Listed at
$1,795,000
$363/sqft

Mahtomedi Heights

120 Spruce Street, Mahtomedi, MN, 55115
5  Bedrooms4  Bathrooms4,946  Square Feet0.277  Acres
Days on market0
Year built2026
Garage spaces2
HOA / month$200
TypeResidential
Est. $50,850buyer credit when you buy with SODL
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About this home

Welcome to Twin Peaks, a new creation from Zen Design Build in the highly ranked Mahtomedi School District, with DEEDED DOCK ACCESS to White Bear Lake just steps from your door. Built on a large 90-foot-wide lot with a back alley, this modern custom home has nearly 5,000 finished square feet and a design that stands out among the typical new builds of today. Numerous windows and enormous glass doors flood the home with light. The masterfully planned layout brings together luxury design, modern amenities, and functional excellence. The home is still under construction, so a buyer can personalize options, materials, and finishes if they act now. The main level sets the stage: hardwood floors, 9-foot ceilings, exposed steel beams, and an open great room that flows through 16-foot and 12-foot sliding doors to a massive deck overlooking the substantial yard. Entertain indoors and out with ease. The great room works as a cohesive whole. The chef's kitchen is built for gathering, with a huge island, a 48-inch refrigerator, and a butler's pantry for bonus counter and storage space. The dining area has space for a 10-12 foot table beside built-in buffet cabinets, and the family room has ample space to stretch out. A separate formal living room offers a fireplace, a bar, and a 12-foot double-sliding door to a small front deck. A sizable office with a closet, a luxurious powder room, and a generous mudroom connected to an oversized attached two-car garage with in-floor heat round out the main floor. Climb the open timber-frame stairs in the double-height entry to the second floor, where vaulted ceilings make every room feel extraordinary. The 660 sq ft primary suite is a private retreat with treetop views, a huge walk-in closet, and a spa-like bath with a wet room and a separate water closet. Three more generous bedrooms, a full bath, and a laundry room complete the upper level. The timber-frame stairs continue to the fully finished lower level, which has in-floor heat on its own thermostat. Here you'll find another large living space, a fifth bedroom with a three-quarter bath, and a bonus space for a home theater, gym, or wine room. Large windows and window wells in the family room and bedroom bring daylight into this level. An additional detached two-car garage is approved and available as an option at an additional cost. This home's value goes well beyond its appearance and finishes. Upgraded design and construction features are a hidden aspect of true luxury in a high-end home. The structural and system upgrades at 120 Spruce Street include: Kolbe Ultra windows and exterior doors with aluminum cladding and real wood interiors. Three layers of foundation waterproofing, plus interior and exterior drain tile. Floor trusses with L600 stiffness (vs. the industry standard of L240 or L360) and 1-1/8-inch AdvanTech subfloors with a squeak-free guarantee to ensure a quiet home with a sturdy feel. Three climate zones, a tankless hot-water heater, basement in-floor heat, and high-efficiency forced-air heating and A/C maximize comfort throughout the home and optimize your energy consumption. A standing-seam steel roof that provides superior durability and a lifespan well beyond that of asphalt shingles. Recessed LED lighting throughout the house, with smart dimmers in key areas. Superior insulation design throughout the home ensures that the structure will be comfortable and extra energy-efficient year-round: Huber Zip-R9 continuous exterior insulation and interior spray foam elevates the R-value of the walls to R-37+ (code R-20), foundation walls insulated with interior and exterior foam board to an R-value of R-31 (code R-15), basement slab insulated with two layers of 2-inch foam to an R-value of R-20 (code R-10). Spray foam insulation throughout the house and garage to ensure an airtight, highly insulated structure. DON’T MISS THIS RARE OPPORTUNITY to define your custom home with deeded access to White Bear Lake.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2026
LevelsTwo
Living area4,946 sqft
Above-grade finished3,396 sqft
Below-grade finished1,550 sqft
Lot size0.277 acres (90x125x91x143)
Days on market0
ListedOct 8, 2026
New constructionYes
MLS #NST7157270
CountyWashington
SubdivisionMahtomedi Heights
Parcel #2003021220046

Facts & features

Interior

Bedrooms
5
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air, Humidity Control, In-Floor Heating
Cooling
Central Air, Zoned
Appliances
Air-To-Air Exchanger, Dishwasher, Disposal, Exhaust Fan, Humidifier, Gas Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater

Property

Levels / stories
Two
Garage
2 spaces · 23.4x26.6 · 618 sqft
Parking features
Attached Garage, Concrete, Electric Vehicle Charging Station(s), Floor Drain, Finished Garage, Heated Garage, Insulated Garage
Exterior features
Engineered Wood
Waterfront
Association Access, Deeded Access
Lot size
0.277 acres

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Concrete, Frame
Foundation
Poured Concrete · 1,850 sqft
Roof
Age 8 Years or Less, Metal, Rubber
New construction
Yes

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
200+ Amp Service

Community & HOA

Subdivision
Mahtomedi Heights
HOA
$200/annual
HOA name
Spruce Street Dock Association
HOA phone
9206210295
HOA includes
Dock
School district
832 - Mahtomedi

Financial & listing details

Annual tax
$3,433 (2026)
Tax with assessments
3640
Listed
Oct 8, 2026
Days on market
0
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementDrain Tiled, Drainage System, Egress Window(s), Finished, Full, In-Floor Heat, Storage Space, Sump Basket, Sump Pump, Tile Shower
HeatingForced Air, Humidity Control, In-Floor Heating
CoolingCentral Air, Zoned
Fireplaces1
LaundryElectric Dryer Hookup, Laundry Room, Upper Level, Washer Hookup
AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Exhaust Fan, Humidifier, Gas Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater
DiningBreakfast Bar, Kitchen/Dining Room
AmenitiesDeck, Dock, Exercise Room, Hardwood Floors, Primary Bedroom Walk-In Closet, Skylight, Vaulted Ceiling(s), Washer/Dryer Hookup
AccessibilityNone
Special features2nd Floor Laundry, 4 BR on One Level, Primary Bdr Suite

Exterior & lot

ExteriorEngineered Wood
RoofAge 8 Years or Less, Metal, Rubber
FoundationPoured Concrete
Foundation area1,850 sqft
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Electric Vehicle Charging Station(s), Floor Drain, Finished Garage, Heated Garage, Insulated Garage
Garage spaces2
Garage size618 sqft

Financial details

Annual taxes$3,433
Tax year2026
Taxes w/ assessments3640
Assessment pendingNo
HOA fee$200
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District832 - Mahtomedi
District number832
District phone6514072001
High schoolMahtomedi
SODL flat fee brokerage
$50,850Estimated buyer credit
SODL platform fee $3,000Your buyer credit $50,850

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$10,518/mo
Principal & interest$9,433
Property taxes$286
Home insurance (est.)$598
HOA fees$200
%
$359,000
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

120 Spruce Street, Mahtomedi, MN, 55115

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Listing information

MLS #NST7157270
StatusActive
Last updatedOct 8, 2026, 9:26 PM
Originally listedOct 8, 2026, 2:57 PM
Listing officeWhite Bear Lake Realty

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. 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.