Does this property have an HOA?

Yes. The HOA fee is $300 per month.

What are the annual property taxes?

Annual property taxes are $3,626 (2025).

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 was listed for 2 days.

Pending

$335,000

$146/sqft

Southgate Condo Cic 21

408 Rako Street, Bemidji, MN, 56601

2 Bedrooms3 Bathrooms2,298 Square Feet1760 Acres

Days on market2

Year built2003

Garage spaces2

HOA / month$300

TypeResidential

Est. $7,050buyer credit when you buy with SODL

About this home

2BR/3BA Desirable Irvingboro Condo with lake access and amenities for the active lifestyle. Features 9' ceilings, large Anderson windows letting in natural light. Association includes trails, two private lakeside parks, marina access, kayak storage, and a community garden steps from your home. Steel and brick siding along with concrete form foundation is a plus. Home is ready to move into, well maintained, and has had recent home inspection to buyer.

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built2003

LevelsOne

Living area2,298 sqft

Above-grade finished1,330 sqft

Below-grade finished968 sqft

Lot size1760 acres (60'x36')

Days on market2

ListedMar 18, 2026

MLS #NST7037440

CountyBeltrami

SubdivisionSouthgate Condo Cic 21

Parcel #800556600

Facts & features

Interior

Bedrooms: 2
Bathrooms: 3
Bath breakdown: 1 full / 1 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 2 spaces · 24'x22' · 506 sqft
Parking features: Attached Garage, Asphalt, Shared Driveway, Insulated Garage
Patio & porch: Patio, Side Porch
Pool: None
Fencing: None

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Construction materials: ICFs (Insulated Concrete Forms)
Foundation: 1,292 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Asphalt
Year built: 2003

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 200+ Amp Service

Community & HOA

Subdivision: Southgate Condo Cic 21
HOA: $300/month
HOA name: Southgate Condo Association
HOA phone: 2187511228
HOA includes: Beach Access, Building Exterior, Dock, Hazard Insurance, Lawn Care, Other, Maintenance Grounds, Shared Amenities, Snow Removal
HOA amenities: Beach, Boat Slip, Dock, In-Ground Sprinkler System, Patio

Financial & listing details

Annual tax: $3,626 (2025)
Listed: Mar 18, 2026
Days on market: 2
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths1

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Egress Window(s), Finished, Full, Partially Finished, Storage Space

HeatingForced Air

CoolingCentral Air

LaundryElectric Dryer Hookup, Laundry Room, Main Level

AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningLiving/Dining Room

AmenitiesCable, Ceiling Fan(s), Dock, Exercise Room, French Doors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Paneled Doors, In-Ground Sprinkler, Washer/Dryer Hookup, Walk-In Closet

AccessibilityDoors 36"+, Hallways 42"+, Door Lever Handles, No Stairs External, Partially Wheelchair

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

RoofAge 8 Years or Less, Architectural Shingle, Asphalt

Foundation area1,292 sqft

Patio/porchPatio, Side Porch

Lot featuresTree Coverage - Medium

Road frontageCity Street, No Outlet/Dead End, Paved Streets, Private Road, Street Lights, Storm Sewer

Road responsibilityAssociation Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Shared Driveway, Insulated Garage

Garage spaces2

Garage size506 sqft

Financial details

Annual taxes$3,626

Tax year2025

Taxes w/ assessments3626

Assessment pendingNo

HOA fee$300

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1386

District phone2183333100

High schoolBemidji

SODL flat fee brokerage

$7,050Estimated buyer credit

SODL platform fee $3,000Your buyer credit $7,050

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

$2,474/mo

Principal & interest$1,761

Property taxes$302

Home insurance (est.)$112

HOA fees$300

Down payment

$67,000

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.