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955 Cedar Point Ln SE, Oronoco, MN, 55960

5beds
4baths
3,958sqft
$924,900
$234price/sqft
$6,351/moest. monthly cost
$254,040/yrincome needed

About This Home

Rarely does a property offer the perfect combination of cul-de-sac privacy and breathtaking river views with direct access. This meticulously maintained two-story home offers more than 5,000 total square feet of finished living space, including a pre-stressed garage featuring a convenient rear overhead door. The open-concept main level is designed for both everyday living and entertaining, showcasing a beautiful kitchen with granite countertops, a center island, and a walk-in pantry overlooking the spacious living room. Upstairs, you'll find four generously sized bedrooms, including an expansive primary suite complete with a private bath and walk-in closet. The fully finished walk-out lower level provides exceptional additional living space, along with a fifth bedroom and full bath—ideal for guests, multigenerational living, or a private retreat. Outside, the amenities continue with a newer roof and durable cement board siding, a new HVAC(Heat Pump) system installed in 2025, a heated garage, a newly rebuilt deck, rear patio, and even a private sport court. As an added bonus, homeowners have the option of attending either Rochester or Pine Island schools. An exceptional opportunity to enjoy space, privacy, recreation, and stunning riverfront living—all in one remarkable property.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

6/10
3/10
Dakota Middle SchoolGrades 6-84.1 mi
8/10

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Finished,Walk-Out Access

Bathroom

  • Level: Upper

Bathroom

  • Level: Upper

Bathroom

  • Level: Basement

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,200
  • Finished area above ground: 2,758

Heating & Cooling

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

Interior Area

  • Total structure area: 5,082
  • Total interior livable area: 3,958 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 842011070140
  • Zoning description: Residential-Single Family
  • Foundation area: 1350

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Composite Decking,Patio
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front,River View

Lot

  • Lot size: 0.76 Acres
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Heated Garage
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Olmsted 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 $4,676$56,112
Home Insurance *$366$4,392
Property Taxes $976$11,712
Electricity $333$4,005
Total$6,351$76,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$217,748/yr
40% on housing$190,530/yr
45% on housing$169,360/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 55960$142
Olmsted County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 55960$201
Olmsted County$177

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
2026-06-09Price change$924,900
2026-05-15Listed for sale$949,900
2015-03-25Sold$500,000
2015-01-10Pending sale$524,500
2015-01-09Sold$500,000
2014-12-01Price change$524,500
2014-11-05Price change$534,900
2014-08-14Price change$549,900
2014-06-28Price change$559,900
2014-06-01Listed for sale$579,900
2010-12-17Listing removed$619,000
2010-08-04Listed for sale$619,000

For Sale by Agent

AgentChad Carpenter
BrokerageElcor Realty of Rochester Inc.

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