12090 Lake Street SE, Mentor, MN 56736
2 Beds | 1 Bath | 1,150 Sq Ft | Single Family Home | MLS# 7129799
Is 12090 Lake Street SE a Good Deal?
BuyPulse Verdict
Premium Pricing
At $478/sqft — This home is priced 23% above the typical Mentor single-family home of $390/sqft.
Powered by the Realgorithm™ — 14 active Mentor listings · NorthstarMLS
$3,321/month Estimated
- Principal & interest
- $2,781
- Property taxes
- $190
- Home insurance (est.)
- $321
- Special assessments
- $29
- HOA dues
- None
20% down ($109,980) · 30-yr fixed, 6.5% · Can I afford this home?
Includes special assessments — the FM-metro cost most portals leave out. Estimates only; confirm before you offer.
Located in Luthers 2nd Sub Lot 007, Mentor, MN.
About This Home
Welcome to an adorable cabin perched on the shores of Maple Lake, offering classic lake living with everyday comfort. Built in 2013, this well-maintained property is move-in ready and is turn-key for your enjoyment. Step inside to a bright, efficient layout featuring a functional kitchen, comfortable living space, and large upper loft for plenty of extra sleeping space. Beautiful windows throughout add warmth and character. The real magic is outside: relax on the oversized deck and soak in the peaceful lake views, or head to the beach for easy access to the water. The boat house provides convenient storage for all of your lake toys. This cabin delivers the lake lifestyle without the upkeep of a larger property. Whether you're enjoying morning coffee over the water or launching the boat on a sunny afternoon, this is lake living at its simplest and best. Call today to schedule your private showing of this Maple Lake gem!
BuyPulse™ — Live Market Read
Homes like this one — single-family homes between $412K and $687K in Mentor:
- The field: 4 similar Mentor homes for sale — a short list right now.
Powered by the Realgorithm™ — real Mentor closings, zero guesses · NorthstarMLS
Key Features
- Built
- 2013
- Style
- Two
- HOA
- None
- Annual Taxes
- $2,285 (2026)
- Specials/yr
- $347
Property Details
- Property Type
- Single Family
- Above Grade Sq Ft
- 1,150
- Lot Size
- 0.173 acres
- Basement
- No
- Roof
- Asphalt
- Construction
- Brick, Concrete
- County
- Polk
- List Date
- 2026-08-23
- Days on Market
- 50 days
- Parcel ID
- 300046900
Financial
- Total Tax incl. Assessments
- $2,632
- Specials Pending
- No
Home Systems & Utilities
- Heating
- Baseboard
- Cooling
- Ductless Mini-Split
- Water
- Well
- Sewer
- Septic System Compliant - Yes
- Appliances
- Dryer, Microwave, Range, Refrigerator, Washer
Interior Features
- Laundry
- Main Level
Construction & Exterior
Construction & Structure
- Foundation Type
- Block
- Foundation Area
- 850 sqft
- Total Building Area
- 1,150 sqft
Exterior Features
- Exterior Features
- Vinyl
- Other Structures
- Boat House
- View
- Lake
- Accessibility Features
- Other
Parking & Garage
- Parking Features
- Open
Lot & Land
- Lot Features
- Accessible Shoreline
- Zoning Description
- Shoreline
Waterfront
- Waterfront
- Yes
Agent & Office
- List Office
- Coldwell Banker Crown, REALTORS
Price History
Listed at $549,900 on Aug 23, 2026 — No price changes
12090 Lake Street SE is listed in Mentor, MN, part of Polk County. Browse all Minnesota homes for sale on Modern Market REALTORS®.
Showing — 12090 Lake Street SE
Associate Broker · Modern Market REALTORS®
Your Mentor real estate expert since 2012 — I represent you, not the seller. Quick to respond, easy to text.
Listed by Coldwell Banker Crown, REALTORS · Shown by Modern Market REALTORS®
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View Full Listing & PhotosMLS# 7129799 · Data refreshed September 25, 2026
Similar Homes for Sale Near 12090 Lake Street SE, Mentor, MN
Frequently Asked Questions About 12090 Lake Street SE
- Is $549,900 a good price for a home in Mentor?
- According to BuyPulse, 12090 Lake Street SE rates Premium Pricing — at $478/sqft it's priced 23% above the typical Mentor single-family home of $390/sqft. Powered by the Realgorithm™. Browse Mentor homes for sale to compare.
- What are the special assessments at 12090 Lake Street SE — and what do they mean?
- This property has $347/yr in annual special assessments, with no specials pending. Special assessments are separate from property taxes — they are charges levied by the city for infrastructure improvements like streets, water, sewer, and sidewalks. Annual property taxes are $2,285/yr. Always factor both into your total monthly housing cost before making an offer.
What special assessments cost in Fargo-Moorhead — live figures on every home for sale.
- What type of heating and cooling does 12090 Lake Street SE have?
- 12090 Lake Street SE has Baseboard heating and Ductless Mini-Split cooling.
- Where is 12090 Lake Street SE located?
- 12090 Lake Street SE is in the Luthers 2nd Sub Lot 007 neighborhood of Mentor, MN 56736, in Polk County.
- Is 12090 Lake Street SE still available?
- 12090 Lake Street SE is currently pending. The seller may still accept backup offers — contact us to learn more.
- When was 12090 Lake Street SE built?
- 12090 Lake Street SE was built in 2013. It features brick, concrete construction, an asphalt roof, and a block foundation.
- Does 12090 Lake Street SE have main-floor laundry?
- Yes — the laundry at 12090 Lake Street SE is on the main level.
- How walkable is 12090 Lake Street SE?
- 12090 Lake Street SE has a Walk Score of 0/100 (Car-Dependent) and a Bike Score of 27/100 (Minimal Bike Infrastructure). Scores provided by Walk Score® →
- How many homes like 12090 Lake Street SE are for sale in Mentor?
- 4 similar homes (single-family homes between $412K and $687K in Mentor) are for sale right now — a short list right now.
- What does "BuyPulse" mean?
- BuyPulse™ is Modern Market REALTORS®’ live market-data brand for Fargo-Moorhead: cohort statistics — homes for sale, median days to pending, and share of sales closing at or over list price — computed from real NorthstarMLS closings, not estimates.
- What does "Realgorithm™" mean?
- The Realgorithm™ is Modern Market REALTORS®’ proprietary market-data engine — it computes every BuyPulse verdict from real NorthstarMLS closings (comparable active inventory, median days to pending, and sale-to-list price ratio) rather than an automated online estimate.
Local Companies to Help You Settle In
From inspection to closing to moving day, here are well-known local companies serving the Mentor area.
Listings courtesy of NorthstarMLS as distributed by MLS GRID
Based on information submitted to the MLS GRID as of 10/13/2026, 6:31 AM CDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively 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.