$1,740,000

4296 Cottage Park Road, White Bear Lake, MN 55110

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$1,740,000

4296 Cottage Park Road White Bear Lake, MN 55110 - White Bear

Active Contingent MLS# 7101492

3 beds 3 baths 2,136 sq ft Single Family

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Data current as of 20/07/2026 10:27:46

Details for 4296 Cottage Park Road

MLS# 7101492

Description for 4296 Cottage Park Road, White Bear Lake, MN, 55110 - White Bear


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.

Listing Information


Property Type: Residential, Single Family

Status: Active Contingent-Inspection

Bedrooms: 3

Bathrooms: 3

Lot Size: 0.09 Acres

Square Feet: 2,136 sq ft

Year Built: 2000

Foundation: 1,068 sq ft

Garage: Yes

Stories: 2 Stories

Subdivision: Cottage Park

County: Ramsey

Days On Market: 12

Construction Status: Previously Owned

School Information


District: 624 - White Bear Lake

Room Information


Bathrooms

Full Baths: 2

3/4 Baths: 1

Interior Features


Square Footage above: 2,136 sq ft

Basement: Storage Space

Fireplaces: 1

Utilities


Water: City Water/Connected

Sewer: City Sewer/Connected

Cooling: Ductless Mini-Split, Central

Heating: Ductless Mini-Split, Forced Air, Natural Gas

Exterior / Lot Features


Garage Spaces: 2

Parking Description: Detached Garage, Garage Sq Ft - 462.0

Exterior: Stucco

Lot Dimensions: Irregular

Zoning: Residential-Single Family

Waterfront Details


Standard Water Body: White Bear

DNR Lake ID: 82016700

Water Front Features: Lake Front

Water Frontage Length: 48 Ft.

Lake Acres: 2,428

Lake Depth: 83 Ft.

Community Features


Homeowners Association: Yes

Association Name: Cottage Park Homeowners Ass.

HOA Dues: $50 / Yearly

Driving Directions


White Bear Ave. to South Shore Blvd. East to Cottage Park Rd. North to home

Financial Considerations


Tax/Property ID: 233022420005

Tax Amount: 15626

Tax Year: 2025

HomeStead Description: Non-Homesteaded

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Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.

Sales History

Date Price
Currently not available.

Tax Summary

Tax Year Estimated Market Value Total Tax
Currently not available.

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Schools nearby 4296 Cottage Park Road

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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.

The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.

SchoolDigger ® Rating

The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.

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