81

Otsego, MN Homes for Sale with No HOA Fee

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  • /45

    $649,000

    • 3 Beds
    • 2 Baths
    • 1,711 Sq Ft

    15045 County Road 30, Elk River, MN 55330

    Stunning Mississippi Riverfront Retreat - One-Level Living. Experience the beauty of riverfront living with this recently renovated home, featuring over 200 feet of accessible shoreline. This charming one-level residence offers 3 bedrooms and 2 bathrooms, with a thoughtfully designed layout placing the primary suite on the opposite end for privacy. Enjoy the warmth of a wood-burning fireplace and

    Agent Photo

    Kristie Bernard

    Keller Williams Integrity NW

    (651) 505-8176

    15045 County Road 30, Elk River, MN 55330
  • /38

    $746,875 Open Sat 12PM - 3PM

    • 5 Beds
    • 3 Baths
    • 3,102 Sq Ft

    14196 77th Ln NE, Otsego, MN 55330

    New development with large private lots, mature trees and a convenient location! Close to stores, schools, and parks. All homes include LP siding. Great room features a fireplace and built-in entertainment cabinets, an oversized center island and a walk-in pantry. The owner`s bedroom suite features a vaulted ceiling, huge walk-in closet, and private bath with ceramic-tiled shower and double

    Agent Photo

    Steve Comstock

    eXp Realty

    (651) 998-7442

    14196 77th Ln NE, Otsego, MN 55330
  • /12

    $689,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,785 Sq Ft

    7695 Ochoa Ave NE, Otsego, MN 55330

    Geneva 2 Floor Plan. New development with private lots, mature trees, and a convenient location close to stores, schools, and parks. This gorgeous single-family home features an open great room, four bedrooms, three BA, and fireplace. The gourmet kitchen boasts quartz countertops, stainless steel appliances, an oversized center island, and walk-in pantry. There are high ceilings throughout, a

    Agent Photo

    Steve Comstock

    eXp Realty

    (651) 401-8154

    7695 Ochoa Ave NE, Otsego, MN 55330
  • /65

    $734,450 Open Sat 12PM - 3PM

    • 4 Beds
    • 3 Baths
    • 3,093 Sq Ft

    14147 77th Ln NE, Otsego, MN 55330

    New development w/large private lots, mature trees and a convenient location! Close to stores, schools and parks. All homes include LP siding. Great room features a FPL and built-in entertainment cabinets. The Kitchen includes quartz countertops, stainless steel appliances, upgraded custom cabinets, an oversized center island and walk-in pantry. The owner's BR features a vaulted ceiling, huge

    Agent Photo

    Steve Comstock

    eXp Realty

    (651) 409-8634

    14147 77th Ln NE, Otsego, MN 55330
  • /34

    $565,000

    • 3 Beds
    • 2.5 Baths
    • 2,325 Sq Ft

    13667 89th St NE, Elk River, MN 55330

    Extremely well maintained original owner, 2 story custom home in very desirable Meadowlands neighborhood. Spacious 1.6 acre lot backing to private wetlands, including amazing sunsets! New roof in 2023! Oversized 3 car garage (extra deep), heated & insulated with floor drain. Freshly painted. Updated kitchen with brand new stainless steel appliances. Three bedrooms upstairs with the convenience of

    Paul Springer Coldwell Banker Realty

    13667 89th St NE, Elk River, MN 55330
  • /49

    $549,900 Open Thu 4PM - 6PM

    • 5 Beds
    • 2.5 Baths
    • 2,692 Sq Ft

    5836 Radford Ave NE, Otsego, MN 55374

    Welcome to this stunning 5-bedroom, 3-bathroom home, which combines luxury and modern design, featuring a spacious, open-concept layout with quality craftsmanship. The kitchen boasts premium stainless steel appliances with ample counter space, a pantry, and an oversized island perfect for entertaining or family gatherings. Main floor bedroom can also be used as an office or bonus room. Unfinished

