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6935 91st Cv S, Cottage Grove, MN, 55016

4beds
3baths
2,704sqft
$454,000
$168price/sqft
$3,287/moest. monthly cost
$131,480/yrincome needed

About This Home

Beautifully maintained and only six years old, this exceptional townhome offers the perfect blend of modern comfort, thoughtful design, and low-maintenance living-all with low HOA fees. The main level is designed for true one-level living, featuring three spacious bedrooms, a conveniently located laundry room and an open, inviting layout highlighted by granite countertops and quality finishes throughout. A standout feature is the sunroom with a beautiful gas fireplace, creating a warm, light-filled space ideal for relaxing year-round, with a walk-out to the back that enhances indoor-outdoor living. In addition to the main level, the home offers over 600 square feet of finished living space on the second level, perfect for a family room, home office, guest retreat, or hobby space-without the need for a basement. Completing the package is a 9' x 10' storage area in the garage, providing excellent functionality and organization. this home delivers comfort, flexibility and convenience in a well-cared-for, move-in ready setting that truly stands out.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

6/10
5/10
Oltman Middle SchoolGrades 6-82.5 mi
5/10
Park Senior High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 208.75
  • Dimensions: 12.5x16.7

Bedroom2

  • Level: Main
  • Area: 128.7
  • Dimensions: 11x11.7

Bedroom3

  • Level: Main
  • Area: 130.9
  • Dimensions: 11x11.9

Bedroom4

  • Level: Upper
  • Area: 206.7
  • Dimensions: 13x15.9

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper
  • Area: 272
  • Dimensions: 16x17

Dining Room

  • Level: Main
  • Area: 154
  • Dimensions: 11x14

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas,Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,704

Heating & Cooling

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

Interior Area

  • Total structure area: 2,704
  • Total interior livable area: 2,704 sqft

Kitchen

  • Level: Main
  • Area: 141.7
  • Dimensions: 13x10.9

Living Room

  • Level: Main
  • Area: 315
  • Dimensions: 15x21

Sun Room

  • Level: Main
  • Area: 184
  • Dimensions: 16 x 11.5

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1902721110163
  • Zoning description: Residential-Single Family
  • Foundation area: 2051

Features

  • Levels: Modified Two Story
  • Stories: 2

Lot

  • Lot size: 9,147 sqft
  • Features: Tree Coverage - Medium
  • Lot size dimensions: IRR

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $2,295$27,540
Home Insurance *$252$3,024
Property Taxes $512$6,144
Electricity $228$2,736
Total$3,287$39,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,697/yr
40% on housing$98,610/yr
45% on housing$87,653/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

$168This 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)

Price History

DateEventPrice
2026-05-13Price change$479,900
2026-04-13Price change$489,900
2026-02-03Price change$496,900
2026-01-06Listed for sale$500,000
2025-12-17Listing removed$500,000
2025-10-16Listed for sale$500,000
2025-05-14Listing removed$499,900
2025-05-11Listed for sale$499,900
2020-10-16Sold$397,900

For Sale by Agent

AgentStephen Omae
BrokerageKeller Williams Classic Realty

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