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  • $2,700,000

    4304 Cottage Park Rd, White Bear Lake, MN 55110

    4beds
    3,500sqft
    : 
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    Single Family
    Built in 2018
    4,181 Square Feet Lot
    $2,580,200 Zestimate®
    $771/sqft
    $4/mo HOA

    What's special

    Welcome to a rare opportunity to own a custom-built Cape Cod-style lake home on the coveted west shore of White Bear Lake. Offering approximately 3,500 finished square feet, this exceptional property comes fully furnished with beautiful lake-inspired furniture and décor, allowing you to move in and immediately begin enjoying everything White Bear Lake has to offer this summer. Perfectly blending timeless charm, custom craftsmanship, modern amenities, and lakeside living, this home feels virtually new and is truly move-in ready. Located in the quiet and highly desirable Cottage Park neighborhood, you'll enjoy a short five-minute walk to some of White Bear Lake's favorite restaurants, live music venues, coffee shops, and local gathering places. With its classic architecture, premium finishes, and walkable location, this is a truly special opportunity to own one of the area's most distinctive lakefront homes. From the moment you enter, the breathtaking views of White Bear Lake command your attention. Two accordion-style glass door systems open wide to seamlessly blend indoor and outdoor living while allowing you to enjoy panoramic lake views from the comfort of your home. The screened openings provide the perfect setting to enjoy the fresh lake breeze without interruption. The custom brick wood-burning fireplace serves as the centerpiece of the living room, creating a warm and inviting atmosphere reminiscent of a luxury lakeside retreat. The open-concept design effortlessly connects the living room, dining area, and gourmet kitchen, making the space ideal for entertaining and large family gatherings. The kitchen is truly one-of-a-kind, highlighted by a custom boat-shaped center island that perfectly reflects the home's lakeside setting. Designed for both everyday living and entertaining, the kitchen features a walk-in pantry, separate butler's kitchen, Verona dual-fuel double-oven range, multiple Thermador refrigerator and freezer units, and four Fisher & Paykel dishwasher drawers. A convenient powder room completes the main level. The oversized attached two-car garage includes a custom vehicle lift, offering a unique amenity for car enthusiasts. Upstairs, you'll find three bedrooms and two bathrooms, including an extraordinary primary suite designed to feel like a private resort. The luxurious ensuite features a clawfoot soaking tub, custom-tiled walk-in shower, and an impressive private hot tub area overlooking the lake. Imagine ending each day while soaking in the hot tub and taking in the spectacular waterfront views. The upper level also includes a spacious second bedroom, a full hallway bathroom, and an oversized bonus bedroom that offers incredible flexibility for guests, a home office, recreation space, or additional sleeping accommodations. A charming spiral staircase provides convenient secondary access between levels (perfect space to install an elevator, if needed), while the large laundry room with granite countertops makes everyday living both functional and efficient. The finished lower level offers additional living space rarely found in comparable lakefront properties. Whether used as a media room, fitness area, game room, or flexible entertaining space, this level provides endless possibilities. An additional bedroom and three-quarter bathroom create an ideal setup for guests, extended family, or a private in-law suite. Step outside and experience one of the home's most impressive features. The backyard is designed to maximize enjoyment of White Bear Lake, with multiple outdoor entertaining areas, a massive deck, and spectacular waterfront views in every direction. Whether hosting summer gatherings, enjoying a peaceful morning by the water, or watching sun rises over the lake, this outdoor space delivers the ultimate lakefront lifestyle. This extraordinary custom home offers luxury, comfort, character, and an unmatched White Bear Lake location. Opportunities like this are exceptionally rare.
    27 days
    |
    3,769
    |
    92
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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#: 7087961MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 2
      • 3/4 bathrooms: 1
      • 1/2 bathrooms: 1
      Heating
      • Forced Air
      Cooling
      • Central Air
      Features
      • Basement: Finished
      • Number of fireplaces: 1
      Interior area
      • Total structure area: 3,500
      • Total interior livable area: 3,500 sqft
      • Finished area above ground: 2,334
      • Finished area below ground: 1,166