    Amy Johnson Central MN Realty LLC

    5836 Radford Ave NE, Otsego, MN 55374
  • /33

    $514,500

    • 5 Beds
    • 3.5 Baths
    • 2,402 Sq Ft

    12273 71st Ct NE, Otsego, MN 55301

    Built in 2024, this practically new home in the sought-after community of Otsego has been thoughtfully finished during its brief 10 months of occupancy. Seller willing to consider rent/lease to own or contract for deed. The property features a private main level office with elegant study doors and an impressive open concept living area with vaulted ceilings, offering both style and

    James Garry Redfin Corporation

    12273 71st Ct NE, Otsego, MN 55301
  • /28

    $499,900 Open Sat 12PM - 3PM

    • 4 Beds
    • 3.5 Baths
    • 2,402 Sq Ft

    7110 Marlowe Ave NE, Elk River, MN 55330

    Stunning 4-Bed, 4-Bath Multilevel Home in Otsego, MN with 3-Car Garage & smart home tech.Welcome to this gorgeous 4-bedroom, 4-bathroom multilevel home nestled in a desirable Otsego neighborhood. With over 2400 sq. ft. of thoughtfully designed living space, this home offers the perfect blend of style, comfort, and functionality.As you approach the home, you're greeted by a charming front

    Roger Anderson Elite Realty Minnesota

    7110 Marlowe Ave NE, Elk River, MN 55330
  • /40

    $549,900 New Construction

    • 5 Beds
    • 3.5 Baths
    • 3,527 Sq Ft

    6256 Radford Ave NE, Otsego, MN 55330

    Welcome to Capstone's Mulberry floor plan. Featuring an open floor plan, the spacious Mulberry kitchen features a kitchen island, walk in pantry and stone countertops. The dining room and great room flow seamlessly while the front flex room has angled double doors for the perfect home office location. A half bathroom and a mudroom with an oversized walk in closet complete the main level. The

    Seth Johnson Capstone Realty, LLC

    6256 Radford Ave NE, Otsego, MN 55330
  • /21

    $479,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,271 Sq Ft

    11379 84th St NE, Otsego, MN 55330

    The Vanderbilt is a beautifully designed two-story, 3-car home will be move-in ready this August! With a smart, modern layout, the main level offers a welcoming great room with a cozy gas fireplace, a versatile flex space, and a spacious kitchen featuring quartz countertops, a corner pantry, and sleek, modern cabinetry that complements the home’s contemporary style. Upstairs, you’ll find three

    Kaylee Schultz Lennar Sales Corp

    11379 84th St NE, Otsego, MN 55330
  • /41

    $479,990 Open Sat 11AM - 6PM

    • 4 Beds
    • 3.5 Baths
    • 2,402 Sq Ft

    7930 Marquette Ave NE, Otsego, MN 55330

    *** Completed New Construction *** Ask how you can receive a 4.99% FHA/VA or a 5.50% Conventional 30-year fixed rate AND up to $10,000 in closing costs. Introducing another new construction opportunity from D.R. Horton, America’s Builder. The Finnegan is your next dream home! This plan features a private main level office flex area with study doors along with an open living, kitchen and dining

    Amanda Alt D.R. Horton, Inc.

    7930 Marquette Ave NE, Otsego, MN 55330
  • /25

    $547,990 Open Sat 12PM - 3PM

    • 4 Beds
    • 2.5 Baths
    • 2,692 Sq Ft

    14572 74th St NE, Otsego, MN 55330

    Ask how to qualify for savings up to $5,000 with use of Seller's Preferred Lender.This home is under construction and will be ready for a quick move-in mid May! Welcome to The Lewis in the BRAND NEW Meadows of Otsego Community, a stunning new construction home designed with modern living in mind. Enjoy large side yards! This spacious home offers a gourmet kitchen, 4 bedrooms, 3 bathrooms, and a

    Kaylee Schultz Lennar Sales Corp

    14572 74th St NE, Otsego, MN 55330
  • /31

    $505,000 New Construction

    • 5 Beds
    • 3.5 Baths
    • 2,513 Sq Ft

    12303 71st Ct NE, Otsego, MN 55330

    The Cameron II plan is an amazing plan that offers flexibility with regards to function. This is a 5-bedroom home that features an amazing kitchen layout with large center island and corner walk-in pantry. The kitchen is highlighted by subway tile backsplash, quartz countertops and stainless steel appliances. Not to mention the main level eye catcher - vaulted ceilings! Primary bedroom features

    Joel DeMaris D.R. Horton, Inc.

