Listed at
$475,000
$112/sqft

South Oak Ridge Twnhms

1020 S Oak Street, Lake City, MN, 55041
4  Bedrooms3  Bathrooms4,234  Square Feet0.14  Acres
Days on market5
Year built2003
Garage spaces2
TypeResidential
Est. $11,250buyer credit when you buy with SODL
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About this home

Well-maintained and spacious twin home offering a comfortable, open floor plan with plenty of room to spread out. The main level features three bedrooms, including a generously sized primary suite with a large walk-in closet and attached 3/4 bathroom. Enjoy the convenience of main-floor laundry and an inviting layout ideal for everyday living and entertaining. Snuggle up in front of the fireplace on those cold MN winter nights. Off of the large eat-in kitchen, step outside to the patio in the backyard, perfect for relaxing or enjoying outdoor gatherings. The lower level adds even more versatility with a fourth bedroom, large family room, and additional storage space that could easily serve as a hobby room, home office, or flex space. The finished attached two-car garage provides added convenience and storage. Ideally located just one block from Lake Pepin, this home offers easy access to the lake and surrounding recreational opportunities. A great combination of space, functionality, and location.

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Home facts

Property typeResidential
Property subtype(TH) Side x Side
Year built2003
LevelsOne
Living area4,234 sqft
Above-grade finished2,129 sqft
Below-grade finished2,105 sqft
Lot size0.14 acres (68x94)
Days on market5
ListedSep 23, 2026
MLS #NST7148721
CountyWabasha
SubdivisionSouth Oak Ridge Twnhms
Parcel #R220218100

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
1 full / 2 3/4
Heating
Baseboard, Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Humidifier, Microwave, Range, Refrigerator, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
2 spaces · 22x22 · 484 sqft
Parking features
Attached Garage, Concrete, Finished Garage, Garage Door Opener
Patio & porch
Patio
Exterior features
Brick Veneer, Metal
Fencing
Composite

Construction

Property type
Residential
Property subtype
(TH) Side x Side
Construction materials
Block, Frame
Foundation
Block, Poured Concrete · 2,105 sqft
Roof
Age 8 Years or Less, Asphalt, Pitched
Year built
2003

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
South Oak Ridge Twnhms
HOA
No HOA
School district
813 - Lake City
High school district
Lake City

Financial & listing details

Annual tax
$5,112 (2026)
Listed
Sep 23, 2026
Days on market
5
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths2
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Full, Partially Finished, Storage Space
HeatingBaseboard, Forced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
LaundryElectric Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup
AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Humidifier, Microwave, Range, Refrigerator, Wall Oven, Washer, Water Softener Owned
DiningBreakfast Bar, Living/Dining Room
AmenitiesCable, Ceiling Fan(s), Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Vaulted Ceiling(s), Washer/Dryer Hookup
AccessibilityGrab Bars In Bathroom
Special features3 BR on One Level, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorBrick Veneer, Metal
RoofAge 8 Years or Less, Asphalt, Pitched
FoundationBlock, Poured Concrete
Foundation area2,105 sqft
Patio/porchPatio
Lot featuresTree Coverage - Light
Road frontageCity Street, Curbs, Paved Streets, Storm Sewer
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Garage Door Opener
Garage spaces2
Garage size484 sqft

Financial details

Annual taxes$5,112
Tax year2026
Taxes w/ assessments5112
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District813 - Lake City
District number813
District phone6513452198
High schoolLake City
SODL flat fee brokerage
$11,250Estimated buyer credit
SODL platform fee $3,000Your buyer credit $11,250

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$3,081/mo
Principal & interest$2,496
Property taxes$426
Home insurance (est.)$158
%
$95,000
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

1020 S Oak Street, Lake City, MN, 55041

Listing information

MLS #NST7148721
StatusActive
Last updatedSep 24, 2026, 4:58 PM
Originally listedSep 23, 2026, 6:06 PM
Listing officeLakeshore Real Estate Krage &

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.