Listed at
$629,900
$410/sqft

Ella J Cobbs Add To, Whi

2251 11th Street, White Bear Lake, MN, 55110
2  Bedrooms2  Bathrooms1,536  Square Feet0.16  Acres
Days on market39
Year built2019
Garage spaces2
TypeResidential
Est. $15,897buyer credit when you buy with SODL
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About this home

A truly exceptional custom-built one-story home offering incredible flexibility—with the feel of one spacious home or two completely separate living spaces. The main level is defined by three incredible porches, each offering its own unique experience. The inviting front porch enjoys beautiful southern exposure, ceiling fans, and a built-in swing—perfect for morning coffee or relaxing with friends. The fully screened side porch is a showstopper, featuring a wood-burning stove and swinging daybed, creating the perfect retreat in every season. Step onto the private back porch and enjoy a peaceful, tranquil setting. Inside, the main level is filled with natural light and character, featuring beautiful hardwood floors, a gas fireplace, extensive built-ins, and thoughtful details throughout. A stunning ¾ bath with heated floors and a dedicated built-in office add both comfort and functionality. The spacious lower-level accessory unit offers exceptional versatility with its own private entrance, full kitchen with stainless steel appliances, full bath, separate laundry, and furnishings included. Whether used for extended family, guests, entertaining, additional living space, or rental potential, the possibilities are endless. This location is hard to beat. Enjoy the vibrant downtown White Bear Lake lifestyle, where walkability and community are at the heart of it all. With easy access to the lake, beaches, parks, trails, restaurants, shopping, and countless local amenities, this one-of-a-kind property offers a rare combination of charm, flexibility, privacy, and convenience.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2019
LevelsOne
Living area1,536 sqft
Above-grade finished882 sqft
Below-grade finished654 sqft
Lot size0.16 acres (47x151)
Days on market39
ListedAug 18, 2026
MLS #NST7128264
CountyRamsey
SubdivisionElla J Cobbs Add To, Whi
Parcel #143022110078

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air, Fireplace(s), Wood Stove
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Wall Oven

Property

Levels / stories
One
Garage
2 spaces · 20x20 · 400 sqft
Parking features
Detached Garage, Asphalt, Garage Door Opener
Patio & porch
Front Porch, Rear Porch, Screened, Side Porch
Exterior features
Cement Board
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Poured Concrete · 882 sqft
Roof
Age 8 Years or Less
Year built
2019

Utilities

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

Community & HOA

Subdivision
Ella J Cobbs Add To, Whi
HOA
No HOA
School district
624 - White Bear Lake
High school district
White Bear Lake

Financial & listing details

Annual tax
$8,043 (2026)
Tax with assessments
8982
Listed
Aug 18, 2026
Days on market
39
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementFinished, Full
HeatingForced Air, Fireplace(s), Wood Stove
CoolingCentral Air
Fireplaces2
LaundryLower Level, Main Level
AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Wall Oven
DiningEat In Kitchen, Informal Dining Room
AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Window, Natural Woodwork, Paneled Doors, Porch, In-Ground Sprinkler, Tile Floors
AccessibilityNone
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorCement Board
RoofAge 8 Years or Less
FoundationPoured Concrete
Foundation area882 sqft
Patio/porchFront Porch, Rear Porch, Screened, Side Porch
Lot featuresTree Coverage - Medium
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Asphalt, Garage Door Opener
Garage spaces2
Garage size400 sqft

Financial details

Annual taxes$8,043
Tax year2026
Taxes w/ assessments8982
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District624 - White Bear Lake
District number624
District phone6514077500
High schoolWhite Bear Lake
SODL flat fee brokerage
$15,897Estimated buyer credit
SODL platform fee $3,000Your buyer credit $15,897

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

$4,191/mo
Principal & interest$3,310
Property taxes$670
Home insurance (est.)$210
%
$125,980
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

2251 11th Street, White Bear Lake, MN, 55110

Listing information

MLS #NST7128264
StatusActive
Last updatedSep 25, 2026, 8:15 PM
Originally listedAug 21, 2026, 12:00 AM
Listing officeTwin Cities Real Estate

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.