4 W Bay Ln, North Oaks, MN, 55127
About This Home
Custom-built one-owner home, nestled on a private wooded lot on the island of Pleasant Lake. Luxurious estate-style property on 1.44 acres with 6 bedrooms, 10 bathrooms, 10,838 square feet, and in the highly sought-after Mounds View School District. Featuring beautiful architecture with open-concept spaces that flow into one another. This exceptional property is grand and hotel-like with many amenities and ensuite bathrooms for every bedroom. Age in place with a main-level primary suite. Perfect home for entertaining and/or a multi-generational family!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Roof: Age 8 Years or Less,Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Central Vacuum,Chandelier,Cooktop,Dishwasher,Disposal,Dryer,Exhaust Fan,Humidifier,Indoor Grill,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Washer,Water Softener Owned,Wine Cooler
- Laundry features: Laundry Room,Main Level,Sink
Basement
- Has basement: Yes
- Basement: Daylight,Drain Tiled,Egress Window(s),Finished,Full,Storage Space,Sump Pump,Walk-Out Access
Bedroom
- Level: Main
- Area: 285
- Dimensions: 19x15
Bedroom2
- Level: Upper
- Area: 340
- Dimensions: 17x20
Bedroom3
- Level: Upper
- Area: 224
- Dimensions: 14x16
Bedroom4
- Level: Upper
- Area: 225
- Dimensions: 15x15
Bedroom5
- Level: Upper
- Area: 240
- Dimensions: 15x16
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 10
- Full bathrooms: 4
- 3/4 bathrooms: 3
- 1/2 bathrooms: 3
Dining Room
- Level: Main
- Area: 336
- Dimensions: 16x21
Family Room
- Level: Main
- Area: 468
- Dimensions: 18x26
Features
- Central Vacuum
- Number of fireplaces: 4
- Fireplace features: Double Sided,Family Room,Gas,Primary Bedroom,Wood Burning
- Finished area below ground: 3,629
- Finished area above ground: 7,209
Flex Room
- Level: Upper
- Area: 500
- Dimensions: 20x25
Foyer
- Level: Main
- Area: 330
- Dimensions: 15x22
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 10,838
- Total interior livable area: 10,838 sqft
Kitchen
- Level: Main
- Area: 720
- Dimensions: 18x40
Living Room
- Level: Main
- Area: 336
- Dimensions: 16x21
Loft
- Level: Third
- Area: 442
- Dimensions: 17x26
Recreation Room
- Level: Lower
- Area: 1088
- Dimensions: 32x34
Study
- Level: Main
- Area: 224
- Dimensions: 14x16
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 073022320008
- Zoning description: Residential-Single Family
- Foundation area: 3644
Features
- Levels: More Than 2 Stories
- Pool features: None
- Patio & porch: Deck,Porch
- Fencing: None
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake View
Lot
- Lot size: 1.44 Acres
- Features: Irregular Lot,Island/Peninsula,Tree Coverage - Medium
- Lot size dimensions: Irregular
Parking
- Total spaces: 4
- Parking features: Attached,Driveway - Other Surface,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Hail
- Heat Wave
- Inland Flooding
- Landslide
- Tornado
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Ramsey County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $10,087 | $121,044 |
| Home Insurance * | $981 | $11,772 |
| Property Taxes | $1,707 | $20,484 |
| Electricity | $914 | $10,969 |
| Total | $13,689 | $164,268 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-13 | Listed for sale | $1,995,000 |
| 2025-12-30 | Listing removed | $2,250,000 |
| 2025-08-20 | Listed for sale | $2,250,000 |
| 2025-08-20 | Listing removed | $2,300,000 |
| 2025-04-24 | Price change | $2,300,000 |
| 2025-03-21 | Listed for sale | $2,450,000 |
| 2009-10-25 | Listing removed | $1,595,000 |
| 2009-03-19 | Price change | $1,595,000 |
| 2008-09-16 | Listed for sale | $1,700,000 |
| 1998-11-18 | Sold | $170,000 |
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