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 $4,122 (2024).

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 370 days.

Listed at

$375,000

$117/sqft

City/Howard Lake

413 12th Street, Howard Lake, MN, 55349

4 Bedrooms3 Bathrooms3,201 Square Feet0.743 Acres

Days on market370

Year built1966

Garage spaces2

TypeResidential

Est. $8,250buyer credit when you buy with SODL

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About this home

Welcome to this spacious, unique Mid-Century style home with open floor plan and generous rooms on nearly 3/4 acre. This home has been tastefully renovated inside and out with new roof, newly painted siding, new: flooring, paint, bathrooms, lighting etc. Soaring vaults, five levels completely finished, with absolutely no wasted space. Primary has private bath with large soaking tub and two large closets. Three additional bedrooms on same level with new carpet and paint. Full bath has soaking tub separate from shower. Two enclosed porches for enjoying the outdoors with the comfort of indoors. Lower level family room OR game room OR theater room with wet bar. Quiet location with easy access to all amenities. Make this home yours today!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1966

LevelsFour or More Level Split

Living area3,201 sqft

Above-grade finished2,778 sqft

Below-grade finished423 sqft

Lot size0.743 acres (117 x 277)

Days on market370

ListedSep 22, 2025

MLS #NST6789590

CountyWright

SubdivisionCity/Howard Lake

Parcel #109500033102

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 2 full / 1 half
Heating: Baseboard, Ductless Mini-Split, Forced Air, In-Floor Heating
Cooling: Ductless Mini-Split, Wall Unit(s)
Appliances: Chandelier, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories: Four or More Level Split
Garage: 2 spaces · 10 x 18.3 x 11 · 393 sqft
Parking features: Attached Garage, Concrete, Garage Door Opener, Heated Garage, Insulated Garage, Storage, Tuckunder Garage
Patio & porch: Enclosed, Side Porch
Other structures: Storage Shed
Lot size: 0.743 acres

Construction

Property type: Residential
Property subtype: Single Family Residence
Foundation: 1,458 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1966

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 150 Amp Service

Community & HOA

Subdivision: City/Howard Lake
HOA: No HOA
School district: Howard Lake-Waverly-Winsted

Financial & listing details

Annual tax: $4,122 (2024)
Listed: Sep 22, 2025
Days on market: 370 · 122 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementBlock, Drain Tiled, Finished, Full, Sump Basket, Sump Pump

HeatingBaseboard, Ductless Mini-Split, Forced Air, In-Floor Heating

CoolingDuctless Mini-Split, Wall Unit(s)

Fireplaces1

LaundryLaundry Room, Main Level

AppliancesChandelier, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

DiningBreakfast Area, Eat In Kitchen, Informal Dining Room, Kitchen/Dining Room, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Kitchen Window, Patio, Porch, Skylight, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Wet Bar

AccessibilityNone

Special features4 BR on One Level, Main Floor Laundry, Primary Bdr Suite, Renovated

Exterior & lot

RoofAge 8 Years or Less, Asphalt

Foundation area1,458 sqft

Patio/porchEnclosed, Side Porch

Lot featuresTree Coverage - Light

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener, Heated Garage, Insulated Garage, Storage, Tuckunder Garage

Garage spaces2

Garage size393 sqft

Financial details

Annual taxes$4,122

Tax year2024

Taxes w/ assessments4122

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1212

District phone3205433521

High schoolHoward Lake-Waverly-Winsted

SODL flat fee brokerage

$8,250Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,250

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

$2,439/mo

Principal & interest$1,971

Property taxes$344

Home insurance (est.)$125

Down payment

$75,000

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.