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4596 Otter Lake Road, White Bear Lake, MN 55110

$415,000

Stunning floors and bright natural light.

The giant picture window allows in great afternoon sun.

Relax by your wood fireplace with new chimney.

A second gathering space on the same level

Three season porch provides excellent views of the back yard

Lots of counter space for serving friends and family

Big primary bedroom easily fits a king bed.

Full bath access from the primary bedroom

Spacious full basement with lots of storage.

Finish the basement and use your 2nd fireplace

Roll your riding lawnmower right out of the shop to the back yard

Side parking pad for boat, trailer or back yard access.

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 3,525 Lot Size (sq. ft.): 37,026 Status: Closed

Current Price: $415,000 List Date: 5/15/2025 Last Modified: 7/12/2026

Overview

Description

Welcome to this well-maintained rambler set on a rare near 1-acre lot in a prime White Bear Lake location. All the big-ticket updates are already done — newer windows, roof, HVAC, water heater, plumbing, electrical, siding, soffits, fascia, and gutters — so you can move in with peace of mind. Inside, enjoy two distinct living spaces: a cozy formal living room with a wood-burning fireplace and a spacious family room that opens to a 3-season porch — perfect for relaxing or entertaining. The eat-in kitchen flows into both a casual dining area and a formal dining room, offering flexibility for everyday living and hosting. The home features 3 bedrooms, 1.5 baths, and a full unfinished basement with mechanicals already relocated to allow for a future 3rd bathroom. There's even a never-used wood-burning fireplace downstairs, adding to the possibilities for expansion. For the hobbyist or a great escape, a large 900 sq ft shop is attached to the garage and includes an overhead garage ... (Read more)

Listing Details MLS# 6721257

General Property Information

Common Wall: No
Lot Measurement: Square Feet
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: 2
Other Parking Spaces: 8
Waterfront YN: No
Year Built: 1953
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: Yes
Bath Half: Yes
Main Floor Total SqFt: 1825
Above Grd Total SqFt: 1825
Below Grd Total SqFt: 1700
Total SqFt: 3525
Lot Size SqFt: 37026
Total Finished Sqft: 1708.00
FireplaceYN: Yes
Style: (SF) Single Family
Foundation Size: 1708
Garage Stalls: 2
Lot Dimensions: 100x370
Assessment Pending: Unknown
Bath Three Quarters: 0
Bath Quarter: 0
Association Fee: 0

Property Features

Accessible: Other Air Conditioning: Central Air Amenities Unit: Hardwood Floors; Kitchen Window; Patio; Porch; Unspecified; Washer/Dryer Hookup; Other Appliances: Dishwasher; Disposal; Dryer; Freezer; Range; Refrigerator; Washer Assumable Loan: Information Coming Basement: Full; Unfinished Bath Description: Primary Walk-Thru; Main Floor 1/2 Bath; Main Floor Full Bath; Rough In Construction Status: Previously Owned Dining Room Description: Kitchen/Dining Room; Separate/Formal Dining Room Electric: 200+ Amp Service Existing Financing: Conventional Exterior: Vinyl Family Room Characteristics: Main Level Fencing: Chain Link; Other Financing Terms: Conventional Fireplace Characteristics: Living Room; Wood Burning; Other Foundation: Concrete Block Fuel: Natural Gas Heating: Forced Air Lock Box Type: Supra Lot Description: Public Transit (w/in 6 blks); Tree Coverage - Medium Outbuildings: Workshop Parking Characteristics: Garage Door Opener Pool Description: None Road Frontage: City Street Roof: Age 8 Years or Less; Asphalt Shingles Sellers Terms: Cash; Conventional; FHA; VA Sewer: City Sewer/Connected Special Search: 3 BR on One Level; All Living Facilities on One Level; Main Floor Bedroom Stories: One Water: City Water/Connected

Contract Information

Off Market Date: 2025-05-18
Contingency: None
Closed Date: 2025-07-11
Original List Price: 424900
Sales Close Price: 415000
ListPrice: 424900
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 4596
Street Name: Otter Lake
Street Suffix: Road
Postal City: White Bear Lake
County: Ramsey
State: MN
Zip Code: 55110
Complex/Dev/Subdivision: n/a

