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4304 Cottage Park Road, Saint Paul, MN 55110

$2,700,000

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 3,500 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $2,700,000 List Date: 6/12/2026 Last Modified: 6/30/2026

Overview

Description

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 yo ... (Read more) 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.

Listing Details MLS# 7087961

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
Waterfront YN: Yes
Year Built: 2018
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: 2
Bath Three Quarters: Yes
Bath Half: Yes
Main Floor Total SqFt: 1166
Above Grd Total SqFt: 2334
Below Grd Total SqFt: 1166
Total SqFt: 3500
Total Finished Sqft: 3500.00
FireplaceYN: Yes
Lake/Waterfront Name: White Bear
Style: (SF) Single Family
Foundation Size: 1166
Association Fee: 50
Garage Stalls: 2
Lot Dimensions: Irregular
Acres: 0.09
Assessment Pending: No
Bath Quarter: 0

Property Features

Accessible: None Air Conditioning: Central Air Association Fee Includes: None Construction Status: Previously Owned Exterior: Cement Board Foundation: Poured Concrete Fuel: Natural Gas Heating: Forced Air Sewer: City Sewer/Connected Stories: Two Water: City Water/Connected Waterfront Type: Lake Front

Contract Information

Contingency: None
Original List Price: 2700000
ListPrice: 2700000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 4304
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: 20468
Assessment Balance: 0

Building Information

Finished SqFt Above Ground: 2334
Finished SqFt Below Ground: 1166

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: 350

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 19 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: 3804
Property ID Number: 233022420003
Tax Year: 2025
Tax Amount: 20468
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: 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.
Directions: Lake Avenue to Cottage Park Road

Accessible

None: Yes

Air Conditioning

Central Air: Yes

Association Fee Includes

None: Yes

Construction Status

Previously Owned: Yes

Exterior

Cement Board: Yes

Foundation

Poured Concrete: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

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: June - 30 - 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.