Pending
$1,740,000
$815/sqft

Cottage Park

4296 Cottage Park Road, White Bear Lake, MN, 55110
3  Bedrooms3  Bathrooms2,136  Square Feet0.091  Acres
Days on market23
Year built2000
Garage spaces2
HOA / month$50
TypeResidential
Est. $49,200buyer credit when you buy with SODL

About this home

Welcome to a beautifully appointed turnkey lakefront home on the sought-after west shore of White Bear Lake. Offering over 2,100 finished square feet, this exceptional residence is being offered fully furnished with tasteful lake-inspired décor, gas grill, dock, and boatlift included. Designed for effortless enjoyment, this home provides the rare opportunity to begin experiencing the lake lifestyle immediately on one of Minnesota’s most desirable lakes. Located in the highly desirable Cottage Park neighborhood, this home offers the perfect balance of peaceful waterfront living and convenient access to the community. A short five-minute walk brings you to White Bear Lake’s favorite restaurants, coffee shops, boutiques, live music venues, and local gathering places. From the moment you enter, expansive panoramic views of White Bear Lake capture your attention and become the heart of the home. The inviting screened porch and lakeside deck create wonderful spaces to enjoy morning coffee, evening gatherings, or quiet moments taking in the beauty of the water and the refreshing lake breeze. Inside, thoughtful details and comfortable spaces create a warm and inviting atmosphere. The custom stone gas fireplace anchors the spacious living room, while the open-concept layout seamlessly connects the living area, dining space, and eat-in kitchen. Perfect for entertaining family and friends, the kitchen features granite countertops, custom tile backsplash, stainless steel appliances, custom cabinetry with pull-out shelving, and a generous walk-in pantry. Nearly every room showcases beautiful lake views. A main-level bedroom, three-quarter bathroom, and abundant storage complete the first floor. Just steps from the home, the heated oversized detached two-car garage provides exceptional flexibility for vehicles, recreational equipment, lake gear, and additional storage. The upper level offers two additional bedrooms and two bathrooms, including a private primary suite designed to take full advantage of the breathtaking waterfront setting. A dramatic wall of windows frames spectacular lake views, while the private balcony offers the perfect retreat for morning coffee or sunset evenings. The suite also includes a custom built-in office workspace, spacious walk-in closet, and beautifully finished en suite bathroom. The upper level also features a generously sized third bedroom, full bathroom, and large laundry room with utility sink for added convenience. A unique feature of the home is the versatile lower-level storage area, accessible from both the kitchen pantry and exterior double doors. This flexible space is ideal for seasonal furnishings, lake toys, outdoor equipment, and storage needs. Step outside and experience the enjoyment of true lakefront living. With the included gas grill, dock, and boat lift, this home is ready for memorable summers on White Bear Lake. Whether boating, swimming, entertaining family and friends, or simply enjoying peaceful mornings and beautiful sunrises over the water, this property offers the relaxed lake lifestyle buyers dream about. An exceptional opportunity to own a beautifully furnished lakefront home in one of White Bear Lake’s most desirable neighborhoods—offering stunning views, thoughtful updates, and the convenience of a turnkey waterfront retreat.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2000
LevelsTwo
Living area2,136 sqft
Above-grade finished2,136 sqft
Below-grade finished0 sqft
Lot size0.091 acres (Irregular)
Days on market23
ListedJul 1, 2026
MLS #NST7101492
CountyRamsey
SubdivisionCottage Park
Parcel #233022420005

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Ductless Mini-Split, Forced Air
Cooling
Central Air, Ductless Mini-Split
Basement
Storage Space · 0 sqft finished

Property

Levels / stories
Two
Garage
2 spaces · 462 sqft
Parking features
Detached Garage
Exterior features
Stucco
Waterfront
Lake Front
Lot size
0.091 acres

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Combination, Concrete Perimeter · 1,068 sqft
Year built
2000

Utilities

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

Community & HOA

Subdivision
Cottage Park
HOA
$50/annual
HOA name
Cottage Park Homeowners Ass.
HOA phone
6513245221
HOA includes
None
School district
624 - White Bear Lake

Financial & listing details

Annual tax
$15,626 (2025)
Listed
Jul 1, 2026
Days on market
23
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementStorage Space
HeatingDuctless Mini-Split, Forced Air
CoolingCentral Air, Ductless Mini-Split
Fireplaces1
AccessibilityNone

Exterior & lot

ExteriorStucco
FoundationCombination, Concrete Perimeter
Foundation area1,068 sqft
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage
Garage spaces2
Garage size462 sqft

Financial details

Annual taxes$15,626
Tax year2025
Taxes w/ assessments15626
Assessment pendingNo
HOA fee$50
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District624 - White Bear Lake
District number624
District phone6514077500
High schoolWhite Bear Lake
SODL flat fee brokerage
$49,200Estimated buyer credit
SODL platform fee $3,000Your buyer credit $49,200

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

$11,077/mo
Principal & interest$9,144
Property taxes$1,302
Home insurance (est.)$580
HOA fees$50
%
$348,000
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

4296 Cottage Park Road, White Bear Lake, MN, 55110

Listing information

MLS #NST7101492
StatusPending
Last updatedJul 30, 2026, 5:54 PM
Originally listedJul 7, 2026, 8:47 AM
Listing officeHome Avenue Flat Fee 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.