1320 N Garden Street

Lake City, MN
$ 349,900 Beds 3 Baths 2 Sq 1,968 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to this well-maintained and nicely updated one-owner ranch home in Lake City, just minutes from beautiful Lake Pepin! Offering comfortable main-level living, this home features 3 bedrooms and 2 bathrooms, including a bedroom with its own private bathroom. The lower level is partially finished and offers a spacious family room with a cozy gas fireplace, along with a large unfinished area providing plenty of storage or the opportunity to finish for additional living space. A standout feature is the oversized heated 3-car tandem-style garage, complete with durable epoxy flooring, perfect for vehicles, hobbies, and extra storage. Recent updates include a new roof, siding, HVAC system, appliances, window wells, driveway, and patio, providing peace of mind and making this home move-in ready. Enjoy the convenience of Lake City living with easy access to Lake Pepin, all while enjoying a comfortable home with thoughtful updates and plenty of space.

Single Family

  • Price
  • $ 349,900
  • City
  • Lake City
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • GOODHUE
  • Half Bathrooms
  • 0
  • Area
  • Willers 1st Ad
  • Lot Size
  • 0.33 Acres
  • Zip
  • 55041
  • Sqr Footage
  • 1,968
  • Year Built
  • 1996
  • Taxes
  • $ 3860
  • Style
  • Single Family
  • MLS#
  • 7146883
Listed By: Edina Realty, Inc.
Data Source: Northstar MLS (NSTAR)

Features

General

Living Area 1968
Sewer City Sewer/Connected
Heating Forced Air,Fireplace(s)
Cooling Central Air
Roof Age 8 Years or Less,Asphalt
Appliances Dishwasher,Disposal,Dryer,Humidifier,Gas Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener Owned
Garage Spaces 3
Pool Features None
Construction Materials Block
Year Built 1996
Levels One
Property Subtype Single Family
Tax Year 2025
Accessibility Partially Wheelchair
County Goodhue
New Construction No
Property Type Residential
HOA No
Contingency None
Subdivision Name Willers 1st Ad
Full Baths 1
Directions From Highway 61,turn onto W Monroe St,take right on N Garden St,home will be on the right.
City Lake City
High School District Lake City
Zoning Description Residential-Single Family
Lot Size Units Acres
Property Attached Y/N No
Land Lease Y/N No
Tax Annual Amount 3860
Additional Parcels Y/N No
Standard Status Active
Lender Owned No
PostalCity Lake City

Interior Features

Basement Block,Egress Window(s),Full,Partially Finished
Total Fireplaces 1
Fireplace Features Brick,Family Room,Gas
Basement (Y/N) Yes
Fireplace Y/N Yes
Above Grade Finished Area 1408
3/4 Baths 1
Laundry Features Laundry Room,Main Level,Sink
Total Bedrooms 3
Below Grade Finished Area 560
Total Baths 2
Bath Desc 3/4 Primary,Basement,Main Floor 3/4 Bath,Main Floor Full Bath,Rough In
Dining Room Description Informal Dining Room,Kitchen/Dining Room,Living/Dining Room
Fuel Natural Gas
Garage Square Feet 996

Exterior Features

Parking Features Attached Garage,Concrete,Garage Door Opener,Heated Garage,Insulated Garage,Tandem Garage
Water Source City Water/Connected
Lot Size Area 0.33
Building Area Total 2816
Lot Dimensions 93x140
Waterfront Y/N No
Foundation Area 1408
Road Frontage Type City Street,Paved Streets
Road Responsibility Public Maintained Road

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Faribault, MN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

9/22/2026 Listed $349,900

Property vs Zip Code Average in 55041

Price
AVG $450K
$350K
Taxes
AVG $3,965
$3,860
Year Built
AVG 1971
1996

1320 N Garden Street Lake City, MN is a Single Family Home for sale at $349900 with 1968 sqft and a lot size of 0.33 Acres Acre(s). 1320 N Garden Street Lake City has 3 bedrooms, 2 baths and was built in 1996. The property's zip code is 55041 which is in Lake City, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.