Sold / Closed
$595,000

Sold price · Closed Sep 4, 2026

5900 Otter Ridge Circle, White Bear Lake, MN, 55110

4  Bedrooms4  Bathrooms3,378  Square Feet0.22  Acres
Days on market46
Year built1995
Garage spaces3
Potential $15,000buyer credit when you buy with SODL

About this home

Spacious and sparkling 2-story walkout overlooking Otter Lake! This 4-bedroom, 4-bath home features 3 bedrooms on one level, an attached heated 3-car garage with in-floor heat and washing sink, hardwood floors, central vac, and a stunning 20-foot great room. Enjoy a spacious kitchen with ample cabinetry, counter space, center island and breakfast area, plus a roomy mudroom and main-floor laundry. The sun-filled living room offers a gas fireplace and patio doors to the deck, The walkout lower level includes an additional bedroom, 3/4 bath, wet bar, and plenty of storage, Located on quiet cul-de-sac close to dog park and easy access to 35E. A beautiful lake-view home with space, comfort, and style. You'll enjoy living here!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1995
LevelsTwo
Living area3,378 sqft
Above-grade finished2,371 sqft
Below-grade finished1,007 sqft
Lot size0.22 acres (65x139x101x200)
Days on market46
ListedJun 22, 2026
MLS #NST7096752
CountyRamsey
SubdivisionOverlook Point
Parcel #033022220015

Facts & features

Interior

Bedrooms
4
Bathrooms
4
Bath breakdown
1 full / 2 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Central Vacuum, Dishwasher, Dryer, Gas Water Heater, Range, Refrigerator, Stainless Steel Appliances, Water Softener Owned

Property

Levels / stories
Two
Garage
3 spaces · 35x23 · 805 sqft
Parking features
Attached Garage, Concrete, Finished Garage, Garage Door Opener, Heated Garage
Patio & porch
Deck, Patio
Exterior features
Aluminum Siding, Stone, Stucco
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 1,420 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1995

Utilities

Water
City Water - In Street
Sewer
City Sewer - In Street
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
Overlook Point
HOA
No HOA
School district
624 - White Bear Lake
High school district
White Bear Lake

Financial & listing details

Annual tax
$7,768 (2026)
Listed
Jun 22, 2026
Days on market
46
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths1
3/4 baths2
Half baths1
1/4 baths0
BasementBlock, Drain Tiled, Finished, Full, Storage Space, Sump Basket, Sump Pump, Walkout
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryLaundry Room, Main Level
AppliancesCentral Vacuum, Dishwasher, Dryer, Gas Water Heater, Range, Refrigerator, Stainless Steel Appliances, Water Softener Owned
DiningBreakfast Bar, Breakfast Area, Eat In Kitchen, Kitchen/Dining Room, Separate/Formal Dining Room
AmenitiesCable, Ceiling Fan(s), Deck, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Paneled Doors, Porch, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special features3 BR on One Level, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorAluminum Siding, Stone, Stucco
RoofAge Over 8 Years, Asphalt
FoundationBlock
Foundation area1,420 sqft
Patio/porchDeck, Patio
Lot featuresTree Coverage - Light
Road frontageCity Street, Cul De Sac, Curbs, Paved Streets, Storm Sewer
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water - In Street
SewerCity Sewer - In Street
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Garage Door Opener, Heated Garage
Garage spaces3
Garage size805 sqft

Financial details

Annual taxes$7,768
Tax year2026
Taxes w/ assessments7768
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
$15,000Estimated buyer credit
SODL platform fee $3,000Your buyer credit $15,000

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

$4,001/mo
Principal & interest$3,153
Property taxes$647
Home insurance (est.)$200
%
$120,000
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

5900 Otter Ridge Circle, White Bear Lake, MN, 55110

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Listing information

MLS #NST7096752
Last reported MLS statusClosed
MLS record updatedSep 4, 2026, 9:38 PM
Originally listedJun 25, 2026, 12:00 AM
Listing officeEdina Realty, Inc.

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.