9900 Upper 89th St S, Cottage Grove, MN, 55016
About This Home
One-level living at its finest is available in The Harmony, a new home offered at Ravine Crossing in Cottage Grove, Minnesota. Ranch-style enthusiasts will relish at the plan's choices of four charming exterior elevations that include a front porch (per plan). Irrigation and landscape packages are included to help keep yard maintenance easier. This home features our white interior design package, perfect for making the space light and bright. A spacious open-concept family room and kitchen makes cooking, dining, and entertaining a breeze. The kitchen features a corner walk-in pantry, island with breakfast bar, quartz countertops, tiled backsplash and stainless-steel appliances. In the family room, an electric fireplace is centered between two windows and creates a warm, inviting atmosphere. The Harmony has a total of three bedrooms, all located close by the laundry room. The bedroom suite features a private bathroom with double vanities and a walk-in closet. The secondary bedrooms' versatility allows homeowners to use as a den or study. D.R. Horton homes include designer inspired interior packages and come with the America's Smart Home industry-leading suite of smart home products such as a Qolsys IQ Panel, Kwikset smart locks, smart switches, video doorbell and more! * Images are representational only and will vary from the homes as built. Images are of model home and may include custom design features not available in other homes.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2026
Other
- Builder name: D.R. Horton
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Interior Area
- Total interior livable area: 1,485 sqft
Property
Features
- Levels: 1.0
- Stories: 1
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
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
- Cold Wave
- Lightning
- Strong Wind
- Tornado
- Hail
- Heat Wave
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Washington 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 | $2,325 | $27,900 |
| Home Insurance * | $256 | $3,072 |
| Property Taxes | $360 | $4,320 |
| Electricity | $170 | $2,050 |
| Total | $3,111 | $37,332 |
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 |
|---|---|---|
| 2026-05-06 | Listed for sale | $485,085 |
View on Zillow