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Hatch Brokered by Real

| Hatch Brokered by Real | Real Brokerage LLC | PLACE

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4296 Cottage Park Rd , White Bear Lake, MN 55110
$1,740,000
Est. Payment: $8,989.66/mo
3 Bed
3 Bath
2136 Sqft
Status: Pending | Days on site: 23
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5552 - 892010430
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House Description

Welcome to a beautifully appointed turnkey lakefront home on the sought-after west shore of White Bear Lake. Offering over 2,100 finished square feet, this exceptional residence is being offered fully furnished with tasteful lake-inspired décor, gas grill, dock, and boatlift included. Designed for effortless enjoyment, this home provides the rare opportunity to begin experiencing the lake lifestyle immediately on one of Minnesota’s most desirable lakes. Located in the highly desirable Cottage Park neighborhood, this home offers the perfect balance of peaceful waterfront living and convenient access to the community. A short five-minute walk brings you to White Bear Lake’s favorite restaurants, coffee shops, boutiques, live music venues, and local gathering places. From the moment you enter, expansive panoramic views of White Bear Lake capture your attention and become the heart of the home. The inviting screened porch and lakeside deck create wonderful spaces to enjoy morning coffee, evening gatherings, or quiet moments taking in the beauty of the water and the refreshing lake breeze. Inside, thoughtful details and comfortable spaces create a warm and inviting atmosphere. The custom stone gas fireplace anchors the spacious living room, while the open-concept layout seamlessly connects the living area, dining space, and eat-in kitchen. Perfect for entertaining family and friends, the kitchen features granite countertops, custom tile backsplash, stainless steel appliances, custom cabinetry with pull-out shelving, and a generous walk-in pantry. Nearly every room showcases beautiful lake views. A main-level bedroom, three-quarter bathroom, and abundant storage complete the first floor. Just steps from the home, the heated oversized detached two-car garage provides exceptional flexibility for vehicles, recreational equipment, lake gear, and additional storage. The upper level offers two additional bedrooms and two bathrooms, including a private primary suite designed to take full advantage of the breathtaking waterfront setting. A dramatic wall of windows frames spectacular lake views, while the private balcony offers the perfect retreat for morning coffee or sunset evenings. The suite also includes a custom built-in office workspace, spacious walk-in closet, and beautifully finished en suite bathroom. The upper level also features a generously sized third bedroom, full bathroom, and large laundry room with utility sink for added convenience. A unique feature of the home is the versatile lower-level storage area, accessible from both the kitchen pantry and exterior double doors. This flexible space is ideal for seasonal furnishings, lake toys, outdoor equipment, and storage needs. Step outside and experience the enjoyment of true lakefront living. With the included gas grill, dock, and boat lift, this home is ready for memorable summers on White Bear Lake. Whether boating, swimming, entertaining family and friends, or simply enjoying peaceful mornings and beautiful sunrises over the water, this property offers the relaxed lake lifestyle buyers dream about. An exceptional opportunity to own a beautifully furnished lakefront home in one of White Bear Lake’s most desirable neighborhoods—offering stunning views, thoughtful updates, and the convenience of a turnkey waterfront retreat.

Highlights

Listed by Brian Raney , 757-831-3599 Home Avenue Flat Fee Realty , 952-929-7355. Minneapolis/St. Paul and St. Cloud - Northstar MLS

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

50 Annually

Year Built

2000

County

Ramsey

Neighborhood

Cottage Park

School District

White Bear Lake

Listing ID

7101492

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 3/4 Bathrooms:1
Air Cond:Central Air,Ductless Mini-Split
Fireplaces:
Above Ground Sq Ft:2136
Below Ground Sq Ft:0
Basement:Storage Space
Water:City Water/Connected

Exterior Features

Lot:Lake Front,Waterfront
Lot Dimensions:Irregular
Zoning:Residential-Single Family
Sewer:City Sewer/Connected
Parking Features:Detached Garage
Principal Interest
$8,990
Taxes
$1,302
HOA
$50

Home Price

$1,740,000

Loan Details

30 yrs
6.708%

Down Payment

20%
$348,000
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Monthly Price:
$8,989.66

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $8,989.66 $1,302.17 $50.00 $10,341.82
Yearly $107,875.89 $15,626.00 $600.00 $124,101.89
Total $3,236,276.69 $468,780.00 $18,000.00 $3,723,056.69
Lender profile image
Will Provost
Loan Originator
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Market insight data is pulled from the same city as the listing being viewed (White Bear Lake, MN).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Data last updated: 2026-09-06T04:57:07.000Z

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