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2360 Circle Dr, White Bear Lake, MN, 55110

3beds
2baths
1,972sqft
$200,000
$101price/sqft
$1,608/moest. monthly cost
$64,320/yrincome needed

About This Home

MULTIPLE OFFERS. HIGHEST AND BEST OFFERS DUE BY MONDAY AUGUST 10TH AT 2PM. One-of-a-kind rambler located just blocks from beautiful White Bear Lake, offering an incredible opportunity to build equity in one of the area's most desirable neighborhoods. This home features three bedrooms on the main level, an oversized living room and dining room filled with natural light, and a spacious kitchen ready for your personal updates and design ideas. Outside, you'll find an extra-large two-car garage with an attached workshop, a huge backyard deck with a built-in firepit that's perfect for entertaining, grilling, or relaxing, plus a storage shed for lawn equipment and additional storage. The beautifully landscaped yard features mature pine trees, a graceful willow tree, colorful perennial gardens with lilacs and lilies, and edible mulberry bushes, creating a peaceful outdoor setting to enjoy for years to come. The handsome brick and siding exterior is in excellent condition, providing timeless curb appeal and a solid foundation for future improvements. The lower level offers more than 1,000 square feet of unfinished space, creating endless possibilities to expand the home's living area, add additional bedrooms or a family room, and significantly increase its value. Similar remodeled homes in the area have sold for over $400,000, making this an outstanding opportunity for homeowners and investors alike. The location is just as impressive as the home itself. Enjoy being minutes from White Bear Lake's beaches, boating, fishing, walking trails, and year-round recreation. Matoska Park and Lakewood Hills Park are nearby, while charming downtown White Bear Lake offers locally owned restaurants, coffee shops, boutiques, spas, Marketfest, and community events throughout the year. You'll also appreciate the home's exceptional walkability, with multiple schools, Century College, the White Bear Center for the Arts, Hanifl Performing Arts Center, Tamarack Nature Center, the YMCA, and the library all just minutes away. Convenient access to Highway 61 and I-694 makes commuting easy, all within the highly regarded White Bear Lake Area School District. Whether you're looking to renovate, invest, or create your forever home, this property offers the location, lot, layout, and upside that's becoming increasingly difficult to find. Come see it today!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1956

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: None
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Block

Bathroom

  • Level: Main
  • Area: 45
  • Dimensions: 5x9

Bedroom

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom2

  • Level: Main
  • Area: 168
  • Dimensions: 12x14

Bedroom3

  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Features

  • Finished area below ground: 900
  • Finished area above ground: 1,072

Foyer

  • Level: Main
  • Area: 42
  • Dimensions: 3x14

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,144
  • Total interior livable area: 1,972 sqft

Kitchen

  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Living Room

  • Level: Main
  • Area: 216
  • Dimensions: 12x18

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 253022320040
  • Zoning description: Residential-Single Family
  • Foundation area: 1072

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch
  • Fencing: Chain Link

Lot

  • Lot size: 0.27 Acres
  • Features: Corner Lot
  • Lot size dimensions: 90 x 133

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Hail
Winter Weather

FEMA Declared Disasters in Ramsey County and Minnesota

Flood
Severe Storm
Straight Line Winds

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

MonthlyAnnual
Mortgage $1,011$12,132
Home Insurance *$134$1,608
Property Taxes $293$3,516
Electricity $170$2,050
Total$1,608$19,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,131/yr
40% on housing$48,240/yr
45% on housing$42,880/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

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.

Insurance Growth Rate5-year average: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 55110$175
Ramsey County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 55110$200
Ramsey County$198

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

DateEventPrice
2026-08-11Pending sale$200,000
2026-08-06Listed for sale$200,000
2001-08-27Sold$165,000

For Sale by Agent

AgentArne R Johansson
BrokerageeXp Realty

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