Primary property photo
New listing
Listed at
$445,000
$280/sqft

5118 Otter Lake Road

5118 Otter Lake Road, White Bear Lake, MN, 55110
3  Bedrooms2  Bathrooms1,589  Square Feet0.512  Acres
Days on market0
Year built1950
Garage spaces2
TypeResidential
Est. $10,350buyer credit when you buy with SODL
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About this home

Rare opportunity! Nicely updated home on a huge lot with a non-conforming 4th bedroom. Located next to a 320-acre wildlife preserve with an entrance across the street, offering endless views of wildlife, water, and nature trails.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1950
LevelsOne and One Half
Living area1,589 sqft
Above-grade finished1,533 sqft
Below-grade finished56 sqft
Lot size0.512 acres (95 x 235)
Days on market0
ListedSep 25, 2026
MLS #NST7150349
CountyRamsey
Parcel #103022430088

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air
Cooling
Central Air
Laundry
In Basement, Lower Level

Property

Levels / stories
One and One Half
Garage
2 spaces · 400 sqft
Parking features
Detached Garage
Exterior features
Steel Siding
Pool
None
Fencing
Chain Link

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 1,040 sqft
Roof
Age 8 Years or Less
Year built
1950

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
200+ Amp Service

Community & HOA

HOA
No HOA
School district
624 - White Bear Lake
High school district
White Bear Lake

Financial & listing details

Annual tax
$4,218 (2026)
Listed
Sep 25, 2026
Days on market
0
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Partially Finished
HeatingForced Air
CoolingCentral Air
LaundryIn Basement, Lower Level
AmenitiesLocal Area Network
AccessibilityNone
Special featuresMain Floor Bedroom, Renovated

Exterior & lot

ExteriorSteel Siding
RoofAge 8 Years or Less
FoundationBlock
Foundation area1,040 sqft
Lot featuresCorner Lot
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage
Garage spaces2
Garage size400 sqft

Financial details

Annual taxes$4,218
Tax year2026
Taxes w/ assessments4218
Assessment pendingYes
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
$10,350Estimated buyer credit
SODL platform fee $3,000Your buyer credit $10,350

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

$2,838/mo
Principal & interest$2,339
Property taxes$352
Home insurance (est.)$148
%
$89,000
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

5118 Otter Lake Road, White Bear Lake, MN, 55110

Map of 5118 Otter Lake RoadStreet View

Listing information

MLS #NST7150349
StatusActive
Last updatedSep 30, 2026, 10:09 AM
Originally listedSep 30, 2026, 12:00 AM
Listing officeWeichert, Realtors-Advantage

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.