11542 81st Ln NE, Otsego, MN, 55330
About This Home
Don’t miss this nearly new 5BR/3BA two-story home in Otsego, built in 2023 and beautifully maintained. Enjoy a prime location just minutes from Beaudry Meadows Park, Prairie Park (with splash pad and community center), Riverwood National Golf Course, and convenient access to MN-101 and US-169 for your commute. This home welcomes you with great curb appeal and a charming covered front porch. Inside, the open-concept main level is filled with natural light and features a spacious living/dining/kitchen area with stainless steel appliances, a gas range, pantry, and a large center island—perfect for everyday living and entertaining. Walk out to the back patio for easy outdoor enjoyment. A versatile main-level bedroom can double as a home office. Upstairs, you'll find a cozy loft, four more bedrooms, and a full bath with dual sinks. The primary suite offers a private ¾ bath and walk-in closet. Additional highlights include a 3-car garage, asphalt driveway, and move-in ready condition. Schedule your showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2023
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,Humidifier,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
Basement
- Basement: None
Bedroom
- Level: Upper
- Area: 224
- Dimensions: 14x16
Bedroom2
- Level: Upper
- Area: 110
- Dimensions: 10x11
Bedroom3
- Level: Upper
- Area: 143
- Dimensions: 11x13
Bedroom4
- Level: Upper
- Area: 154
- Dimensions: 14x11
Bedroom5
- Level: Main
- Area: 110
- Dimensions: 10x11
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
Dining Room
- Level: Main
- Area: 210
- Dimensions: 14x15
Family Room
- Level: Main
- Area: 176
- Dimensions: 16x11
Features
- Finished area below ground: 0
- Finished area above ground: 2,505
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,505
- Total interior livable area: 2,505 sqft
Kitchen
- Level: Main
- Area: 180
- Dimensions: 10x18
Loft
- Level: Upper
- Area: 225
- Dimensions: 15x15
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 118358002070
- Zoning description: Residential-Single Family
- Foundation area: 1055
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Front Porch,Patio
Lot
- Lot size: 10,715 sqft
- Features: Corner Lot
- Lot size dimensions: 83 x 130 x 76 x 125
Parking
- Total spaces: 3
- Parking features: Attached,Asphalt
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Hail
- Tornado
- Winter Weather
- Cold Wave
- Heat Wave
- Inland Flooding
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Wright County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,274 | $27,288 |
| Home Insurance * | $240 | $2,880 |
| Property Taxes | $356 | $4,272 |
| Electricity | $211 | $2,535 |
| Total | $3,081 | $36,972 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-26 | Listed for sale | $449,900 |
| 2025-10-10 | Listing removed | $449,900 |
| 2025-07-05 | Listed for sale | $449,900 |
| 2023-10-20 | Sold | $430,000 |
| 2023-08-24 | Pending sale | $430,000 |
| 2023-08-19 | Listed for sale | $419,990 |
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