Assessments

Assessment Balance: 67.56
Tax With Assessments: 4926

Building Information

Finished SqFt Above Ground: 1708

More Information

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

DP Resource: Yes
Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Square Feet: 1500
Garage Door Opener: Yes

Office/Member Info

Association: SPAAR

Location, Tax and Other Information

AssocFeeYN: No
Legal Description: SECTION 15 TOWN 30 RANGE 22 SUBJ TO OTTER LAKE RD AND EX E 22O1 874/1OOO FT THE S 1OO FT OF N 1O33 O9/1OO FT OF S 1/2 OF S E 1/4 OF SEC 15 TN 30 RN 22
Listing City: White Bear Lake
Map Page: 80
Municipality: White Bear Lake
School District: White Bear Lake
School District Phone: 651-407-7500
Country: US
Property ID Number: 153022430053
Tax Year: 2024
Tax Amount: 4858.44
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: Welcome to this well-maintained rambler set on a rare near 1-acre lot in a prime White Bear Lake location. All the big-ticket updates are already done — newer windows, roof, HVAC, water heater, plumbing, electrical, siding, soffits, fascia, and gutters — so you can move in with peace of mind. Inside, enjoy two distinct living spaces: a cozy formal living room with a wood-burning fireplace and a spacious family room that opens to a 3-season porch — perfect for relaxing or entertaining. The eat-in kitchen flows into both a casual dining area and a formal dining room, offering flexibility for everyday living and hosting. The home features 3 bedrooms, 1.5 baths, and a full unfinished basement with mechanicals already relocated to allow for a future 3rd bathroom. There's even a never-used wood-burning fireplace downstairs, adding to the possibilities for expansion. For the hobbyist or a great escape, a large 900 sq ft shop is attached to the garage and includes an overhead garage door that opens to the backyard — ideal for projects, storage, or extra workspace. The expansive yard adds privacy and room to roam. Shop is wired with both 110V and 220V electrical service Just one block from the new Birch Lake walking path and close to shopping, schools, and more — this home offers the perfect blend of comfort, function, and location.
Directions: 35E to Hwy 96 exit east to Otter Lake Road go North to home.

Accessible

Other: Yes

Air Conditioning

Central Air: Yes

Amenities Unit

Hardwood Floors: Yes
Kitchen Window: Yes
Patio: Yes
Porch: Yes
Unspecified: Yes
Washer/Dryer Hookup: Yes
Other: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Freezer: Yes
Range: Yes
Refrigerator: Yes
Washer: Yes

Assumable Loan

Information Coming: Yes

Basement

Full: Yes
Unfinished: Yes

Bath Description

Primary Walk-Thru: Yes
Main Floor 1/2 Bath: Yes
Main Floor Full Bath: Yes
Basement: Yes
Rough In: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Kitchen/Dining Room: Yes
Separate/Formal Dining Room: Yes

Electric

200+ Amp Service: Yes

Existing Financing

Conventional: Yes

Exterior

Vinyl: Yes

Family Room Characteristics

Main Level: Yes

Fencing

Chain Link: Yes
Other: Yes

Financing Terms

Conventional: Yes

Fireplace Characteristics

Living Room: Yes
Wood Burning: Yes
Other: Yes

Foundation

Concrete Block: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Lock Box Type

Supra: Yes

Lot Description

Public Transit (w/in 6 blks): Yes
Tree Coverage - Medium: Yes

Outbuildings

Workshop: Yes

Pool Description

None: Yes

Road Frontage

City Street: Yes

Roof

Age 8 Years or Less: Yes
Asphalt Shingles: Yes

Sellers Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Sewer

City Sewer/Connected: Yes

Special Search

3 BR on One Level: Yes
All Living Facilities on One Level: Yes
Main Floor Bedroom: Yes

Stories

One: Yes

Water

City Water/Connected: Yes

Room Information

Room Name	Dimensions	Level
Living Room	21x13	Main
Other	40x28	Main
Screened Porch	14x12	Main
Foyer	11x4	Main
Second (2nd) Bedroom	13x11	Main
Third (3rd) Bedroom	11x10	Main
Kitchen	18x11	Main
First (1st) Bedroom	17x12	Main
Dining Room	12x10	Main
Family Room	18x15	Main

Listing Office: EXIT Realty Springside

Last Updated: July - 12 - 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.