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 $1,544 (2026).

What school district is this property in?

This property is in the 2687 - Howard Lake-Waverly-Winsted school district.

How long has this property been on the market?

This property has been listed for 53 days.

Listed at

$199,000

$270/sqft

Luhmans Add

516 12th Street, Howard Lake, MN, 55349

1 Bedrooms1 Bathroom736 Square Feet0.191 Acres

Days on market53

Year built1920

ParkingConcrete

TypeResidential

Est. $2,970buyer credit when you buy with SODL

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About this home

Welcome to this stunning, newly renovated turnkey one-bedroom, one-bathroom home nestled in a quiet Howard Lake neighborhood. Thoughtfully designed layout creates an unexpected spacious feel, enhanced by 9-foot ceilings and a dramatic arched opening. Full basement offers excellent potential for additional bedrooms and a future bath. Fully remodeled in 2025, the home showcases all-new finishes and a fresh, modern design throughout. Light-filled and open, the main level features luxury plank flooring throughout and a beautifully updated kitchen with quartz countertops, stainless steel appliances, and abundant cabinetry flowing seamlessly into the dining and living areas. Large windows, recessed lighting, and an exposed beam add warmth and character to the living space. The spacious bedroom sits just steps from the stylishly updated ¾ bath with a lighted mirror and walk-in shower. Outside, enjoy a fully fenced backyard, oversized driveway, and extended concrete slab—ideal for a patio, entertaining, or extra parking. Three month old pergola on the patio can stay if desired. In 2025, the home underwent a complete interior remodel that included all new electrical wiring, switches, outlets, breakers, and light fixtures, as well as all new plumbing with updated water lines, drain lines, and fixtures. Additional improvements include a tankless on-demand water heater, new water softener, new sump pump, a brand-new HVAC system with all new ductwork, furnace, and A/C unit, new insulation in the exterior walls, new flooring, sheetrock, and paint throughout, new kitchen cabinetry, and all new interior and exterior doors. Don't judge by square footage- this one lives large!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1920

LevelsOne

Living area736 sqft

Above-grade finished736 sqft

Below-grade finished0 sqft

Lot size0.191 acres (50 x 167 x 50 x 167)

Days on market53

ListedApr 9, 2026

MLS #NST7052353

CountyWright

SubdivisionLuhmans Add

Parcel #109020001020

Facts & features

Interior

Bedrooms: 1
Bathrooms: 1
Bath breakdown: 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Chandelier, Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories: One
Parking features: Concrete
Patio & porch: Patio
Exterior features: Vinyl
Fencing: Full, Wood
Lot size: 0.191 acres

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 736 sqft
Roof: Age Over 8 Years, Pitched
Year built: 1920

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas

Community & HOA

Subdivision: Luhmans Add
HOA: No HOA
School district: 2687 - Howard Lake-Waverly-Winsted
High school district: Howard Lake-Waverly-Winsted

Financial & listing details

Annual tax: $1,544 (2026)
Listed: Apr 9, 2026
Days on market: 53 · 10 cumulative
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths0

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Unfinished

HeatingForced Air

CoolingCentral Air

LaundryIn Basement

AppliancesChandelier, Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningInformal Dining Room, Kitchen/Dining Room, Living/Dining Room

AmenitiesKitchen Window, Main Floor Primary Bedroom, Patio

AccessibilityNone

Special featuresMain Floor Bedroom

Exterior & lot

ExteriorVinyl

RoofAge Over 8 Years, Pitched

FoundationBlock

Foundation area736 sqft

Patio/porchPatio

Lot featuresTree Coverage - Light

Road frontageCity Street, Paved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingConcrete

Garage spaces0

Garage size0 sqft

Financial details

Annual taxes$1,544

Tax year2026

Taxes w/ assessments1544

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2687 - Howard Lake-Waverly-Winsted

District number2687

District phone3205433521

High schoolHoward Lake-Waverly-Winsted

SODL flat fee brokerage

$2,970Estimated buyer credit

SODL platform fee $3,000Your buyer credit $2,970

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.

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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

$1,241/mo

Principal & interest$1,046

Property taxes$129

Home insurance (est.)$66

Down payment

$39,800

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.