Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $2,930 (2025).

What school district is this property in?

This property is in the 813 - Lake City school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 40 days.

Listed at

$350,000

$157/sqft

Bluffview Add

1028 W Elm Street, Lake City, MN, 55041

4 Bedrooms2 Bathrooms2,234 Square Feet0.173 Acres

Days on market40

Year built1993

Garage spaces2

TypeResidential

Est. $7,500buyer credit when you buy with SODL

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About this home

Move-in ready and meticulously maintained, this 4 bedroom, 2 bath home has been thoughtfully updated inside and out. The main level offers three bedrooms, a full bath, laundry, and a beautiful kitchen refreshed with new countertops, backsplash, and updated flooring that ties it all together. You will appreciate the custom closet inserts to help keep your belongings organized. The lower level, finished in 2023, adds a spacious family room, 4th bedroom, full bath, bonus room, and a large storage area complete with a utility sink -- giving this home flexible space for guests, work, and play. Recent updates give buyers peace of mind for years to come, including all new windows (with transferable warranty), AC unit, washer & dryer, and lighting, just to name a few. Outside, the Trex deck offers a clean and inviting space to spend your days relaxing, and the backyard leaves plenty of room to garden and entertain. A 12x16 storage shed and newly landscaped perennial beds round out the exterior. This home is ready for you to move in and enjoy!

View this property at

Date

Sep 24, 2026

Time

9:30pm – 11pm

Address

1028 W Elm Street, Lake City, MN, 55041

Listed By: Lakeshore Real Estate Krage & • NST7129976 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1993

LevelsOne

Living area2,234 sqft

Above-grade finished1,234 sqft

Below-grade finished1,000 sqft

Lot size0.173 acres (90x101x90x99)

Days on market40

ListedAug 19, 2026

MLS #NST7129976

CountyWabasha

SubdivisionBluffview Add

Parcel #R220167700

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 638 sqft
Parking features: Attached Garage, Concrete, Finished Garage, Heated Garage, Insulated Garage
Patio & porch: Composite Decking, Deck
Exterior features: Vinyl
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 1,234 sqft
Roof: Asphalt
Year built: 1993

Utilities

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

Community & HOA

Subdivision: Bluffview Add
HOA: No HOA
School district: 813 - Lake City
High school district: Lake City

Financial & listing details

Annual tax: $2,930 (2025)
Listed: Aug 19, 2026
Days on market: 40
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementBlock, Egress Window(s), Finished, Full, Storage Space

HeatingForced Air

CoolingCentral Air

LaundryLaundry Room, Main Level

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer

DiningEat In Kitchen, Kitchen/Dining Room

AmenitiesDeck, Kitchen Window, Washer/Dryer Hookup

AccessibilityNone

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorVinyl

RoofAsphalt

FoundationBlock

Foundation area1,234 sqft

Patio/porchComposite Decking, Deck

Lot featuresTree Coverage - Light

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Heated Garage, Insulated Garage

Garage spaces2

Garage size638 sqft

Financial details

Annual taxes$2,930

Tax year2025

Taxes w/ assessments2930

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

$7,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $7,500

Buyer-side commission

3.0%

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.

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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

$2,200/mo

Principal & interest$1,839

Property taxes$244

Home insurance (est.)$117

Down payment

$70,000

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.