Does this property have an HOA?

Yes. The HOA fee is $450 per month.

What are the annual property taxes?

Annual property taxes are $7,336 (2026).

What school district is this property in?

This property is in the 624 - White Bear Lake school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property was listed for 77 days.

Sold / Closed

$506,000

Sold price · Closed Sep 30, 2026

$256/sqft

Cic 762 White Bear Gardens

5090 Kelly Court, White Bear Lake, MN, 55110

3 Bedrooms3 Bathrooms2,028 Square Feet0.05 Acres

Days on market77

Year built2006

Garage spaces2

HOA / month$450

TypeResidential

Est. $12,570buyer credit when you buy with SODL

About this home

Welcome to this beautiful one-level townhome, with a finished lower level, conveniently located close to downtown White Bear Lake. Step inside and enjoy the warmth of the hardwood floors and the inviting, two-sided, gas fireplace that offers wonderful ambiance throughout the main living spaces. The open-concept kitchen features granite countertops, abundant cabinetry, and flows seamlessly into the dining area, making it ideal for everyday living and entertaining. The spacious living room, with hardwood floors, offers a wonderful place to relax and the many windows fill the home with natural light. Enjoy the easy access to the deck, perfect for relaxing and outdoor dining. The main level primary suite provides comfort and convenience with new carpeting, a spacious walk-in closet, and private ensuite featuring a walk-in shower and soaking tub. The generously sized laundry room on the main level provides added convenience for storage and laundry. The finished lower level, also with new carpeting, expands your living space with a generous family room, two additional bedrooms, ideal for guests, office space, or a workout area, plus an additional storage room for all your storage needs. Enjoy low-maintenance living in an excellent location, nestled on a quiet cul-de-sac just blocks from vibrant downtown White Bear Lake, you'll enjoy walkability to restaurants, shops, salons, the White Bear Center for the Arts, and Hanifl Performing Arts Center. This 7-unit townhome community offers rare tranquility close to everything, yet tucked away in a great quiet neighborhood. Updates include: New paint (on most walls) throughout (2026), new carpeting (2025-26), Updates from 2021-2026 include double gas stove, dishwasher, furnace, roof, water heater and garbage disposal. furnace, roof, water heater and garbage disposal. Please note: The HOA will take care of replacing the landscaping/grass around the property as well as the repairing the sprinkler system.

Contact us

Write a message

Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built2006

LevelsOne

Living area2,028 sqft

Above-grade finished1,204 sqft

Below-grade finished824 sqft

Lot size0.05 acres (68x32)

Days on market77

ListedMay 29, 2026

MLS #NST7075374

CountyRamsey

SubdivisionCic 762 White Bear Gardens

Parcel #113022440114

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 1 full / 1 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Disposal, Gas Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 21x19 · 400 sqft
Parking features: Attached Garage, Asphalt, Finished Garage
Patio & porch: Deck
Exterior features: Stone, Vinyl
Lot size: 0.05 acres

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Construction materials: Block
Foundation: Block · 1,204 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2006

Utilities

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

Community & HOA

Subdivision: Cic 762 White Bear Gardens
HOA: $450/month
HOA name: White Bear Gardens
HOA phone: 6514020524
HOA includes: Building Exterior, Lawn Care, Maintenance Grounds, Sanitation, Snow Removal
School district: 624 - White Bear Lake

Financial & listing details

Annual tax: $7,336 (2026)
Listed: May 29, 2026
Days on market: 77
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths1

Half baths1

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Partially Finished, Sump Basket, Sump Pump

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Main Level, Washer Hookup

AppliancesDishwasher, Disposal, Gas Water Heater, Microwave, Range, Refrigerator, Washer

DiningInformal Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Main Floor Primary Bedroom, Paneled Doors, In-Ground Sprinkler, Washer/Dryer Hookup

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Laundry

Exterior & lot

ExteriorStone, Vinyl

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,204 sqft

Patio/porchDeck

Lot featuresCorner Lot

Road responsibilityAssociation Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Finished Garage

Garage spaces2

Garage size400 sqft

Financial details

Annual taxes$7,336

Tax year2026

Taxes w/ assessments7336

Assessment pendingNo

HOA fee$450

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

$12,570Estimated buyer credit

SODL platform fee $3,000Your buyer credit $12,570

Buyer-side commission

3.0%

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

$3,962/mo

Principal & interest$2,728

Property taxes$611

Home insurance (est.)$173

HOA fees$450

Down payment

$103,800

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.