15471 95th St NE, Otsego, MN, 55330
About This Home
Enjoy the perfect blend of privacy, space, and convenience in this beautifully updated 3-bedroom, 2-bath split-level home situated on over an acre indesirable Otsego. Surrounded by mature trees and established landscaping, the property offers a peaceful setting with a spacious, level backyardproviding endless possibilities for outdoor enjoyment, recreation, or gardening. Inside, you'll find all three bedrooms conveniently located on the upper level along with a full bathroom. Recent updates include brand-new flooring onthe main level and fresh paint throughout, creating a bright, move-in-ready interior. The lower level features a cozy family room, an additionalbathroom, and a versatile flex room that is ideal for a home office, hobby room, or workout space. A two-stall attached garage provides plenty of storageand everyday convenience. With over an acre of usable land, thoughtful updates throughout, and a fantastic Otsego location, this home offers a wonderful opportunity to enjoy bothindoor comfort and outdoor space. Don't miss your chance to make this property your own
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1973
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Water Softener Owned
- Laundry features: In Basement,Lower Level,Laundry Room
Basement
- Has basement: Yes
- Basement: Finished,Partial
Bedroom
- Level: Main
- Area: 150
- Dimensions: 15x10
Bedroom2
- Level: Main
- Area: 135
- Dimensions: 15x9
Bedroom3
- Level: Main
- Area: 108
- Dimensions: 12x9
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Area: 81
- Dimensions: 9x9
Family Room
- Level: Lower
- Area: 195
- Dimensions: 13x15
Features
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 501
- Finished area above ground: 1,041
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,640
- Total interior livable area: 1,542 sqft
Kitchen
- Level: Main
- Area: 90
- Dimensions: 10x9
Living Room
- Level: Main
- Area: 195
- Dimensions: 15x13
Office
- Level: Lower
- Area: 81
- Dimensions: 9x9
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 118024004120
- Zoning description: Residential-Single Family
- Foundation area: 1100
Features
- Levels: Multi/Split
- Patio & porch: Porch,Rear Porch
- Fencing: None
Lot
- Lot size: 1.24 Acres
- Features: Cleared,Irregular Lot,Tree Coverage - Heavy
- Lot size dimensions: 174 x 309 x 190 x 290
Parking
- Total spaces: 2
- Parking features: Attached,Asphalt
- Has garage: Yes
- Attached garage spaces: 2
- Covered 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
- 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 | $1,719 | $20,628 |
| Home Insurance * | $181 | $2,172 |
| Property Taxes | $302 | $3,624 |
| Electricity | $170 | $2,050 |
| Total | $2,372 | $28,464 |
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 |
|---|---|---|
| 2026-07-30 | Listed for sale | $340,000 |
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