Does this property have an HOA?

Yes. The HOA fee is $186 per month.

What are the annual property taxes?

Annual property taxes are $396 (2026).

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 was listed for 16 days.

Sold / Closed

$369,900

Sold price · Closed Jul 17, 2026

$242/sqft

Jewel Third Add

524 Cottonwood Circle, Lake City, MN, 55041

3 Bedrooms2 Bathrooms1,530 Square Feet0.34 Acres

Days on market16

Year built2026

Garage spaces2

HOA / month$186

TypeResidential

Est. $8,097buyer credit when you buy with SODL

About this home

New Construction with Stunning Bluff Views — Minutes from the Golf Course and Clubhouse. This thoughtfully designed three-bedroom, two-bath home blends modern comfort, style, and value with an open-concept layout, nine-foot ceilings, and abundant natural light throughout. The kitchen features quartz countertops, a center island, and stainless steel appliances. The bright dining area flows seamlessly into the inviting sunroom — to relax in. French doors open to a versatile flex room ideal for a den, home office, reading room, or cozy daybed for guests. The primary suite offers a private bath and spacious walk-in closet. Just off the sunroom, enjoy a spacious deck ideal for grilling, gathering, or taking in the peaceful surroundings. Additional highlights include an oversized two-car garage with pull-down attic storage, underground sprinklers, and fresh sod for a truly move-in ready experience. Located minutes from Lake Pepin, the marina, golf courses, parks, dining, and local shops, this home offers the perfect blend of recreation, natural beauty, and convenience. Experience scenic living in beautiful Lake City, where small-town charm meets outdoor adventure along the shores of one of Minnesota’s most picturesque lakes.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2026

LevelsOne

Living area1,530 sqft

Above-grade finished1,530 sqft

Below-grade finished0 sqft

Lot size0.34 acres (68x146x92x129)

Days on market16

ListedJun 4, 2026

New constructionYes

MLS #NST7082602

CountyWabasha

SubdivisionJewel Third Add

Parcel #R220212300

Facts & features

Interior

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

Property

Levels / stories: One
Garage: 2 spaces · 460 sqft
Parking features: Attached Garage, Concrete, Finished Garage, Garage Door Opener, Insulated Garage, Storage
Patio & porch: Deck, Front Porch
Exterior features: Engineered Wood, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Concrete
Foundation: Slab · 1,530 sqft
Roof: Age 8 Years or Less, Asphalt
New construction: Yes

Utilities

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

Community & HOA

Subdivision: Jewel Third Add
HOA: $186/annual
HOA name: Matik Management
HOA phone: 5072160064
HOA includes: Professional Mgmt
School district: 813 - Lake City

Financial & listing details

Annual tax: $396 (2026)
Listed: Jun 4, 2026
Days on market: 16
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementSump Pump

HeatingForced Air

CoolingCentral Air

LaundryElectric Dryer Hookup, Laundry Room, Main Level, Washer Hookup

AppliancesDishwasher, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances

DiningBreakfast Bar, Eat In Kitchen, Informal Dining Room, Living/Dining Room

AmenitiesCeiling Fan(s), Deck, French Doors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Paneled Doors, Porch, In-Ground Sprinkler, Sun Room, Tile Floors, Washer/Dryer Hookup, Walk-Up Attic

AccessibilityNone

Special features4 BR on One Level, Divided Bdr Flr Plan, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorEngineered Wood, Vinyl

RoofAge 8 Years or Less, Asphalt

FoundationSlab

Foundation area1,530 sqft

Patio/porchDeck, Front Porch

Road frontageCity Street, Cul De Sac

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Garage Door Opener, Insulated Garage, Storage

Garage spaces2

Garage size460 sqft

Financial details

Annual taxes$396

Tax year2026

Taxes w/ assessments396

Assessment pendingNo

HOA fee$186

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District813 - Lake City

District number813

District phone6513452198

High schoolLake City

SODL flat fee brokerage

$8,097Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,097

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

$2,286/mo

Principal & interest$1,944

Property taxes$33

Home insurance (est.)$123

HOA fees$186

Down payment

$73,980

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.