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4296 Cottage Park Road, Saint Paul, MN 55110

New Listing

$1,740,000

Virtual Tour

https://player.vimeo.com/video/1206159368

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 3,204 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $1,740,000 List Date: 7/07/2026 Last Modified: 7/07/2026

Overview

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 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 coff ... (Read more) 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 Details MLS# 7101492

General Property Information

Assoc Mgmt Co. Phone #: 651-324-5221
Association Fee Frequency: Annually
Association Mgmt Co. Name: Cottage Park Homeowners Ass.
Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Road Btwn WF & Home?: No
Waterfront Frontage: 48
Waterfront YN: Yes
Year Built: 2000
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: 2
Bath Three Quarters: Yes
Main Floor Total SqFt: 1068
Above Grd Total SqFt: 2136
Below Grd Total SqFt: 1068
Total SqFt: 3204
Total Finished Sqft: 2136.00
FireplaceYN: Yes
Lake/Waterfront Name: White Bear
Style: (SF) Single Family
Foundation Size: 1068
Association Fee: 50
Garage Stalls: 2
Lot Dimensions: Irregular
Acres: 0.09
Assessment Pending: No
Bath Half: 0
Bath Quarter: 0

Property Features

Accessible: None Air Conditioning: Central Air; Ductless Association Fee Includes: None Basement: Storage Space Construction Status: Previously Owned Exterior: Stucco Foundation: Combination; Concrete Perimeter Fuel: Natural Gas Heating: Forced Air Lock Box Type: Combo Sewer: City Sewer/Connected Stories: Two Water: City Water/Connected Waterfront Type: Lake Front

Contract Information

Contingency: Inspection
Original List Price: 1740000
ListPrice: 1740000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 4296
Street Name: Cottage Park
Street Suffix: Road
Postal City: Saint Paul
County: Ramsey
State: MN
Zip Code: 55110
Complex/Dev/Subdivision: Cottage Park

Assessments

Tax With Assessments: 15626
Assessment Balance: 0

Building Information

Finished SqFt Above Ground: 2136

More Information

Lake Details

Lake Acres: 2427
Lake Depth: 83

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

Homestead: No

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Square Feet: 462

Public Survey Info

Range#: 22
Section#: 23
Township#: 30

Office/Member Info

Association: MAAR

Location, Tax and Other Information

AssocFeeYN: Yes
Legal Description: COTTAGE PARK LOT 21 BLK 2
Listing City: White Bear Lake
Map Page: 81
Municipality: White Bear Lake
School District: White Bear Lake
School District Phone: 651-407-7500
DNR Lake ID#: 82016700
DNR Lake Classification: General Development
Zip Plus 4: 3853
Property ID Number: 233022420005
Tax Year: 2025
Tax Amount: 15626
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: 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.
Directions: White Bear Ave. to South Shore Blvd. East to Cottage Park Rd. North to home

Accessible

None: Yes

Air Conditioning

Central Air: Yes
Ductless: Yes

Association Fee Includes

None: Yes

Basement

Storage Space: Yes

Construction Status

Previously Owned: Yes

Exterior

Stucco: Yes

Foundation

Combination: Yes
Concrete Perimeter: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Lock Box Type

Combo: Yes

Sewer

City Sewer/Connected: Yes

Stories

Two: Yes

Water

City Water/Connected: Yes

Waterfront Type

Lake Front: Yes

Documents

Seller's Disclosure.pdf ›

Listing Office: HomeAvenue Inc

Last Updated: July - 07 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.