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For sale
  • Price cut: $10K (6/15)
    $659,000

    2054 S Cottage Ln, Garden City, UT 84028

    6beds
    2,998sqft
    : 
    $3,848/mo
    Get pre-qualified
    Single Family Residence
    Built in 2006
    3,920 Square Feet Lot
    $642,500 Zestimate®
    $220/sqft
    $120/mo HOA

    What's special

    Covered deckOpen patioStone and stucco exteriorOpen functional layoutGranite countertopsLarge master suiteFully finished basement
    Spacious Bear Lake Retreat in The Cottages | 2054 S. Cottage Lane, Garden City, UT Discover one of the most generously sized homes in The Cottages at Bear Lake - a beautifully finished 6-bedroom, 3-bathroom rambler offering nearly 3,000 square feet of comfortable living just a short walk from the stunning turquoise waters of Bear Lake. From the moment you arrive, the stone and stucco exterior and covered deck set the tone for a home that blends mountain charm with thoughtful upgrades. Step inside to find hardwood, tile, and newer carpet throughout the main level, where a large master suite awaits - complete with a private bath featuring a separate shower and garden tub, an elevated finish that stands apart from the standard Cottages build. Granite countertops, a cozy gas log fireplace insert, and an open, functional layout make this home equally suited to quiet weekends and larger family gatherings. Downstairs, the fully finished basement delivers exceptional versatility with four additional bedrooms, a spacious open family room, and a three-quarter bath - plenty of room for extended family, guests, or a bunkhouse-style setup that sleeps a crowd in comfort. The extra-wide, extra-long 2-car garage provides ample space for vehicles, lake toys, and gear storage. Outside, enjoy a covered deck and open patio perfect for morning coffee or evening barbecues, with overflow parking right next door and paved roads throughout the community. The HOA covers snow removal and water for just $100/month, making year-round ownership genuinely low-maintenance. The Cottages is one of Bear Lake's most sought-after communities - close to the water, well-maintained, and refreshingly residential in character. Short term rental policy restrictions keeps the neighborhood peaceful, making this the ideal personal retreat, family legacy property, or long-term vacation home for buyers who want Bear Lake without the noise of a nightly rental corridor. This is Bear Lake living done right - spacious, upgraded, and move-in ready.
    107 days
    |
    155
    |
    5
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Ryan L Olsen 208-339-3200,

    Mountain Retreat Real Estate, LLC

    Source: UtahRealEstate.com,MLS#: 2153344MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 6
      • Bathrooms: 3
      • Full bathrooms: 2
      • 3/4 bathrooms: 1
      • Main level bedrooms: 2
      Rooms
      • Room types: Master Bathroom, Great Room
      Heating
      • Forced Air, Central
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Dryer, Microwave, Range Hood, Washer, Disposal, Free-Standing Range
      • Laundry: Electric Dryer Hookup
      Features
      • Separate Bath/Shower, Walk-In Closet(s), Granite Counters, Smart Thermostat
      • Flooring: Carpet, Hardwood, Tile
      • Doors: French Doors
      • Windows: Blinds, Full, Window Coverings
      • Basement: Full
      • Number of fireplaces: 1
      • Fireplace features: Gas Log
      Interior area
      • Total structure area: 2,998
      • Total interior livable area: 2,998 sqft
      • Finished area above ground: 1,359
      • Finished area below ground: 1,639

      Property

      Parking
      • Total spaces: 5
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      • Uncovered spaces: 3
      • Details: Common RV Parking
      Features
      • Stories: 2
      • Patio & porch: Covered, Covered Patio
      • Has spa: Yes
      • Spa features: Jetted Tub
      Lot
      • Size: 3,920 Square Feet
      • Features: Sprinkler: Auto-Part
      • Topography: Terrain
      • Residential vegetation: Landscaping: Full
      Details
      • Parcel number: 41330100015
      • Zoning: RES

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Bungalow/Cottage
      • Property subtype: Single Family Residence
      Materials
      • Stucco
      • Roof: Asphalt
      Condition
      • Blt./Standing
      • New construction: No
      • Year built: 2006

      Utilities & green energy

      • Water: Culinary
      • Utilities for property: Natural Gas Connected, Electricity Connected, Sewer Connected, Water Connected

      Community & HOA

      Community
      • Features: Sidewalks
      • Subdivision: The Cottages
      HOA
      • Has HOA: Yes
      • Amenities included: RV Parking, Sewer Paid, Water
      • Services included: Sewer, Water
      • HOA fee: $120 monthly
      Location
      • Region: Garden City

      Financial & listing details

      • Price per square foot: $220/sqft
      • Tax assessed value: $645,922
      • Annual tax amount: $2,654
      • Date on market: 4/24/2026
      • Listing terms: Cash,Conventional
      • Inclusions: Ceiling Fan, Dryer, Microwave, Range, Range Hood, Washer, Window Coverings, Smart Thermostat(s)
      • Acres allowed for irrigation: 0
      • Electric utility on property: Yes
      • Road surface type: Paved

        Estimated market value

        $642,500

        $610,000 - $675,000

        $3,247/mo

        Price history

        DateEventPrice
        6/15/2026Price change$659,000-1.5%$220/sqft
        Source: UtahRealEstate.com #2153344 Report a problem
        4/25/2026Listed for sale$669,000+115.9%$223/sqft
        Source: UtahRealEstate.com #2153344 Report a problem
        5/25/2020Listing removed$309,900$103/sqft
        Source: Vacasa Real Estate #1662230 Report a problem
        3/19/2020Listed for sale$309,900-1.6%$103/sqft
        Source: Vacasa Real Estate #1662230 Report a problem
        2/1/2020Listing removed$314,900$105/sqft
        Source: All American Real Estate, LLC #1589646 Report a problem
        8/3/2019Price change$314,900-1.3%$105/sqft
        Source: All American Real Estate, LLC #1589646 Report a problem
        3/29/2019Listed for sale$319,000$106/sqft
        Source: All American Real Estate, LLC #1589646 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$2,694 +9.4%$645,922 +10.9%
        2023$2,462 -16.7%$582,661 +5%
        2022$2,955 +19.7%$554,661 +32.3%
        2021$2,469 +7.7%$419,278 +20%
        2020$2,293 +14.4%$349,540 +24%
        2018$2,005 -2.9%$281,868 +5.9%
        2017$2,066 +1.2%$266,045
        2016$2,042 $266,045 +2.5%
        2015-- $259,461 -0.6%
        2011-- $260,983 -7.1%
        2010$1,664 $280,983
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 84028

        Getting around

        10 / 100
        Car-Dependent
        44 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: North Rich
        • Middle: Rich
        • High: Rich
        • District: Rich

        Source: UtahRealEstate.com. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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