      Property

      Parking
      • Total spaces: 2
      • Parking features: Attached
      • Attached garage spaces: 2
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Two
      • Stories: 2
      • On waterfront: Yes
      • Waterfront features: Lake Front
      Lot
      • Size: 4,181 Square Feet
      Details
      • Foundation area: 1166
      • Parcel number: 233022420003
      • Zoning description: Residential-Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family
      Condition
      • New construction: No
      • Year built: 2018

      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: $771/sqft
      • Tax assessed value: $1,390,900
      • Annual tax amount: $20,468
      • Date on market: 6/5/2026

        Estimated market value

        $2,580,200

        $2.45M - $2.71M

        $4,265/mo

        Price history

        DateEventPrice
        6/12/2026Listed for sale$2,700,000+0%$771/sqft
        Source: NorthstarMLS as distributed by MLS GRID #7087961 Report a problem
        6/5/2026Listing removed$11,900$3/sqft
        Source: Zillow Rentals Report a problem
        4/26/2026Listed for rent$11,900$3/sqft
        Source: Zillow Rentals Report a problem
        4/26/2026Listing removed--
        Source: Owner Report a problem
        4/16/2026Listing removed$11,900$3/sqft
        Source: Zillow Rentals Report a problem
        3/30/2026Price change$11,900-20.7%$3/sqft
        Source: Zillow Rentals Report a problem
        3/27/2026Listed for sale$2,699,000+668.9%$771/sqft
        Source: Owner Report a problem
        1/12/2026Listed for rent$15,000$4/sqft
        Source: Zillow Rentals Report a problem
        9/25/2025Listing removed$15,000$4/sqft
        Source: Zillow Rentals Report a problem
        7/28/2025Listed for rent$15,000$4/sqft
        Source: Zillow Rentals Report a problem
        1/30/2025Listing removed$15,000$4/sqft
        Source: Zillow Rentals Report a problem
        1/12/2025Listed for rent$15,000+16.3%$4/sqft
        Source: Zillow Rentals Report a problem
        9/13/2024Listing removed$12,900$4/sqft
        Source: Zillow Rentals Report a problem
        7/15/2024Listed for rent$12,900$4/sqft
        Source: Zillow Rentals Report a problem
        12/2/2014Sold$351,000-2.2%$100/sqft
        Source: NorthstarMLS as distributed by MLS GRID #4535106 Report a problem
        10/9/2014Listed for sale$359,000-9.1%$103/sqft
        Source: RE/MAX RESULTS #4535106 Report a problem
        11/26/2012Listing removed$395,000$113/sqft
        Source: Coldwell Banker Burnet - White Bear Lake #4175661 Report a problem
        10/19/2012Price change$395,000-7.1%$113/sqft
        Source: Coldwell Banker Burnet - White Bear Lake #4175661 Report a problem
        7/26/2012Listed for sale$425,000+183.3%$121/sqft
        Source: Coldwell Banker Burnet - White Bear Lake #4175661 Report a problem
        11/10/2000Sold$150,000$43/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$20,468 +19.9%$1,390,900 +7.4%
        2024$17,064 +2.2%$1,294,900 +12.7%
        2023$16,696 +1.7%$1,149,300 -0.9%
        2022$16,416 +21.9%$1,159,300 +5.9%
        2021$13,464 -3.6%$1,094,400 +17.2%
        2020$13,962 +178.8%$933,700 +58.3%
        2019$5,008 $590,000
        2018$5,008 $590,000 +49.4%
        2017$5,008 $395,000
        2016$5,008 +7%--
        2015$4,680 -6.2%$345,700
        2014$4,990 -5.1%--
        2013$5,256 -6.2%--
        2012$5,602 +1%--
        2011$5,548 --
        2010-- --
        2009$5,230 +17.1%--
        2008$4,466 +25%--
        2007$3,572 +28.7%--
        2006$2,776 +17%--
        2005$2,372 +17.7%--
        2004$2,016 +26.2%--
        2003$1,598 +17.8%--
        2002$1,356 -0.9%--
        2001$1,368 +8.9%--
        2000$1,256 --

        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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