Does this property have an HOA?

Yes. The HOA fee is $596 per month.

What are the annual property taxes?

Annual property taxes are $2,304 (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 has been listed for 17 days.

Listed at

$948,000

$336/sqft

Registered Land Surv 639 Tract

89 Spring Farm Road, North Oaks, MN, 55127

3 Bedrooms3 Bathrooms2,824 Square Feet0.14 Acres

Days on market17

Year built2026

Garage spaces2

HOA / month$596

TypeResidential

Est. $25,440buyer credit when you buy with SODL

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About this home

Discover the elegance of North Oaks' prestigious Spring Farm neighborhood! This exquisite Charles Cudd Twinhome masterfully combines striking architecture with sophisticated interior design, offering a functional layout that exudes timeless charm. Enjoy a carefree lifestyle with an HOA that takes care of exterior maintenance, including lawn care and snow removal. Experience the ease of main-level living, featuring an Owner's Suite with a spa-like bath and walk-in closet. The Gourmet Kitchen boasts a central island breakfast bar and a separate pantry, perfect for culinary enthusiasts! Main floor also includes an Office, a Great Room with a gas fireplace, Sun Room, Guest Bath, Mud Room, and Deck. The lower level extends your living space with a Family Room, a Wet Bar, Storage Room, 2 Bedrooms & a Full Bath. Plus, residents can take advantage of all the exceptional amenities North Oaks has to offer!

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built2026

LevelsOne

Living area2,824 sqft

Above-grade finished1,607 sqft

Below-grade finished1,217 sqft

Lot size0.14 acres (40x135x52x132)

Days on market17

ListedSep 11, 2026

MLS #NST7143003

CountyRamsey

SubdivisionRegistered Land Surv 639 Tract

Parcel #093022210115

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 half
Heating: Forced Air, In-Floor Heating, Zoned
Cooling: Central Air, Zoned
Appliances: Air-To-Air Exchanger, Cooktop, Dishwasher, Double Oven, Dryer, Exhaust Fan, Humidifier, Gas Water Heater, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 2 spaces · 535 sqft
Parking features: Attached Garage, Asphalt, Floor Drain, Insulated Garage
Patio & porch: Composite Decking, Covered, Deck, Front Porch
Exterior features: Cement Board
Fencing: None

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Foundation: Poured Concrete · 1,576 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Asphalt
Year built: 2026

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision: Registered Land Surv 639 Tract
HOA: $596/month
HOA name: North Oaks HOA & Spring Farm HOA
HOA phone: 6512331307
HOA includes: Beach Access, Building Exterior, Dock, Lawn Care, Maintenance Grounds, Professional Mgmt, Recreation Facility, Sanitation, Shared Amenities, Snow Removal
HOA amenities: Beach, Dock, In-Ground Sprinkler System, Tennis Courts, Trail(s)

Financial & listing details

Annual tax: $2,304 (2026)
Tax with assessments: 2340
Listed: Sep 11, 2026
Days on market: 17
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Drain Tiled, Finished, Full, Storage Space, Sump Pump

HeatingForced Air, In-Floor Heating, Zoned

CoolingCentral Air, Zoned

Fireplaces1

LaundryElectric Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup

AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Double Oven, Dryer, Exhaust Fan, Humidifier, Gas Water Heater, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

DiningBreakfast Bar, Informal Dining Room

AmenitiesCeiling Fan(s), Deck, Ethernet Wired, Kitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Porch, In-Ground Sprinkler, Sun Room, Wet Bar

AccessibilityNone

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

Exterior & lot

ExteriorCement Board

RoofAge 8 Years or Less, Architectural Shingle, Asphalt

FoundationPoured Concrete

Foundation area1,576 sqft

Patio/porchComposite Decking, Covered, Deck, Front Porch

Road frontageCurbs, Paved Streets, Private Road

Road responsibilityAssociation Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Floor Drain, Insulated Garage

Garage spaces2

Garage size535 sqft

Financial details

Annual taxes$2,304

Tax year2026

Taxes w/ assessments2340

Assessment pendingNo

HOA fee$596

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District624 - White Bear Lake

District number624

District phone6514077500

High schoolWhite Bear Lake

SODL flat fee brokerage

$25,440Estimated buyer credit

SODL platform fee $3,000Your buyer credit $25,440

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.

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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

$6,086/mo

Principal & interest$4,982

Property taxes$192

Home insurance (est.)$316

HOA fees$596

Down payment

$189,600

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.