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1869 White Oak Dr, Chaska, MN, 55318

4beds
4baths
3,370sqft
$645,000
$191price/sqft
$4,486/moest. monthly cost
$179,440/yrincome needed

About This Home

Stunning single-owner home nestled on a quiet street, situated on a spacious lot with picturesque, wooded views. The main level features an office off the entry, hardwood floors, a spacious great room with a stone-surround gas fireplace, and an updated kitchen with stainless steel appliances, gorgeous countertops, an oversized center island with a beverage fridge, a walk-in pantry, and ample storage. A convenient main-floor laundry/mudroom and half bath complete the main level. The upper level features a spacious primary suite with a walk-in closet and en-suite bath with a tub and walk-in shower, plus two additional bedrooms and a full bath. The finished lower level offers a billiards area, a stone-surround gas fireplace, a fourth bedroom, and a ¾ bath. Enjoy the private backyard from the maintenance-free 22' x 16' deck or gather around the custom outdoor fireplace. Additional highlights include an irrigated yard, concrete driveway, additional side parking pad, beautiful landscape, a waterfall pond, and an oversized heated garage with an epoxy floor, floor drain, and an additional attached 13' x 12' storage area with overhead side-door access. Conveniently located near schools, parks, walking and biking trails, and just minutes from everything Chaska has to offer.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

8/10
9/10
9/10
Chaska High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Age 8 Years or Less,Asphalt
  • Construction materials: Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Gas Water Heater,Water Osmosis System,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight

Bedroom

  • Level: Upper
  • Area: 208
  • Dimensions: 16x13

Bedroom2

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedroom3

  • Level: Upper
  • Area: 158.76
  • Dimensions: 12.6x12.6

Bedroom4

  • Level: Lower
  • Area: 140
  • Dimensions: 14x10

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 352
  • Dimensions: 22x16

Dining Room

  • Level: Main
  • Area: 196
  • Dimensions: 14x14

Family Room

  • Level: Lower
  • Area: 420
  • Dimensions: 30x14

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,155
  • Finished area above ground: 2,215

Flex Room

  • Level: Lower
  • Area: 285
  • Dimensions: 19x15

Great Room

  • Level: Main
  • Area: 361
  • Dimensions: 19x19

Heating & Cooling

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

Interior Area

  • Total structure area: 3,502
  • Total interior livable area: 3,370 sqft

Kitchen

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Laundry

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Office

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

Other

  • Level: Main
  • Area: 35
  • Dimensions: 7x5

Porch

  • Level: Main
  • Area: 150
  • Dimensions: 30x5

Utility Room

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

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 306960220
  • Zoning description: Residential-Single Family
  • Foundation area: 1287

Features

  • Levels: Modified Two Story
  • Stories: 2
  • Pool features: None
  • Patio & porch: Composite Decking,Deck,Porch
  • Fencing: None

Lot

  • Lot size: 0.49 Acres
  • Features: Irregular Lot,Tree Coverage - Medium
  • Lot size dimensions: 175 x 158 x 71 x 226

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Tornado
Hail
Heat Wave
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in Carver 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 $3,261$39,132
Home Insurance *$286$3,432
Property Taxes $655$7,860
Electricity $284$3,410
Total$4,486$53,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,805/yr
40% on housing$134,580/yr
45% on housing$119,626/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 55318$194
Carver County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 55318$218
Carver County$220

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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$645,000
2026-07-31Listed for sale$645,000
2001-08-22Sold$319,177

For Sale by Agent

AgentBob Wingert
BrokerageDDK Real Estate Company LLC

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