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6764 101st St S, Cottage Grove, MN, 55016

5beds
3baths
2,578sqft
$437,500
$170price/sqft
$3,003/moest. monthly cost
$120,120/yrincome needed

About This Home

5 bedrooms plus a great location within the neighborhood! Backing up to an open space this home sits on a premium lot with a wonderful view. 5 total bedrooms + two large living spaces + Primary Bedroom with private bath and walk-in closet. A large walkout patio helps you enjoy the premium lot location. Large windows capture the sunlight and fill up the vaulted ceilings on the upper level. Snow/lawn/sanitation are managed by the association making this home super easy to move into!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
Pullman Elementary SchoolGrades PK-52.2 mi
6/10
Oltman Middle SchoolGrades 6-83.4 mi
5/10
Park Senior High SchoolGrades 9-122.5 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,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Lower Level,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 195
  • Dimensions: 13x15

Bedroom2

  • Level: Upper
  • Area: 140
  • Dimensions: 10x14

Bedroom3

  • Level: Upper
  • Area: 168
  • Dimensions: 12x14

Bedroom4

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

Bedroom5

  • Level: Lower
  • Area: 132
  • Dimensions: 11x12

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 2

Dining Room

  • Level: Upper
  • Area: 130
  • Dimensions: 13x10

Family Room

  • Level: Upper
  • Area: 320
  • Dimensions: 16x20

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,578

Heating & Cooling

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

Interior Area

  • Total structure area: 2,578
  • Total interior livable area: 2,578 sqft

Kitchen

  • Level: Upper
  • Area: 130
  • Dimensions: 13x10

Patio

  • Level: Lower

Porch

  • Level: Main

Recreation Room

  • Level: Lower
  • Area: 480
  • Dimensions: 20x24

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3002721110101
  • Zoning description: Residential-Single Family
  • Foundation area: 1088

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Front Porch,Patio
  • Fencing: None

Lot

  • Lot size: 6,446 sqft
  • Features: Property Adjoins Public Land,Tree Coverage - Light
  • Lot size dimensions: 75 x 123 x 11 x 123

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 $2,212$26,544
Home Insurance *$243$2,916
Property Taxes $331$3,972
Electricity $217$2,609
Total$3,003$36,036
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,960/yr
40% on housing$90,090/yr
45% on housing$80,080/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

$170This 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
2026-07-20Price change$437,500
2026-06-24Listed for sale$440,000

For Sale by Agent

AgentDaniel J. Smoot
BrokerageEdina Realty, Inc.

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