
Mississippi Pines
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
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
Exterior & lot
Utilities
Parking & garage
Financial details
Schools
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
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
Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.
