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6851 N Shore Trl N, Forest Lake, MN, 55025

6beds
7baths
7,992sqft
$2,075,000
$260price/sqft
$14,535/moest. monthly cost
$581,400/yrincome needed

About This Home

Welcome to a once-in-a-lifetime opportunity on Forest Lake’s coveted “Gold Coast” — a 1 owner, custom built lakeshore estate designed to feel like a timeless 1920s seaside cottage. Crafted in 2005, this one-of-a-kind home rests on a beautifully landscaped 550’ deep lot with 100’ of south-facing sandy shoreline on Forest Lake’s desirable First Lake. Positioned 400 feet from the road, the home offers serenity, abundant natural light & gentle summer breezes—just minutes from local amenities & freeway access, allowing for an easy 35-minute commute to the Twin Cities. Designed by renowned architect Ben Nelson, the home showcases exceptional craftsmanship with 12” precast Spancrete floors, TimberStrand framing & in-floor radiant heat on all three levels (excluding the upper garage & guest apartment). Energy-efficient features include 2x6 construction, Corbond foam insulation, Owens Corning Berkshire shingles & maintenance-free Nailite siding with Azek trim. The property features an impressive, attached garage configuration with a 3+ car upper garage and a 4+ car lower garage—offering exceptional space for vehicles, hobbies & all your recreational equipment, from lake gear to outdoor toys. The lower garage is fully equipped with in-floor heat, a floor drain, insulated walls & a 100-amp subpanel, adding functionality & year-round usability. The home offers 4 bedrooms, a dedicated office & additional flexible spaces perfect for a sewing room, workout room, or creative studio. It also includes a separate living suite—providing versatility for a variety of lifestyles, multi-generational living, or extended guests. There are 3 full baths, 3 three-quarter baths & 1 half baths. Most bedrooms feature beautiful lake views, enhancing the connection to the setting throughout. The spectacular great room features soaring cathedral ceilings, a floor-to-ceiling stone gas fireplace, custom built-ins & panoramic lake views. Majestic eagles often glide across the water, adding to the peaceful, scenic setting. The home also features a dedicated 13-seat theater room—perfect for movie nights, entertaining, or enjoying the big game in comfort. The main-floor primary suite offers a private lakeview balcony, a marble fireplace, a jetted tub, a rain shower, dual marble sinks, a walk-in closet & a charming nautical porthole window with patio seating. The chef’s kitchen is thoughtfully designed with a 6-burner Viking range, double wall oven, Miele panel-front dishwasher, granite island, copper ceiling & custom cabinetry. Adjacent are a formal dining room & an inviting breakfast space. The main-floor laundry features Zodiac blue quartz counters, a washer/dryer, a sink & a convenient laundry chute. Enjoy year-round lakeside living in the 3-season porch, which features a vaulted ceiling & E-Z Breeze window system, along with a maintenance-free Azek deck added in 2023. Every space reflects thoughtful design, comfort & timeless character. The private guest apartment above the garage offers access from the loft & a separate entrance from the main-level garage, providing excellent flexibility & privacy. This space includes a full kitchen, dining area, bedroom, three-quarter bath with a fully tiled shower, hickory floors, skylight & baseboard heat—ideal for guests, extended family, or independent living.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
Wyoming Elementary SchoolGrades PK-62.2 mi
7/10
7/10

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Age Over 8 Years,Architectural Shingle,Asphalt,Pitched
  • Construction materials: Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Central Vacuum,Chandelier,Dishwasher,Disposal,Double Oven,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Freezer,Gas Water Heater,Microwave,Other,Range,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Washer,Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished,Full,Other,Concrete,Storage Space,Tile Shower,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 458.16
  • Dimensions: 18.4x24.9

Bedroom2

  • Level: Upper
  • Area: 477
  • Dimensions: 21.2x22.5

Bedroom3

  • Level: Upper
  • Area: 462.5
  • Dimensions: 18.5x25

Bedroom4

  • Level: Basement
  • Area: 230.23
  • Dimensions: 16.1x14.3

Bedroom5

  • Level: Upper
  • Area: 116.8
  • Dimensions: 14.6x8

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 3
  • 3/4 bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 220.98
  • Dimensions: 12.7x17.4

Dining Room

  • Level: Main
  • Area: 152.207
  • Dimensions: 13.7x11.11

Family Room

  • Level: Lower
  • Area: 807.69
  • Dimensions: 24.7x32.7

Features

  • Central Vacuum
  • Number of fireplaces: 3
  • Fireplace features: Brick,Family Room,Masonry,Gas,Insert,Living Room,Primary Bedroom,Stone
  • Fireplace: Yes
  • Finished area below ground: 2,000
  • Finished area above ground: 5,382

Heating & Cooling

  • Heating features: Baseboard,Boiler,Dual Fuel/Off Peak,Fireplace(s),Heat Pump,In-Floor Heating,Radiant
  • Cooling features: Central Air,Whole House Fan

Interior Area

  • Total structure area: 7,992
  • Total interior livable area: 7,992 sqft

Kitchen

  • Level: Main
  • Area: 278.2
  • Dimensions: 21.4x13

Living Room

  • Level: Main
  • Area: 466.31
  • Dimensions: 21.1x22.1

Media Room

  • Level: Basement
  • Area: 325.05
  • Dimensions: 16.5x19.7

Office

  • Level: Basement
  • Area: 266.88
  • Dimensions: 13.9x19.2

Other

  • Level: Upper

Other

  • Level: Main
  • Area: 242.55
  • Dimensions: 14.7x16.5

Property

Accessibility

  • Accessibility features: Hallways 42"+

Details

  • Parcel number: 0403221120015
  • Zoning description: Residential-Single Family
  • Foundation area: 2610

Features

  • Levels: More Than 2 Stories
  • Pool features: None
  • Patio & porch: Awning(s),Composite Decking,Covered,Deck,Enclosed,Front Porch,Other,Patio,Rear Porch,Screened
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Panoramic,South
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Bottom(Excellent Sand)
  • Frontage length: Water Frontage: 100

Lot

  • Lot size: 1.25 Acres
  • Features: Accessible Shoreline,Tree Coverage - Medium
  • Lot size dimensions: 100 x 552

Parking

  • Total spaces: 8
  • Parking features: Attached,Concrete,Floor Drain,Garage,Garage Door Opener,Insulated Garage,Multiple Garages,Tuckunder Garage
  • Has garage: Yes
  • Attached garage spaces: 8
  • Covered spaces: 8
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Lightning
Winter Weather

FEMA Declared Disasters in Washington 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 $10,492$125,904
Home Insurance *$1,159$13,908
Property Taxes $2,210$26,520
Electricity $674$8,088
Total$14,535$174,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$498,342/yr
40% on housing$436,050/yr
45% on housing$387,600/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$260This listing

vs Other Active Listings

Avg $/sqft

ZIP 55025$234
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55025$188
Washington County$201

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

DateEventPrice
2026-05-07Price change$2,295,000
2026-04-10Listed for sale$2,350,000
2025-10-20Listing removed$2,350,000
2025-07-06Listed for sale$2,350,000
2003-05-13Sold$485,000

For Sale by Agent

AgentKellie Tabery
BrokerageeXp Realty

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