4585 Otter Lake Rd, White Bear Lake, MN, 55110
About This Home
Rare Opportunity: Solid Stucco Rambler on Nearly Half an Acre! For the first time in decades, this meticulously maintained home is ready for its next chapter. Situated on a sprawling .41-acre lot, this property offers a level of privacy and outdoor space that is increasingly rare in White Bear Lake. Step inside to find a "clean slate" perfect for building instant equity. The main level features a sun-filled layout, three bedrooms, and a fully functional wood burning fireplace right as you walk in the front door. While you bring your cosmetic vision to the interior, the high-cost "big ticket" items are already handled: the Furnace and AC were replaced within the last few years, and the roof is approximately 5-6 years old. Note: Property will include all remaining personal property for the buyer's convenience. Walking distance to Birch Lake Elementary, steps from local trails, and seamless access to 35E. All dimensions are approximate; buyers and buyer’s agents to verify all information.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1956
Materials
- Roof: Age 8 Years or Less
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Laundry features: Laundry Room
Basement
- Has basement: Yes
- Basement: Block
Bathroom
- Level: Main
Bedroom
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,008
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,408
- Total interior livable area: 1,008 sqft
Kitchen
- Level: Main
Laundry
- Level: Basement
Living Room
- Level: Main
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 153022340028
- Zoning description: Residential-Single Family
- Foundation area: 1008
Features
- Levels: One
- Stories: 1
- Patio & porch: Rear Porch
Lot
- Lot size: 0.41 Acres
- Lot size dimensions: 92 x 196
Parking
- Total spaces: 1
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- 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 | $1,643 | $19,716 |
| Home Insurance * | $218 | $2,616 |
| Property Taxes | $337 | $4,044 |
| Electricity | $170 | $2,050 |
| Total | $2,368 | $28,416 |
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 |
|---|---|---|
| 2026-06-30 | Price change | $325,000 |
| 2026-06-11 | Price change | $340,000 |
| 2026-05-12 | Listed for sale | $350,000 |
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