Sold / Closed
$345,000

Sold price · Closed Aug 19, 2026

3511 Hilltop Street, White Bear Lake, MN, 55110

3  Bedrooms2  Bathrooms2,341  Square Feet0.322  Acres
Days on market7
Year built1960
Garage spaces1
Potential $7,170buyer credit when you buy with SODL

About this home

Welcome to this solid, one-family-owned home in one of White Bear Lake's most desirable and peaceful neighborhoods! Thoughtfully maintained by the same family since 1960, this timeless home is ready for its next chapter. The spacious floor plan offers large, sun-filled living areas with oversized windows showcasing beautiful views in every direction. Natural light fills the home, while cozy fireplaces create warm gathering spaces on both floors. The walk-out lower level features a second full kitchen, offering exceptional flexibility for multi-generational living, guests, rental potential, or other possibilities. The oversized primary bedroom could easily be converted into two separate bedrooms, creating 3 bedrooms on the upper level. In addition, the lower level offers an ideal space for a future bedroom with the addition of an egress window and a wall, providing the potential for a 5-bedroom home. Outside, enjoy the expansive hillside lot with mature trees, abundant wildlife, a spacious deck designed for entertaining and a beautiful backyard that bird lovers will truly appreciate. Located on a quiet street, you'll enjoy the peaceful setting while remaining just minutes from Ebba Park, Bellaire Beach, downtown White Bear Lake, Maplewood Mall, the YMCA, shopping, restaurants, and convenient access to I-694 and I-35E. Many of the major improvements have already been completed, including a new roof (2024), updated mechanicals, a beautifully remodeled bathroom, upgraded attic insulation, new lower-level carpeting, and more—allowing you to focus on making this home your own. Priced to offer exceptional value, this home presents an outstanding opportunity to personalize, build equity, and enjoy years of comfortable living. If you've been searching for a home with great bones, generous living space, solid construction, and endless possibilities in a fantastic neighborhood, this is one you won't want to miss. Schedule your showing today!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1960
LevelsOne
Living area2,341 sqft
Above-grade finished1,248 sqft
Below-grade finished1,093 sqft
Lot size0.322 acres (75x187)
Days on market7
ListedJul 8, 2026
MLS #NST7084173
CountyRamsey
SubdivisionLake View Terrace
Parcel #363022210087

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
2 3/4
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories
One
Garage
1 space · 13.5 x 25 · 338 sqft
Parking features
Attached Garage, Asphalt
Patio & porch
Deck, Front Porch
Exterior features
Stone, Wood
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 1,288 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
1960

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
Lake View Terrace
HOA
No HOA
School district
624 - White Bear Lake
High school district
White Bear Lake

Financial & listing details

Annual tax
$4,908 (2026)
Tax with assessments
2522
Listed
Jul 8, 2026
Days on market
7
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths0
3/4 baths2
Half baths0
1/4 baths0
BasementDaylight/Lookout Windows, Finished, Kitchenette, Storage Space, Walkout
HeatingForced Air
CoolingCentral Air
Fireplaces2
LaundryLower Level, Laundry Room
AppliancesDishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Washer
DiningLiving/Dining Room
AccessibilityNone
Special featuresMain Floor Bedroom

Exterior & lot

ExteriorStone, Wood
RoofAge 8 Years or Less, Asphalt
FoundationBlock
Foundation area1,288 sqft
Patio/porchDeck, Front Porch
Lot featuresTree Coverage - Medium
Road frontageCity Street, Paved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt
Garage spaces1
Garage size338 sqft

Financial details

Annual taxes$4,908
Tax year2026
Taxes w/ assessments2522
Assessment pendingUnknown
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
$7,170Estimated buyer credit
SODL platform fee $3,000Your buyer credit $7,170

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

$2,304/mo
Principal & interest$1,782
Property taxes$409
Home insurance (est.)$113
%
$67,800
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

3511 Hilltop Street, White Bear Lake, MN, 55110

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Listing information

MLS #NST7084173
Last reported MLS statusClosed
MLS record updatedAug 24, 2026, 7:12 PM
Originally listedJul 10, 2026, 12:00 AM
Listing officeJason Mitchell Real Estate Minnesota

Status reflects the latest MLS record available to SODL, not independently confirmed current availability. 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.