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16837 58th St NE, Otsego, MN, 55330

5beds
4baths
3,569sqft
$655,000
$184price/sqft
$4,904/moest. monthly cost
$196,160/yrincome needed

About This Home

Stunning newer construction home in Otsego with no HOA and an exceptional layout designed for both everyday living and entertaining. Highlights include a heated 4-car epoxy garage, main-level bedroom, four bedrooms on the upper level, and a massive maintenance-free deck. The thoughtfully designed main floor features a welcoming foyer, private home office, open-concept living and dining spaces, vaulted sunroom, full bath, guest bedroom, and convenient mudroom. The gourmet kitchen is beautifully appointed with a large center island, quartz countertops, soft-close cabinetry, tiled backsplash, stainless steel appliances, coffee bar, and walk-in pantry. The spacious living room flows seamlessly into the dining area, sunroom, and deck—making it the perfect setting for hosting holidays, gatherings, and celebrations. Upstairs, you’ll find four generously sized bedrooms, three full bathrooms, a sitting area, and upper-level laundry. The expansive primary suite is a true retreat, offering vaulted ceilings, a spacious 14x18 layout, and a luxurious ensuite bath complete with dual quartz sink, a large walk-in tiled shower, 6-foot soaking tub, private water closet, and an impressive 18-foot walk-in closet. All three additional upper-level bedrooms also feature walk-in closets. The walkout lower level provides endless possibilities for future expansion, storage, or recreation. Easily add a sixth bedroom, fifth bathroom, and additional family room—or simply enjoy the abundant storage/kids play area space as-is. Thanks to the southern-facing backyard exposure, the lower level is filled with natural light throughout the day. Additional upgrades include a stone mantel gas fireplace, 4-inch baseboards, Ring doorbell and security cameras, professionally installed Graber window shades, ceiling fans in every bedroom, and TV/ethernet wiring throughout. Outside, enjoy a widened driveway for extra parking, charming front porch, in-ground irrigation system, gutters, gated deck staircase, and a 10x14 Tuff Shed for additional storage. Located in a quiet, growing community less than 10 minutes from I-94 and only 30 minutes to the Twin Cities, this home offers the perfect blend of comfort, convenience, and modern living. A beautiful place to create lasting memories—schedule your showing today!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

9/10
Rogers Middle SchoolGrades 5-81.8 mi
10/10
Rogers Senior High SchoolGrades 9-121.6 mi
7/10
Hassan Elementary SchoolGrades K-42.3 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Dryer,Exhaust Fan,Microwave,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Washer
  • Laundry features: In Hall,Upper Level

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Egress Window(s),Full,Storage Space,Sump Basket,Sump Pump,Unfinished,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 145.2
  • Dimensions: 12 x 12.1

Bedroom2

  • Level: Upper
  • Area: 260.85
  • Dimensions: 14.1 x 18.5

Bedroom3

  • Level: Upper
  • Area: 150.93
  • Dimensions: 11.7 x 12.9

Bedroom4

  • Level: Upper
  • Area: 140.4
  • Dimensions: 11.7 x 12

Bedroom5

  • Level: Upper
  • Area: 175.599
  • Dimensions: 10.9 x 16.11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Deck

  • Level: Main
  • Area: 500.71
  • Dimensions: 31.10 x 16.1

Dining Room

  • Level: Main
  • Area: 176.55
  • Dimensions: 16.5 x 10.7

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,569

Foyer

  • Level: Main
  • Area: 73.931
  • Dimensions: 6.11 x 12.10

Heating & Cooling

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

Interior Area

  • Total structure area: 5,338
  • Total interior livable area: 3,569 sqft

Kitchen

  • Level: Main
  • Area: 316.8
  • Dimensions: 16.5 x 19.2

Living Room

  • Level: Main
  • Area: 345.92
  • Dimensions: 18.8 x 18.4

Mud Room

  • Level: Main
  • Area: 70.04
  • Dimensions: 6.8 x 10.3

Sitting Room

  • Level: Upper
  • Area: 231.25
  • Dimensions: 12.5 x 18.5

Study

  • Level: Main
  • Area: 139.15
  • Dimensions: 11.5 x 12.10

Sun Room

  • Level: Main
  • Area: 146.05
  • Dimensions: 12.7 x 11.5

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 118355005260
  • Zoning description: Residential-Single Family
  • Foundation area: 1769

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Composite Decking,Deck,Front Porch

Lot

  • Lot size: 0.31 Acres
  • Lot size dimensions: 120 x 165 x 132 x 67

Parking

  • Total spaces: 4
  • Parking features: Attached,Asphalt,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Wright 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 $3,312$39,744
Home Insurance *$349$4,188
Property Taxes $942$11,304
Electricity $301$3,612
Total$4,904$58,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,137/yr
40% on housing$147,120/yr
45% on housing$130,773/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 55330$179
Wright County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 55330$187
Wright County$188

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
2026-07-27Price change$655,000
2026-07-01Price change$675,000
2026-06-20Price change$690,000
2026-06-06Listed for sale$700,000
2025-08-28Sold$684,000
2025-08-11Pending sale$689,000
2025-07-31Price change$689,000
2025-06-26Price change$699,900
2025-06-13Price change$709,900
2025-06-06Pending sale$719,800
2025-05-16Listed for sale$719,800
2022-06-11Sold$644,710

For Sale by Agent

AgentTaylor Matzoll
BrokerageColdwell Banker Realty

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