4296 Cottage Park Rd

White Bear Lake, MN 55110

$1,740,000
Price
3
Beds
2,136 Sq. Ft.
$815 / Sq. Ft.
2,136
Sq. Ft.
$815
per Sq. Ft.
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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...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.
  1. Listed by HomeAvenue Inc

Property Details for 4296 Cottage Park Road

Subdivision Name
Cottage Park
Waterfront Features
Lake Front
Waterfront YN
Yes
Zoning Jurisdiction
Residential-Single Family
LISTING UPDATED: 07/01/2026 10:36 AM

Property Details for 4296 Cottage Park Road

StatusComing Soon
MLS #7101492
Days on Compass-
Taxes$15,626 / year
HOA Fees$50 / year
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family
Year Built2000
Lot Size0.09 AC / 3,963 SF
CountyRamsey County
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Location

Listing Courtesy of HomeAvenue Inc
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Building Information for 4296 Cottage Park Road

Stories-Year Built2000Building Size-Lot Size0.09 AC / 3,963 SF

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$9,977 per month

30 year fixed, 6.36% Interest

Principal and Interest

$8,671

Property Taxes

$1,302

HOA Dues

$4

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Property Information for 4296 Cottage Park Road

Summary
Location and General Information
  • City Name: White Bear Lake
  • County Or Parish: Ramsey
  • County: Ramsey-MN
  • Directions: White Bear Ave. to South Shore Blvd. East to Cottage Park Rd. North to home
  • Latitude: 45.071271
  • Longitude: -93.011063
  • Nbr of Acres: 2428
  • Lake Name: General Development
  • PLAT: 83
  • Map Coordinate: 81-A4
  • City and Location: Saint Paul
  • City and Location Text: Saint Paul(MN)
  • Postal Code: 55110
  • State Or Province: MN
  • Public Survey Township: 30
  • Waterfront Property YN: No
  • Water Body Name: White Bear
  • Waterfront Footage: 82016700
  • Waterfront Frontage: 48
Taxes and HOA Information
  • Additional Parcels: No
  • Association Fee: $50.00
  • Association Fee Frequency: Annually
  • Association Fee Includes: None
  • Association Name: Cottage Park Homeowners Ass.
  • Association Phone: 6513245221
  • Association: Yes
  • Parcel Number: 233022420005
  • Tax Annual Amount: $15,626.00
  • Tax Legal Description: COTTAGE PARK LOT 21 BLK 2
  • Tax Other Annual Assessment Amount: $.00
  • Tax Year: 2025
  • Tax With Assessments: 15626
School Information
  • High School District: 624 - White Bear Lake
  • School District Number: 624
  • School District Phone: 6514077500
Property
Lot Information
  • Above Grade Fin SQFT: 2136.0
  • Below Grade Fin SQFT: 0.0
  • SQFT Total: 2136.0
  • Living Area Units: Square Feet
  • Lot Size Area: 0.091
  • Lot Size Dimensions: Irregular
  • Lot Size Units: Acres
  • Present Use: Yearly
  • Property Attached: No
  • Property Sub Type: Single Family
  • Property Type: Residential
  • SQFT Main Total: 1068
  • Building Area Total: 3204.0
  • Above Grade SqFt Total: 2136
  • Below Grade SqFt Total: 1068
Utilities
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Interior and Exterior Features
Exterior Features
  • Accessibility Features: None
  • Exterior Features: Stucco
  • Foundation Area: 1068.0
  • Foundation Details: Combination, Concrete Perimeter
  • Fuel: Natural Gas
Interior Features
  • Basement Type: Storage Space
  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms One Quarter: 0
  • Bathrooms Three Quarter: 1
  • Bathrooms Total Count: 3
  • Bedrooms Total: 3
  • Fireplaces Total: 1
  • FireplaceYN: Yes
  • Cooling: Central Air, Ductless Mini-Split
  • Garage Square Feet: 462
  • Heating: Ductless Mini-Split, Forced Air
  • Levels: Two
  • Basement YN: No

Property History for 4296 Cottage Park Road

DateEvent & SourcePriceAppreciation
Apr 23, 2007

Off Market

NorthStar #3254988

—
Aug 21, 2006

Listed (Active)

NorthStar #3254988

$1,149,000—
Aug 16, 2006

Off Market

NorthStar #3184967

—
DateEvent & SourcePrice
04/23/2007

Off Market

NorthStar #3254988

—
08/21/2006

Listed (Active)

NorthStar #3254988

$1,149,000
08/16/2006

Off Market

NorthStar #3184967

—

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 4296 Cottage Park Road

Taxable ValueLand$347,500Additions$829,800Total$1,177,300
Tax Record2025$15,626 ($1,302 / month)
Home Facts
Beds3Baths3Total Finished SqFt2,136 SqFtAbove Grade Finished SqFt2,136 SqFtStories2Lot Size3,964 SqFtStyleSingle Family ResidenceYear Built2000ZoningACountyRAMSEYAPN23-30-22-42-0005Fireplace TypeHas Fireplace

Schools near 4296 Cottage Park Road

This home is within White Bear Lake School District.
Rating
School
Type
Grades
Distance
Lakeaires Elementary School
Public - PK to 5
Sunrise Park Middle School
Public - 6 to 8
White Bear North Campus Senior
Public - 9 to 10
North Star Elementary
Public - K to 5
Rating
School
Distance
Lakeaires Elementary School
PublicPK to 5

Sunrise Park Middle School
Public6 to 8

White Bear North Campus Senior
Public9 to 10

North Star Elementary
PublicK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 4296 Cottage Park Road, White Bear Lake, MN 55110

4296 Cottage Park Road is a single family home Coming Soon in White Bear Lake, MN 55110. This property is currently priced at $1,740,000. This listing's school district is White Bear Lake School District. Nearby schools include Lakeaires Elementary School, Sunrise Park Middle School and White Bear North Campus Senior. 4296 Cottage Park Road is a 3-bed, 3-bath, 2,136 sqft single family home built in 2000.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of HomeAvenue Inc

Based on information submitted to the MLS GRID as of 07/01/2026 10:36 AM. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Properties displayed may be listed or sold by various participants in the MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. Use of the MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS of the Member Participant, if any, and as amended from time to time.