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6546 108th St S, Cottage Grove, MN, 55016

5beds
4baths
3,468sqft
$722,900
$208price/sqft
$4,915/moest. monthly cost
$196,600/yrincome needed

About This Home

Hanson Builders presents the Woodland, an open-concept layout designed for the way families are living today. This home features an extra deep garage great for a boat! Home is located in brand new neighborhood that is adjacent to the Mississippi River. The main floor features a study, a great room, a spacious mudroom, a gourmet kitchen, and a walk-in pantry. Upstairs you will enjoy an owner’s suite that includes a luxurious bathroom that connects to both an incredible walk-in closet and the laundry room, a large loft, and two more sizable bedrooms. The finished lower level is perfect for entertaining, with wide open spaces, a bedroom, and a ¾ bathroom. Please note this is a to-be-built and is just a lot at this stage.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
Pullman Elementary SchoolGrades PK-52.9 mi
5/10
Oltman Middle SchoolGrades 6-84.0 mi
5/10
Park Senior High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Age 8 Years or Less,Pitched

Other

  • Builder name: HANSON BUILDERS INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Finished,Full,Concrete

Bedroom

  • Level: Upper
  • Area: 255
  • Dimensions: 17x15

Bedroom2

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom3

  • Level: Upper
  • Area: 132
  • Dimensions: 12x11

Bedroom4

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom5

  • Level: Lower
  • Area: 120
  • Dimensions: 12x10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Family Room

  • Level: Lower
  • Area: 425
  • Dimensions: 25x17

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 737
  • Finished area above ground: 2,401

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,468
  • Total interior livable area: 3,468 sqft

Kitchen

  • Level: Main
  • Area: 255
  • Dimensions: 15x17

Living Room

  • Level: Main
  • Area: 270
  • Dimensions: 18x15

Office

  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3002721420026
  • Zoning description: Residential-Single Family
  • Foundation area: 1067

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Shared
  • Fencing: None

Lot

  • Lot size: 8,276 sqft
  • Lot size dimensions: 65 x 130 x 65 x 130

Parking

  • Total spaces: 3.5
  • Parking features: Attached,Asphalt,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3.5
  • Covered spaces: 3.5
  • 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 $3,655$43,860
Home Insurance *$402$4,824
Property Taxes $566$6,792
Electricity $292$3,509
Total$4,915$58,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,514/yr
40% on housing$147,450/yr
45% on housing$131,066/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

$208This 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
2026-04-04Listed for sale$722,900

For Sale by Agent

AgentJeremy D Berg
BrokerageHanson Builders Inc

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