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9430 Hale Ave S, Cottage Grove, MN, 55016

3beds
2baths
1,799sqft
$400,000
$222price/sqft
$2,892/moest. monthly cost
$115,680/yrincome needed

About This Home

Welcome home to this well maintained three bedroom, two bathroom home. Featuring vaulted ceilings and an inviting open layout, the main level offers a bright and airy living space, along with two bedrooms and a full bathroom. Step outside from the dining room area onto the large low maintenance composite deck overlooking the fenced in backyard. The finished lower level expands your living space with a family room, a third bedroom, and a convenient three-quarter bathroom. Thoughtful updates throughout the home include new flooring on the main level, stairs, entryway, and lower level, a beautifully remodeled lower-level bathroom, a finished laundry room, six-panel solid oak doors throughout, soundproofing between the main and lower levels, and updated knockdown ceilings throughout. A whole home humidifier adds year-round comfort. Completing this home is a insulated and heated two car attached garage, a convenient 30-amp RV outlet on garage exterior, and a spacious 0.23 acre lot. Conveniently located to nearby parks and the Grey Cloud Dunes Scientific and Natural Area, you'll enjoy easy access to miles of scenic walking and biking trails. Shopping, dining, schools, and major commuter routes are also just minutes away! Additional home improvements include: Privacy fence installed in front and back (2018), new water heater (2018), new composite deck (2019), new furnace (2020), new water softener (2022), new concrete driveway with RV parking (2024), new roof (2025) Brand new lower-level bathroom (2026).

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
6/10
Oltman Middle SchoolGrades 6-82.8 mi
5/10
Park Senior High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

  • Level: Main
  • Area: 150
  • Dimensions: 15x10

Bedroom2

  • Level: Main
  • Area: 143
  • Dimensions: 11x13

Bedroom3

  • Level: Lower
  • Area: 150
  • Dimensions: 15x10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 80
  • Dimensions: 8x10

Family Room

  • Level: Lower
  • Area: 396
  • Dimensions: 18x22

Features

  • Finished area below ground: 857
  • Finished area above ground: 942

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,831
  • Total interior livable area: 1,799 sqft

Kitchen

  • Level: Main
  • Area: 100
  • Dimensions: 10x10

Living Room

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2002721230058
  • Zoning description: Residential-Single Family
  • Foundation area: 889

Features

  • Levels: Multi/Split
  • Patio & porch: Composite Decking,Deck
  • Fencing: Full

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 77 x 130

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Heated Garage,Insulated Garage,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Lightning
Winter Weather
Heat Wave
Inland Flooding

FEMA Declared Disasters in Washington County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,022$24,264
Home Insurance *$222$2,664
Property Taxes $478$5,736
Electricity $170$2,050
Total$2,892$34,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,154/yr
40% on housing$86,760/yr
45% on housing$77,120/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 55016$189
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55016$190
Washington County$201

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$400,000
2026-07-24Listed for sale$400,000
2013-07-01Sold$148,422
2012-10-01Sold$179,496
2012-06-15Price change$149,900
2012-05-07Listed for sale$159,900
2009-06-19Sold$181,300
2001-11-29Sold$172,500
2000-06-22Sold$146,500
AgentJocelyn Clark
BrokeragePemberton Realty

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