    12303 71st Ct NE, Otsego, MN 55330
  • /2

    $528,865 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,645 Sq Ft

    15509 71st Street N E, Otsego, MN 55330

    Welcome to this stunning 2-story home located at 15509 71st Street N.E. in Otsego, MN! This beautiful new construction home by M/I Homes is ready to welcome its very first owners. As you step inside, you are greeted by an open floorplan that seamlessly connects the living room, dining area, and kitchen, providing a perfect space for entertaining family and friends. The kitchen is a

    M/I Homes

    Wilson, Otsego, MN 55330
  • /2

    $455,000 New Construction

    • 2 Beds
    • 2 Baths
    • 1,890 Sq Ft

    7247 Parquet Ave NE, Otsego, MN 55330

    Discover the perfect blend of comfort and style in this stunning new construction home located in the charming community of Otsego, MN. Built by M/I Homes, this thoughtfully designed single-story house offers 2 bedrooms, 2 full bathrooms, and 1,890 square feet of beautifully crafted living space. Step inside to be welcomed by a spacious open layout that seamlessly connects the living

    M/I Homes

    Cedarwood, Otsego, MN 55330
  • /16

    $492,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,618 Sq Ft

    Wilson, Otsego, MN 55330

    This four-bedroom, two-and-a-half-bathroom two-story home is a one-of-a-kind. Featuring an exterior you’ll love, with many elevations to choose from, you’ll be impressed from the moment you pull up.

    M/I Homes

    Wilson, Otsego, MN 55330
  • /39

    $485,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,227 Sq Ft

    7284 Paris Avenue N E, Otsego, MN 55330

    Discover this stunning 4-bedroom, 2.5-bathroom new construction home in the vibrant community of Otsego, MN. Built by M/I Homes, this 2-story property combines modern design with functionality, offering the perfect space for comfortable living and entertaining.A Spacious and Inviting FloorplanStep inside to an open floorplan that seamlessly connects the living spaces, creating a warm and

    M/I Homes

    Sophia, Otsego, MN 55330
  • /2

    $499,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,227 Sq Ft

    15676 71st St NE, Otsego, MN 55330

    Welcome to this charming 2-story home located at 15676 71st Street NE in Otsego, MN. This delightful property is now available for sale, offering a wonderful living experience for you and your family. This lovely home features 4 spacious bedrooms and 2-and-a-half well-appointed bathrooms, perfect for accommodating your family's needs. The spacious interior spans approximately 2,227

    M/I Homes

    Sophia, Otsego, MN 55330
  • /16

    $474,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,227 Sq Ft

    Sophia, Otsego, MN 55330

    Welcome to the Sophia! This four-bedroom home features unique features throughout, sure to impress anyone who tours this stunning two-story home. With several exterior elevations to choose from, each one unique to the next, you'll have several different styles to work with to transform this 2,227 square foot home to your liking.

    M/I Homes

    Sophia, Otsego, MN 55330
  • /22

    $484,990 Open Sat 11AM - 6PM

    • 4 Beds
    • 3 Baths
    • 2,568 Sq Ft

    7856 Martin Ave NE, Otsego, MN 55330

    **Ask how you can receive a 4.99% FHA/VA or a 5.50% Conventional 30-year fixed rate AND up to $10,000 in closing costs. Meet the Monterey floor plan! This beautiful home features 4 bedrooms, 3 bathrooms, a large kitchen island and corner pantry. Stainless Steel appliances throughout the kitchen with beautiful designer quartz countertops. Upper level is home to 2 bedrooms, 2 bathrooms, the

    Amanda Alt D.R. Horton, Inc.

