hardwood, laminate, and carpet flooring throughout. Recent improvements provide peace of mind, including a new roof (Sept. 2025), compliant septic inspection and pumping (2025), driveway seal coating (2025), new water softener (2023), furnace motor replacement (2026), and numerous appliance and mechanical updates over the years. Additional upgrades include updated lighting, iron filter, garage heater, insulated garage ceiling, and a new garage door opener. The heated and insulated garage with 8 foot garage doors adds year-round functionality. Outdoors, enjoy a 10-zone in-ground sprinkler system and easy access to Lilly Pond Park at the neighborhood entrance, along with walking trails that wind through the community and along the Mississippi River. This home combines thoughtful updates, generous living spaces, and a beautiful natural setting—ready to enjoy for years to come.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2001
LevelsModified Two Story
Living area2,950 sqft
Above-grade finished1,969 sqft
Below-grade finished981 sqft
Lot size1 acres (190x242x188x237)
Days on market37
ListedFeb 19, 2026
MLS #NST7018616
CountyWright
SubdivisionMississippi Pines
Parcel #118164014060

Facts & features

Interior

Bedrooms
4
Bathrooms
4
Bath breakdown
4 full
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Microwave, Range, Refrigerator, Stainless Steel Appliances

Property

Levels / stories
Modified Two Story
Garage
3 spaces · 717 sqft
Parking features
Attached Garage
Patio & porch
Deck
Lot size
1 acres
Lot dimensions
190x242x188x237

Construction

Property type
Residential
Property subtype
Single Family
Foundation
1,251 sqft
Roof
Age 8 Years or Less, Asphalt, Pitched
Year built
2001

Utilities

Water
Private, Well
Sewer
Private Sewer, Tank with Drainage Field
Fuel
Natural Gas
Electric
200+ Amp Service

Community & HOA

Subdivision
Mississippi Pines
HOA
$242/annual
HOA name
Mississippi Pines
HOA phone
7632956842
HOA includes
Shared Amenities
School district
Monticello

Financial & listing details

Annual tax
$4,316 (2025)
Listed
Feb 19, 2026
Days on market
37 · 140 cumulative
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths4
3/4 baths0
Half baths0
1/4 baths0
BasementFinished
HeatingForced Air
CoolingCentral Air
Fireplaces2
AppliancesDishwasher, Microwave, Range, Refrigerator, Stainless Steel Appliances
DiningInformal Dining Room, Separate/Formal Dining Room
AccessibilityNone

Exterior & lot

RoofAge 8 Years or Less, Asphalt, Pitched
Foundation area1,251 sqft
Patio/porchDeck
ZoningResidential-Single Family

Utilities

Water sourcePrivate, Well
SewerPrivate Sewer, Tank with Drainage Field
FuelNatural Gas

Parking & garage

ParkingAttached Garage
Garage spaces3
Garage size717 sqft

Financial details

Annual taxes$4,316
Tax year2025
Taxes w/ assessments4316
Assessment pendingNo
HOA fee$242
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2318
District phone7632722000
High schoolMonticello
SODL flat fee brokerage
$14,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $14,997

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

$3,954/mo
Principal & interest$3,153
Property taxes$360
Home insurance (est.)$200
HOA fees$242
%
$119,980
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

9928 James Avenue NE, Otsego, MN, 55362

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Listing information

MLS #NST7018616
StatusPending
Last updatedMar 29, 2026, 9:34 PM
Originally listedFeb 20, 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.