612 S Oak St, Lake City, MN, 55041
About This Home
Beautifully renovated 1899 'Vintage Historical' home! A must see to appreciate all the care and meticulous work completed to modernize this home, yet preserving much of the intended character of the late 19th Century! 'MINT' condition home, located on the original main 'stage coach' line of the horse and buggy times but, still with a partial view of Lake Pepin! Only a short 1 1/2 block to the beach and lakeshore. Main floor has gorgeous immediate open staircase and entry! 'High end' modern kitchen, with center bar, eat-in or informal dining. Home office, family room, living room with original 1899 window configurations, along with a very inviting sunroom off the kitchen area. 4 Bedrooms on upper level, with 'primary' bedroom a large vintage style suite fitting of luxury homes of royalty! Private bath, walk-in closet, with stunning views towards the river, with original 1899 window configuration for panoramic views towards Lake Pepin. Windows still are with a charming 19th century feel, but all are newer with newer steel siding and roof. Mechanicals, electrical, are all updated. Basement has plenty of headroom and updated to modern basement standards. Stone and block, easy and clean basement to enjoy. Complete your tour in person, don't miss this one!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1899
Materials
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bathroom
- Level: Main
Bathroom
- Level: Upper
Bathroom
- Level: Upper
Bedroom
- Level: Upper
Bedroom2
- Level: Upper
Bedroom3
- Level: Upper
Bedroom4
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Family Room
- Level: Main
Features
- Finished area below ground: 0
- Finished area above ground: 2,706
Heating & Cooling
- Heating features: Fireplace(s)
- Cooling features: Central Air
Informal Dining Room
- Level: Main
Interior Area
- Total structure area: 3,465
- Total interior livable area: 3,465 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Office
- Level: Main
Sun Room
- Level: Main
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: R220057500
- Zoning description: Residential-Single Family
- Foundation area: 759
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 9,147 sqft
- Features: Tree Coverage - Light
- Lot size dimensions: 60 x 150
Parking
- Total spaces: 2
- Parking features: Detached Garage,Asphalt,Shared Driveway
- 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
- 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 | $1,946 | $23,352 |
| Home Insurance * | $231 | $2,772 |
| Property Taxes | $375 | $4,500 |
| Electricity | $292 | $3,506 |
| Total | $2,844 | $34,128 |
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 |
|---|---|---|
| 2025-06-18 | Listing removed | $389,900 |
| 2024-12-09 | Listed for sale | $389,900 |
| 2005-01-21 | Sold | $60,000 |
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