    7856 Martin Ave NE, Otsego, MN 55330
  • /37

    $499,990 Open Sat 11AM - 6PM

    • 5 Beds
    • 3.5 Baths
    • 2,513 Sq Ft

    12158 71st St NE, Otsego, MN 55330

    **Ask how you can receive a 4.99% FHA/VA or a 5.5% Conventional 30-year fixed rate AND up to $10,000 in closing costs. ****Completed New Construction Opportunity **The Cameron II plan is an amazing plan that offers flexibility with regards to function. This is a 5-bedroom home that features an amazing kitchen layout with large center island and corner walk-in pantry. The kitchen is highlighted by

    Joel DeMaris D.R. Horton, Inc.

    12158 71st St NE, Otsego, MN 55330
  • /34

    $484,990 Open Sat 11AM - 6PM

    • 4 Beds
    • 3.5 Baths
    • 2,402 Sq Ft

    12301 71st Ct NE, Otsego, MN 55330

    **Ask how you can receive a 4.99% FHA/VA or a 5.5% Conventional 30-year fixed rate AND up to $10,000 in closing costs. **Introducing another new construction opportunity from D.R. Horton, America’s Builder. The Finnegan is your next dream home! This plan features a private main level office flex area with study doors along with an open living, kitchen and dining area featuring vaulted ceilings.

    Joel DeMaris D.R. Horton, Inc.

    12301 71st Ct NE, Otsego, MN 55330
  • /33

    $488,990 Open Sat 11AM - 6PM

    • 5 Beds
    • 3.5 Baths
    • 2,513 Sq Ft

    12279 71st Ct NE, Otsego, MN 55330

    **Ask how you can receive a 4.99% FHA/VA or a 5.5% Conventional 30-year fixed rate AND up to $10,000 in closing costs. **The Cameron II plan is an amazing plan that offers flexibility with regards to function. This is a 5-bedroom home that features an amazing kitchen layout with large center island and corner walk-in pantry. The kitchen is highlighted by subway tile backsplash, quartz countertops

    Joel DeMaris D.R. Horton, Inc.

    12279 71st Ct NE, Otsego, MN 55330
  • /31

    $502,000 Open Sat 11AM - 6PM

    • 4 Beds
    • 3.5 Baths
    • 2,242 Sq Ft

    12018 71st St NE, Otsego, MN 55330

    Welcome to Northwater! Introducing the Bryant II. This thoughtfully designed home plan features an open concept main level which is accented by vaulted ceilings. Kitchen boasts a large breakfast bar peninsula with plenty of seated, white cabinets and granite counter tops. Stainless-steel appliances throughout the kitchen as well. The primary bedroom features a private ensuite bath with dual

    Joel DeMaris D.R. Horton, Inc.

    12018 71st St NE, Otsego, MN 55330
  • /41

    $484,990 Open Sat 11AM - 6PM

    • 5 Beds
    • 3.5 Baths
    • 2,513 Sq Ft

    7942 Marquette Ave NE, Otsego, MN 55330

    **Ask how you can receive a 4.99% FHA/VA or a 5.50% Conventional 30-year fixed rate AND up to $10,000 in closing costs.Introducing another new construction opportunity from D.R. Horton, America’s Builder. Come check out the Cameron II! This plan features a private main level bedroom with French doors along with an open living, kitchen and dining area featuring vaulted ceilings. Kitchen boasts a

    Amanda Alt D.R. Horton, Inc.

    7942 Marquette Ave NE, Otsego, MN 55330
  • /44

    $488,904 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,563 Sq Ft

    8018 Marquette Ave NE, Otsego, MN 55330

    Welcome to Prairie Pointe! Introducing the Elder. This thoughtfully designed home plan features an open concept main level and kitchen with a large center island, white cabinets and quartz counter tops. Stainless-steel appliances throughout the kitchen as well. The primary bedroom features a private on-suite bath with dual vanity bath & spacious walk-in closet! All bedrooms upstairs plus a loft

    Amanda Alt D.R. Horton, Inc.

    8018 Marquette Ave NE, Otsego, MN 55330
  • /42

    $486,496 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,402 Sq Ft

    8006 Marquette Ave NE, Otsego, MN 55330

    Introducing another new construction opportunity from D.R. Horton, America’s Builder. The Finnegan is your next dream home! This plan features a private main level office flex area with study doors along with an open living, kitchen and dining area featuring vaulted ceilings. Kitchen boasts a center island, walk-in corner pantry and stainless-steel appliances. One nice feature about the Finnegan

    Amanda Alt D.R. Horton, Inc.

