Sold / Closed
$2,500,000

Sold price · Closed Aug 14, 2026

$771/sqft

Cottage Park

4304 Cottage Park Road, White Bear Lake, MN, 55110
4  Bedrooms4  Bathrooms3,500  Square Feet0.096  Acres
Days on market52
Year built2018
Garage spaces2
HOA / month$50
TypeResidential
Est. $78,000buyer credit when you buy with SODL

About this home

Welcome to a rare opportunity to own a custom-built Cape Cod-style lake home on the coveted west shore of White Bear Lake. Offering approximately 3,500 finished square feet, this exceptional property comes fully furnished with beautiful lake-inspired furniture and décor, allowing you to move in and immediately begin enjoying everything White Bear Lake has to offer this summer. Perfectly blending timeless charm, custom craftsmanship, modern amenities, and lakeside living, this home feels virtually new and is truly move-in ready. Located in the quiet and highly desirable Cottage Park neighborhood, you'll enjoy a short five-minute walk to some of White Bear Lake's favorite restaurants, live music venues, coffee shops, and local gathering places. With its classic architecture, premium finishes, and walkable location, this is a truly special opportunity to own one of the area's most distinctive lakefront homes. From the moment you enter, the breathtaking views of White Bear Lake command your attention. Two accordion-style glass door systems open wide to seamlessly blend indoor and outdoor living while allowing you to enjoy panoramic lake views from the comfort of your home. The screened openings provide the perfect setting to enjoy the fresh lake breeze without interruption. The custom brick wood-burning fireplace serves as the centerpiece of the living room, creating a warm and inviting atmosphere reminiscent of a luxury lakeside retreat. The open-concept design effortlessly connects the living room, dining area, and gourmet kitchen, making the space ideal for entertaining and large family gatherings. The kitchen is truly one-of-a-kind, highlighted by a custom boat-shaped center island that perfectly reflects the home's lakeside setting. Designed for both everyday living and entertaining, the kitchen features a walk-in pantry, separate butler's kitchen, Verona dual-fuel double-oven range, multiple Thermador refrigerator and freezer units, and four Fisher & Paykel dishwasher drawers. A convenient powder room completes the main level. The oversized attached two-car garage includes a custom vehicle lift, offering a unique amenity for car enthusiasts. Upstairs, you'll find three bedrooms and two bathrooms, including an extraordinary primary suite designed to feel like a private resort. The luxurious ensuite features a clawfoot soaking tub, custom-tiled walk-in shower, and an impressive private hot tub area overlooking the lake. Imagine ending each day while soaking in the hot tub and taking in the spectacular waterfront views. The upper level also includes a spacious second bedroom, a full hallway bathroom, and an oversized bonus bedroom that offers incredible flexibility for guests, a home office, recreation space, or additional sleeping accommodations. A charming spiral staircase provides convenient secondary access between levels (perfect space to install an elevator, if needed), while the large laundry room with granite countertops makes everyday living both functional and efficient. The finished lower level offers additional living space rarely found in comparable lakefront properties. Whether used as a media room, fitness area, game room, or flexible entertaining space, this level provides endless possibilities. An additional bedroom and three-quarter bathroom create an ideal setup for guests, extended family, or a private in-law suite. Step outside and experience one of the home's most impressive features. The backyard is designed to maximize enjoyment of White Bear Lake, with multiple outdoor entertaining areas, a massive deck, and spectacular waterfront views in every direction. Whether hosting summer gatherings, enjoying a peaceful morning by the water, or watching sun rises over the lake, this outdoor space delivers the ultimate lakefront lifestyle. This extraordinary custom home offers luxury, comfort, character, and an unmatched White Bear Lake location. Opportunities like this are exceptionally rare.

Contact us

Home facts

Property typeResidential
Property subtypeSingle Family
Year built2018
LevelsTwo
Living area3,500 sqft
Above-grade finished2,334 sqft
Below-grade finished1,166 sqft
Lot size0.096 acres (Irregular)
Days on market52
ListedJun 5, 2026
MLS #NST7087961
CountyRamsey
SubdivisionCottage Park
Parcel #233022420003

Facts & features

Interior

Bedrooms
4
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Basement
Finished · 1,166 sqft finished

Property

Levels / stories
Two
Garage
2 spaces · 350 sqft
Parking features
Attached Garage
Exterior features
Cement Board
Waterfront
Lake Front
Lot size
0.096 acres

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Poured Concrete · 1,166 sqft
Year built
2018

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
$20,468 (2025)
Listed
Jun 5, 2026
Days on market
52
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementFinished
HeatingForced Air
CoolingCentral Air
Fireplaces1
AccessibilityNone

Exterior & lot

ExteriorCement Board
FoundationPoured Concrete
Foundation area1,166 sqft
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage
Garage spaces2
Garage size350 sqft

Financial details

Annual taxes$20,468
Tax year2025
Taxes w/ assessments20468
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
$78,000Estimated buyer credit
SODL platform fee $3,000Your buyer credit $78,000

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

$16,845/mo
Principal & interest$14,190
Property taxes$1,706
Home insurance (est.)$900
HOA fees$50
%
$540,000
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

4304 Cottage Park Road, White Bear Lake, MN, 55110

Listing information

MLS #NST7087961
StatusClosed
Last updatedAug 14, 2026, 7:54 PM
Originally listedJun 12, 2026, 12:00 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.