Listed at
$650,000
$433/sqft

Stewarts Sub Of, Block

2345 5th Street, White Bear Lake, MN, 55110
2  Bedrooms2  Bathrooms1,500  Square Feet0.154  Acres
Days on market234
Year built1923
Garage spaces2
TypeResidential
Est. $16,500buyer credit when you buy with SODL
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About this home

Charming home in highly desired downtown White Bear Lake just steps away from the lake! Featuring high wood-paneled ceilings, expansive picture windows, hardwood floors, and a fireplace, this home welcomes you with warmth and an abundance of natural light. Enjoy the convenience of an attached garage with a mud room as well as an updated kitchen and primary bathroom. New furnace, water heater, and roof all within the last 5 years. Gorgeous views of White Bear Lake out your front windows as well as from your front porch. Unbeatable downtown White Bear Lake location next to the shores of White Bear Lake and the Lakeshore Path. Enjoy walkable access to the beach, marina, and iconic local favorites like Washington Square, Cup and Cone, Anchor Coffee House, Brickhouse Food & Drink, and local boutiques. Spend your mornings on the lake path, afternoons at the beach, and evenings enjoying live music, dining, and seasonal events right outside your door. With festivals, farmers markets, and year-round lake activities nearby, this is a rare opportunity to live in the heart of one of Minnesota’s most beloved lake communities—right next to the water.

View this property at

Date
Feb 28, 2026
Time
8pm – 10pm
Address
2345 5th Street, White Bear Lake, MN, 55110

Listed By: Coldwell Banker Realty • NST6822344 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1923
LevelsOne
Living area1,500 sqft
Above-grade finished1,500 sqft
Below-grade finished0 sqft
Lot size0.154 acres (50 x 140)
Days on market234
ListedFeb 4, 2026
MLS #NST6822344
CountyRamsey
SubdivisionStewarts Sub Of, Block
Parcel #133022230107

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
2 full
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
One
Garage
2 spaces · 528 sqft
Parking features
Attached Garage, Gravel, Asphalt
Other structures
Storage Shed
View
Lake
Waterfront
Lake View

Construction

Property type
Residential
Property subtype
Single Family Residence
Foundation
1,500 sqft
Year built
1923

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas

Community & HOA

Subdivision
Stewarts Sub Of, Block
HOA
No HOA
School district
White Bear Lake

Financial & listing details

Annual tax
$6,884 (2025)
Listed
Feb 4, 2026
Days on market
234
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths2
3/4 baths0
Half baths0
1/4 baths0
BasementCrawl Space, Storage Space, Unfinished
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryMain Level
AppliancesDishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningEat In Kitchen, Separate/Formal Dining Room
AmenitiesCable, Ceiling Fan(s), Deck, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup
AccessibilityNo Stairs Internal
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

Foundation area1,500 sqft
Road frontagePaved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Gravel, Asphalt
Garage spaces2
Garage size528 sqft

Financial details

Annual taxes$6,884
Tax year2025
Taxes w/ assessments6884
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2099
District phone6514077500
High schoolWhite Bear Lake
SODL flat fee brokerage
$16,500Estimated buyer credit
SODL platform fee $3,000Your buyer credit $16,500

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

$4,206/mo
Principal & interest$3,416
Property taxes$574
Home insurance (est.)$217
%
$130,000
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

2345 5th Street, White Bear Lake, MN, 55110

Listing information

MLS #NST6822344
StatusActive
Last updatedFeb 12, 2026, 10:19 PM
Originally listedFeb 7, 2026, 12:00 AM
Listing officeColdwell Banker 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.