    8006 Marquette Ave NE, Otsego, MN 55330
  • /2

    $479,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,300 Sq Ft

    7187 Paris Avenue N E, Otsego, MN 55330

    Discover this beautiful new construction home at 7187 Paris Avenue N.E. Otsego, MN, built by M/I Homes. This 2,300 square foot house offers a perfect blend of comfort and functionality with its thoughtfully designed spaces.  Home Features: 3 bedrooms including an upstairs owner's bedroom 2 bathrooms 3-car garage Full basement Open-concept living

    M/I Homes

    Kingston, Otsego, MN 55330
  • /2

    $498,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,300 Sq Ft

    15616 71st Street N E, Otsego, MN 55330

    Discover this beautiful new construction home by M/I Homes at 15616 71st Street N.E. Otsego, MN. Offering 2,300 square feet of thoughtfully designed living space, this residence provides the perfect balance of comfort and functionality.  Home Features: 3-car garage 4 spacious bedrooms 2.5 well-appointed bathrooms, including an owner's en-suite

    M/I Homes

    Kingston, Otsego, MN 55330
  • /2

    $485,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,150 Sq Ft

    15652 71st St NE, Otsego, MN 55330

    Welcome to 15652 71st Street NE Otsego, MN, a beautiful new construction home built by M/I Homes offering 2,150 square feet of thoughtfully designed living space. This exceptional new-build home features 4 bedrooms and 2.5 bathrooms, providing ample space for you and your loved ones. Home Highlights: 2.5-car garage Open-concept layout 4 bedrooms 2.5

    M/I Homes

    Augustine, Otsego, MN 55330
  • /34

    $409,990 Open Sun 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,650 Sq Ft

    11380 72nd St NE, Albertville, MN 55301

    Welcome to this beautifully maintained 3-bedroom, 2-bathroom home located in a highly sought-after Otsego neighborhood. Inside, you’ll find a spacious, open-concept main room with vaulted ceilings that fill the space with natural light—perfect for both everyday living and entertaining. The modern kitchen boasts stainless steel appliances, ample cabinetry, and a center island that flows

    Cathryn Perinovic Curated Realty Group

    11380 72nd St NE, Albertville, MN 55301
  • /26

    $390,000

    • 3 Beds
    • 3 Baths
    • 1,852 Sq Ft

    7641 Packard Ave NE, Elk River, MN 55330

    Like new construction, a 3-bedroom, 3-bath single-family home, ideally situated on a spacious corner lot! Freshly painted and featuring brand-new carpet, this home is move-in ready and shines with pride of ownership. The oversized 3-car garage offers ample space for vehicles, storage, or a workshop. Enjoy the benefits of a flat, usable yard?perfect for entertaining, gardening, or future outdoor

    Josh Pomerleau JPW Realty

    7641 Packard Ave NE, Elk River, MN 55330
  • /61

    $649,900

    • 5 Beds
    • 4 Baths
    • 3,560 Sq Ft

    5857 Quin Ave NE, Otsego, MN 55330

    This one checks all the boxes, better than new construction! Built in 2022 and packed with upgrades you won't find in most new builds. Enjoy a 500 sq ft concrete patio with pergola, fully fenced yard, and a front patio perfect for relaxing. Fresh carpet and paint (2025) throughout. The open-concept layout features a spacious living room with a gas fireplace and a gourmet kitchen with granite

    Benjamin Troxel JPW Realty

    5857 Quin Ave NE, Otsego, MN 55330
  • /28

    $449,900

    • 5 Beds
    • 3 Baths
    • 2,505 Sq Ft

    11325 81st St NE, Otsego, MN 55330

    Welcome to 11325 81st St. NE, a beautifully crafted 5-bedroom, 3-bathroom home built in 2024 by Lennar, featuring the popular Sequoia floor plan. Nestled on a large lot overlooking a tranquil pond, this home offers both style and space in one of Otsego’s most sought-after neighborhoods.The main level showcases an open-concept layout, seamlessly blending the living room, dining area, and

