26 Garden Ct, Lake City, MN, 55041
About This Home
Welcome home to this beautifully maintained 3-bedroom home nestled at the end of a peaceful cul-de-sac. Designed with quality craftsmanship and comfortable living in mind, this spacious home offers an exceptional floor plan and an abundance of desirable features. The inviting kitchen showcases custom oak cabinetry, under-cabinet lighting, a center island, oak flooring, and a walk-in pantry with convenient pull-out drawers for exceptional storage. A solar tube brightens the back hallway near the half bath, adding natural light to the home. Relax year-round in the 4-season porch overlooking the beautifully landscaped backyard and large patio with pergola, creating the perfect setting for entertaining family and friends. The living room features a vaulted ceiling and cozy gas fireplace, while the front den provides the ideal space for a home office, library, or sitting room. Natural woodwork and six-panel doors throughout add timeless warmth and character. The spacious primary suite includes a walk-in closet, and the convenience of main-floor laundry makes everyday living easy. The finished lower level is designed for fun and relaxation with a large family room, wet bar, recreation area, second gas fireplace, and daylight egress windows that fill the space with natural light. The pool table can remain, making this level ready for entertaining from day one. Additional features include a finished oversized 2-car attached garage with a convenient stairway to the lower level for easy access and storage. Located within walking distance of the River Walk, this exceptional home combines quality construction, generous living spaces, and an outstanding location. Updates include Roof 2021, Hvac 2019, Water Heater, 2023, Refrigerator 2016, Stove 2022, Dishwasher 2020, Valley Seamless Gutter System 2015. Don't miss the opportunity to make it yours!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Roof: Architectural Shingle,Asphalt,Pitched
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Electronic Air Filter,Gas Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Laundry Room,Main Level,Sink,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Egress Window(s),Finished,Full
Bathroom
- Level: Main
Bathroom
- Level: Lower
Bedroom
- Level: Main
- Area: 195
- Dimensions: 15x13
Bedroom2
- Level: Main
- Area: 169
- Dimensions: 13x13
Bedroom3
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Den
- Level: Main
Dining Room
- Level: Main
- Area: 168
- Dimensions: 12x14
Features
- Number of fireplaces: 2
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 1,000
- Finished area above ground: 1,932
Great Room
- Level: Lower
- Area: 288
- Dimensions: 18x16
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,012
- Total interior livable area: 2,932 sqft
Kitchen
- Level: Main
- Area: 288
- Dimensions: 18x16
Laundry
- Level: Main
- Area: 63
- Dimensions: 9x7
Living Room
- Level: Main
- Area: 352
- Dimensions: 22x16
Other
- Level: Lower
Other
- Level: Main
- Area: 144
- Dimensions: 18x8
Patio
- Level: Main
Primary Bathroom
- Level: Main
Utility Room
- Level: Lower
- Area: 360
- Dimensions: 30x12
Property
Accessibility
- Accessibility features: Partially Wheelchair,Accessible Approach with Ramp
Details
- Parcel number: 542510040
- Zoning description: Residential-Single Family
- Foundation area: 1860
Features
- Levels: One
- Stories: 1
- Patio & porch: Enclosed,Patio,Porch
Lot
- Lot size: 0.47 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 137.70 x 158.50 x 137.70 x 135.90
Parking
- Total spaces: 2
- Parking features: Attached,Concrete,Garage,Garage Door Opener,Insulated Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Strong Wind
- Hail
- Inland Flooding
- Tornado
- Winter Weather
- Cold Wave
- Drought
- Landslide
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Goodhue County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,527 | $30,324 |
| Home Insurance * | $301 | $3,612 |
| Property Taxes | $408 | $4,896 |
| Electricity | $247 | $2,967 |
| Total | $3,483 | $41,796 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-18 | Price change | $464,500 |
| 2026-07-30 | Price change | $499,900 |
| 2026-07-13 | Listed for sale | $525,000 |
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