
Cottage Park
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
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
Exterior & lot
Utilities
Parking & garage
Financial details
Schools
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
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
Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.