    John Schuster Coldwell Banker Realty

    11325 81st St NE, Otsego, MN 55330
  • /25

    $395,500

    • 4 Beds
    • 2 Baths
    • 2,189 Sq Ft

    14891 77th St NE, Elk River, MN 55330

    Welcome to this beautiful 4-bedroom, 2-bath home, featuring a charming front porch and thoughtful recent updates throughout. The kitchen is a chef’s dream, complete with a large center island, spacious pantry, and double oven for all your cooking and entertaining needs. With three bedrooms conveniently located on one level, this home offers both comfort and functionality. The lower level walks

    Isaac Johnson Keller Williams Realty Integrity Lakes

    14891 77th St NE, Elk River, MN 55330
  • /29

    $399,900

    • 5 Beds
    • 3 Baths
    • 2,273 Sq Ft

    7897 Parell Ave NE, Elk River, MN 55330

    Wonderful 5 bedroom 3 bath home in Otsego! Conveniently located home features: 3 bedrooms on main level, primary bath and walk in closet, large deck overlooking the backyard, hot tub stays with the house, in ground sprinkler system and so much more!

    Brenda Benson Trilogy Properties of MN, LLC

    7897 Parell Ave NE, Elk River, MN 55330
  • /27

    $369,000 Open Sat 1PM - 3PM

    • 3 Beds
    • 2.5 Baths
    • 1,535 Sq Ft

    7739 Lancaster Ave NE, Albertville, MN 55301

    Welcome to this charming two-story home just down the street from Sunray Farms Park in Otsego. This preowned gem offers a spacious main floor with a large foyer, living room, dining room and kitchen. The upper level includes a comfortable primary suite with an ensuite bath, two additional bedrooms, addition full bathroom, large loft and a laundry room for added convenience. The home boasts an

    Cynthia McCarty Keller Williams Classic Rlty NW

    7739 Lancaster Ave NE, Albertville, MN 55301
  • /42

    $394,000

    • 4 Beds
    • 2 Baths
    • 1,575 Sq Ft

    14299 88th St NE, Elk River, MN 55330

    Welcome to your brand-new home on over one acre in beautiful Otsego! Nestled among the trees on a peaceful road with wonderful neighbors, this stunning property has been completely redone from top to bottom with high-quality craftsmanship.As you arrive, the impressive curb appeal creates an inviting yet cozy atmosphere. The spacious driveway even offers additional RV parking!Step

    R Scott Olson eXp Realty

    14299 88th St NE, Elk River, MN 55330
  • /3

    $330,000

    • Land
    • 2.00 Acres
    • $165,000 per Acre

    xxx Quaday Ave NE, Otsego, MN 55330

    Least expensive lot in an exploding area! Very fast-growing area right NOW. Timing is everything. Major construction everywhere with three new apartments complex's/ two major grocery stores / new businesses and buildings all within blocks. This is a large two-acre site with only a small initial investment. Itis the least expensive land in the market area, and it's all high and dry. Buy, sit,

    Jon Smith Keller Williams Integrity NW

    xxx Quaday Ave NE, Otsego, MN 55330
  • /28

    $469,900

    • 4 Beds
    • 3.5 Baths
    • 2,242 Sq Ft

    12262 71st St NE, Otsego, MN 55330

    MUST SEE this stunning like-new, three-level split home that features 4 bedrooms, 4 bathrooms, and a 3 car garage. Nestled in the highly sought after Martin Farms neighborhood of Otsego, this home offers the perfect blend of modern elegance and ultimate comfort. Step inside and and be greeted by an inviting open-concept main floor that features a gourmet kitchen with sleek stainless steel

    Steven Cao RE/MAX Results

    12262 71st St NE, Otsego, MN 55330

Showing Results 1 - 40, Page 1 of 3

Home Trends in Otsego, MN

Home Trends

Median Price (12 Mo)
$444,900
Median Single Family Price
$460,000
Median Townhouse Price
$357,500
Average Price Per Sq Ft
$201
Number of Homes for Sale
141
Last 12 months Home Sales
255
Months of Supply
6.60
Median List Price
$459,450
Median Discount From 1st List Price
0%
Median Home Sale Price YoY Change
3%
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