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Coming soon 07/08
  • $1,740,000

    4296 Cottage Park Rd, White Bear Lake, MN 55110

    3beds
    2,136sqft
    : 
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    Single Family
    Built in 2000
    3,963 Square Feet Lot
    $1,344,900 Zestimate®
    $815/sqft
    $4/mo HOA

    What's special

    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.
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    Zillow last checked:

    Listing updated:

    Listed by:

    Brian Raney 757-831-3599,

    HomeAvenue Inc

    Source: NorthstarMLS as distributed by MLS GRID,MLS#: 7101492MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 3/4 bathrooms: 1
      Heating
      • Ductless Mini-Split, Forced Air
      Cooling
      • Central Air, Ductless Mini-Split
      Features
      • Basement: Storage Space
      • Number of fireplaces: 1
      Interior area
      • Total structure area: 3,204
      • Total interior livable area: 2,136 sqft
      • Finished area above ground: 2,136
      • Finished area below ground: 0
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Detached Garage
      • Garage spaces: 2
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Two
      • Stories: 2
      • On waterfront: Yes
      • Waterfront features: Lake Front
      • Frontage length: Water Frontage: 48
      Lot
      • Size: 3,963 Square Feet
      Details
      • Foundation area: 1068
      • Parcel number: 233022420005
      • Zoning description: Residential-Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family
      Condition
      • New construction: No
      • Year built: 2000

      Utilities & green energy

      • Gas: Natural Gas
      • Sewer: City Sewer/Connected
      • Water: City Water/Connected

      Community & HOA

      Community
      • Subdivision: Cottage Park
      HOA
      • Has HOA: Yes
      • Services included: None
      • HOA fee: $50 annually
      • HOA name: Cottage Park Homeowners Ass.
      • HOA phone: 651-324-5221
      Location
      • Region: White Bear Lake

      Financial & listing details

      • Price per square foot: $815/sqft
      • Tax assessed value: $1,177,300
      • Annual tax amount: $15,626
      • Date on market: 7/1/2026

        Estimated market value

        $1,344,900

        $1.22M - $1.48M

        $2,829/mo

        Price history

        DateEventPrice
        7/31/2007Sold$950,000$445/sqft
        Source: Public Record Report a problem
        5/26/2007Sold$950,000$445/sqft
        Source: Agent Provided Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$15,626 +9.2%$1,177,300 +17.9%
        2024$14,310 +15.5%$998,700 +3.3%
        2023$12,394 +8%$966,500 +11%
        2022$11,474 -4.5%$871,000 +11.7%
        2021$12,014 +15.4%$779,800 -6%
        2020$10,414 +37.7%$829,400 +19.5%
        2019$7,564 $694,000
        2018$7,564 $694,000 +20%
        2017$7,564 $578,300
        2016$7,564 +7.3%--
        2015$7,050 -15.9%$510,800
        2014$8,384 -10.1%--
        2013$9,322 +6.9%--
        2012$8,718 -9.8%--
        2011$9,662 --
        2010-- --
        2009$10,666 +6.4%--
        2008$10,024 +22.8%--
        2007$8,166 +12%--
        2006$7,292 +10.5%--
        2005$6,600 -3.1%--
        2004$6,814 -13.2%--
        2003$7,850 +628.2%--
        2002$1,078 -18.6%--
        2001$1,324 +9.2%--
        2000$1,213 --

        Find assessor info on the county website

        Monthly payment

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        Payment breakdown

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        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.
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        Climate risks

        Neighborhood: 55110

        Getting around

        37 / 100
        Car-Dependent
        69 / 100
        Bikeable

        Nearby schools

        GreatSchools rating

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