5511 Hugo Rd, White Bear Township, MN, 55110
About This Home
Situated on a beautiful wooded corner lot near Bald Eagle Lake, this thoughtfully updated two-story home offers the perfect blend of privacy, charm, and convenience. Surrounded by mature trees and peaceful views, the setting feels like a private retreat while still being just minutes from downtown White Bear Lake, beaches, parks, shopping, restaurants, and everyday amenities, just in time for summer. Inside, you’ll find a warm and welcoming layout filled with character, natural light, soaring vaulted ceilings, and walls of windows that bring the outdoors in. The spacious main level is ideal for relaxing, entertaining, or enjoying morning coffee year-round, while the oversized bedrooms provide comfort and flexibility. Out back, enjoy the relaxing screened porch and expansive deck overlooking the private yard with room to garden, entertain, or simply enjoy nature. The oversized 2-car garage provides excellent storage, and the lower level offers future finishing potential with a partially finished bonus room already in place.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1993
Materials
- Roof: Age Over 8 Years
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Stainless Steel Appliance(s),Wall Oven,Washer,Water Softener Owned
- Laundry features: Laundry Room,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Crawl Space,Daylight,Full,Owner Access,Partially Finished,Storage Space,Walk-Out Access
Bathroom
- Level: Main
- Area: 25
- Dimensions: 5 x 5
Bathroom
- Level: Main
- Area: 100
- Dimensions: 10 x 10
Bathroom
- Level: Upper
- Area: 58.5
- Dimensions: 9 x 6.5
Bedroom
- Level: Main
- Area: 192
- Dimensions: 16 x 12
Bedroom2
- Level: Main
- Area: 132.25
- Dimensions: 11.5 x 11.5
Bedroom3
- Level: Upper
- Area: 210
- Dimensions: 15 x 14
Bedroom4
- Level: Upper
- Area: 210
- Dimensions: 15 x 14
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 176
- Dimensions: 16 x 11
Features
- Number of fireplaces: 1
- Fireplace features: Brick,Family Room,Living Room,Wood Burning
- Fireplace: Yes
- Finished area below ground: 405
- Finished area above ground: 2,475
Foyer
- Level: Main
- Area: 60.5
- Dimensions: 11 x 5.5
Heating & Cooling
- Heating features: Forced Air,Fireplace(s)
- Cooling features: Central Air
Interior Area
- Total structure area: 3,860
- Total interior livable area: 2,880 sqft
Kitchen
- Level: Main
- Area: 240
- Dimensions: 16 x 15
Laundry
- Level: Main
- Area: 35
- Dimensions: 7 x 5
Living Room
- Level: Main
- Area: 332.5
- Dimensions: 19 x 17.5
Other
- Level: Lower
- Area: 342
- Dimensions: 18 x 19
Other
- Level: Lower
- Area: 442
- Dimensions: 34 x 13
Recreation Room
- Level: Lower
- Area: 380
- Dimensions: 20 x 19
Screened Porch
- Level: Main
- Area: 144
- Dimensions: 12 x 12
Workshop
- Level: Lower
- Area: 50
- Dimensions: 10 x 5
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 123022210034
- Zoning description: Residential-Single Family
- Foundation area: 1572
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Enclosed,Patio,Rear Porch,Screened
- Fencing: None
Lot
- Lot size: 0.50 Acres
- Features: Corner Lot,Irregular Lot,Tree Coverage - Heavy,Tree Coverage - Medium
- Lot size dimensions: 182' x 120'
Parking
- Total spaces: 2
- Parking features: Attached,Asphalt,Driveway - Other Surface,Shared Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Tornado
- 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 | $2,477 | $29,724 |
| Home Insurance * | $329 | $3,948 |
| Property Taxes | $563 | $6,756 |
| Electricity | $242 | $2,914 |
| Total | $3,611 | $43,332 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Pending sale | $489,900 |
| 2026-07-27 | Price change | $489,900 |
| 2026-07-14 | Price change | $499,900 |
| 2026-06-29 | Listed for sale | $515,000 |
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