Sold / Closed
$415,000

Sold price · Closed Jul 24, 2026

5441 Ridgeway Street, White Bear Twp, MN, 55110

4  Bedrooms2  Bathrooms2,400  Square Feet0.27  Acres
Days on market72
Year built1906
Garage spaces2
Potential $8,940buyer credit when you buy with SODL

About this home

VA, FHA, & Conventional financing welcome! Rare opportunity to own a charming vintage home near Bald Eagle Lake! This 4BR/2BA home offers 2,400 finished square feet just a half block from the lake in White Bear Township. Enjoy hardwood floors, lake views, an open-concept living/dining/family room with a fireplace, and a spacious kitchen featuring granite countertops, stainless steel appliances, a new garbage disposal, pantry space, and a breakfast bar. The main level includes a large primary bedroom with Andersen replacement windows, a separate ¾ bath, and main-floor laundry for convenient one-level living. Upstairs you'll find three additional bedrooms, a full bath, and additional lake views. The walk-out lower level offers a family room, an office, a second washer and dryer, and abundant storage space. Outside, enjoy a fenced yard with beautiful perennial gardens, a paver brick patio, deck, hot tub, storage shed, and an oversized 30x20 detached garage/workshop with a 220V outlet. Recent updates include a new high-efficiency furnace with central air (2025), plus improvements to exterior paint, garage siding, and electrical. Conveniently located near the public boat launch on Bald Eagle Lake, parks, trails, and just minutes from downtown White Bear Lake. Recent improvements may support FHA and VA financing eligibility (buyers to verify with their lender).

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1906
LevelsOne and One Half
Living area2,400 sqft
Above-grade finished1,810 sqft
Below-grade finished590 sqft
Lot size0.27 acres (119x96x117x95)
Days on market72
ListedApr 1, 2026
MLS #NST7045188
CountyRamsey
SubdivisionShady Side Add To, Bald Ea
Parcel #123022220053

Facts & features

Interior

Bedrooms
4
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories
One and One Half
Garage
2 spaces · 20x30 · 600 sqft
Parking features
Detached Garage, Asphalt, Electric, Garage Door Opener
Patio & porch
Deck, Patio, Rear Porch
Exterior features
Metal, Wood
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 1,272 sqft
Roof
Architectural Shingle, Asphalt, Pitched
Year built
1906

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Electric, Natural Gas
Electric
Circuit Breakers, 150 Amp Service

Community & HOA

Subdivision
Shady Side Add To, Bald Ea
HOA
No HOA
School district
624 - White Bear Lake
High school district
White Bear Lake

Financial & listing details

Annual tax
$5,922 (2026)
Listed
Apr 1, 2026
Days on market
72
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Finished, Storage Space, Walkout
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
LaundryIn Basement, Electric Dryer Hookup, Gas Dryer Hookup, In Kitchen, Laundry Closet, Main Level, Washer Hookup
AppliancesDishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned
DiningBreakfast Bar, Living/Dining Room
AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Hot Tub, Kitchen Window, Main Floor Primary Bedroom, Patio, Tile Floors, Washer/Dryer Hookup
AccessibilityNone
Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorMetal, Wood
RoofArchitectural Shingle, Asphalt, Pitched
FoundationBlock
Foundation area1,272 sqft
Patio/porchDeck, Patio, Rear Porch
Lot featuresTree Coverage - Medium
Road frontagePaved Streets, Township
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelElectric, Natural Gas

Parking & garage

ParkingDetached Garage, Asphalt, Electric, Garage Door Opener
Garage spaces2
Garage size600 sqft

Financial details

Annual taxes$5,922
Tax year2026
Taxes w/ assessments5922
Assessment pendingUnknown
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
$8,940Estimated buyer credit
SODL platform fee $3,000Your buyer credit $8,940

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

$2,718/mo
Principal & interest$2,092
Property taxes$494
Home insurance (est.)$133
%
$79,600
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

5441 Ridgeway Street, White Bear Twp, MN, 55110

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Listing information

MLS #NST7045188
Last reported MLS statusClosed
MLS record updatedJul 24, 2026, 8:55 PM
Originally listedApr 2, 2026, 12:00 AM
Listing officeRE/MAX Results

Status reflects the latest MLS record available to SODL, not independently confirmed current availability. 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.