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  • $2,500,000

    4304 Cottage Park Rd, White Bear Lake, MN 55110

    4beds
    3,500sqft
    Single Family
    Built in 2018
    4,181 Square Feet Lot
    $2,500,400 Zestimate®
    $714/sqft
    $4,268 Estimated rent

    Home value

    $2,500,400

    $2.30M - $2.73M

    $4,268/mo

    Zestimate® history
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    $16,093/mo

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    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.

    Zillow last checked:

    Listing updated:

    Listed by:

    Brian Raney 757-831-3599,

    Home Avenue Flat Fee Realty

    Bought with:

    Jennifer Eibensteiner

    RE/MAX Results

    Source: NorthstarMLS as distributed by MLS GRID,MLS#: 7087961MLS Logo

    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: $714/sqft
    • Tax assessed value: $1,390,900
    • Annual tax amount: $20,468
    • Date on market: 6/5/2026
    • Cumulative days on market: 52 days

    Price history

    DateEventPrice
    8/14/2026Sold$2,500,000-7.4%$714/sqft
    Source: NorthstarMLS as distributed by MLS GRID #7087961 Report a problem
    8/3/2026Pending sale$2,700,000$771/sqft
    Source: NorthstarMLS as distributed by MLS GRID #7087961 Report a problem
    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: Lake Superior Area Realtors as distributed by MLS GRID #2241546 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

    Neighborhood: 55110

    Nearby schools

    GreatSchools rating
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    Estimated market value
    $2,500,400
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    Estimated market value
    $2,500,400