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 $3,018 (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 67 days.

Listed at

$399,000

$196/sqft

Lake City

203 S Garden Street, Lake City, MN, 55041

4 Bedrooms2 Bathrooms2,032 Square Feet0.16 Acres

Days on market67

Year built1895

Garage spaces2

TypeResidential

Est. $8,970buyer credit when you buy with SODL

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About this home

Historic charm meets modern comfort in this beautifully updated 1895 home! Thoughtfully renovated while preserving its original character, this move-in-ready gem features the rare conveniences of a spacious main floor bedroom, laundry as well as a 3/4 bath! The remodeled kitchen shines with newer appliances, soft-close cabinetry and hard surface countertops. Additional updates include new paint, remodeled/new bathrooms, flooring and windows plus a new furnace. You'll be sure to fully appreciate the 4 extra large bedrooms, too. The freshly painted exterior is an attractive feature and, outside, a spacious new patio creates the perfect spot for relaxing and entertaining. Best of all, you're just a short walk away from downtown Lake City...the marina and waterfront, restaurants, shops, parks and schools. Enjoy the biking, hiking, boating, fishing and sailing opportunities just minutes away. Updated, charming and perfectly located - this is the one you don't want to miss!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1895

LevelsTwo

Living area2,032 sqft

Above-grade finished2,032 sqft

Below-grade finished0 sqft

Lot size0.16 acres (60 x 113)

Days on market67

ListedJul 17, 2026

MLS #NST7111514

CountyWabasha

SubdivisionLake City

Parcel #R220054900

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: Two
Garage: 2 spaces · 22 x 24 · 528 sqft
Parking features: Detached Garage
Patio & porch: Patio
Exterior features: Metal
Other structures: Garage(s)

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,112 sqft
Roof: Asphalt
Year built: 1895

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 100 Amp Service

Community & HOA

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

Financial & listing details

Annual tax: $3,018 (2025)
Listed: Jul 17, 2026
Days on market: 67
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementPartial

HeatingForced Air

CoolingCentral Air

LaundryMain Level

AppliancesDishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer

DiningInformal Dining Room

AccessibilityNone

Exterior & lot

ExteriorMetal

RoofAsphalt

FoundationBlock

Foundation area1,112 sqft

Patio/porchPatio

Lot featuresCorner Lot

Road frontageCity Street

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage

Garage spaces2

Garage size528 sqft

Financial details

Annual taxes$3,018

Tax year2025

Taxes w/ assessments3018

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

$8,970Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,970

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.

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

$2,481/mo

Principal & interest$2,097

Property taxes$252

Home insurance (est.)$133

Down payment

$79,800

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.