203 S Garden St, Lake City, MN, 55041
About This Home
Your first word will be "WOW" as you enter this remarkable home! As you look around, you'll find that everything has either been rehabbed, remodeled or renewed yet it still embraces the comforting feel of a beautiful 1895 home. As we know, it's difficult to find a home of this era with a larger main floor bedroom and a main floor laundry. Not to mention a main floor 3/4 bath! The show stopper could really be the kitchen with the new appliances, new cabinets (soft-closing!) and countertops. You'll also appreciate the new flooring and the new windows, the freshly painted exterior and the new furnace. It's just so lovely everywhere you look. The home has had a fabulously large outdoor patio added, too, so you may enjoy the spring/summer/fall days and nights outdoors. One big bonus of this home is that it's just a short walk to downtown, the marina/water and food/beverage establishments. There are some outstanding biking, hiking, sailing, fishing, wildlife viewing, skiing and boating opportunities just minutes (or less!) away. Quaint downtown shops, restaurants, parks and the schools...it's all right there! Please note that professional photos will be available soon.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1895
Materials
- Roof: Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Partial
Bedroom
- Level: Main
- Area: 187
- Dimensions: 11 x 17
Bedroom2
- Level: Upper
- Area: 238
- Dimensions: 14 x 17
Bedroom3
- Level: Upper
- Area: 156
- Dimensions: 13 x 12
Bedroom4
- Level: Upper
- Area: 195
- Dimensions: 15 x 13
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
- Area: 152
- Dimensions: 12'8" x 12
Features
- Finished area below ground: 0
- Finished area above ground: 2,032
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,492
- Total interior livable area: 2,032 sqft
Kitchen
- Level: Main
- Area: 120
- Dimensions: 12 x 10
Laundry
- Level: Main
- Area: 77
- Dimensions: 11 x 7
Living Room
- Level: Main
- Area: 270
- Dimensions: 18 x 15
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: R220054900
- Zoning description: Residential-Single Family
- Foundation area: 1112
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
Lot
- Lot size: 6,969 sqft
- Features: Corner Lot
- Lot size dimensions: 60 x 113
Parking
- Total spaces: 2
- Parking features: Detached Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Cold Wave
- Hail
- Inland Flooding
- Tornado
- Winter Weather
- Heat Wave
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Wabasha 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 | $2,149 | $25,788 |
| Home Insurance * | $255 | $3,060 |
| Property Taxes | $403 | $4,836 |
| Electricity | $171 | $2,056 |
| Total | $2,978 | $35,736 |
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 |
|---|---|---|
| 2026-08-11 | Price change | $409,900 |
| 2026-07-24 | Listed for sale | $425,000 |
| 2021-11-30 | Sold | $285,000 |
| 2021-10-09 | Pending sale | $289,900 |
| 2016-08-23 | Sold | $119,000 |
| 2016-07-21 | Pending sale | $124,900 |
| 2016-07-12 | Listed for sale | $124,900 |
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