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4700 McDonald Drive Pl N, Stillwater, MN, 55082

5beds
4baths
4,412sqft
$1,195,000
$271price/sqft
$8,001/moest. monthly cost
$320,040/yrincome needed

About This Home

Refined Living in Cloverdale Farm Set on two-and-a-half beautifully manicured acres in the prestigious Cloverdale Farm community, this exceptional residence offers a rare blend of elegance, privacy, and connection to nature — just minutes from Historic Downtown Stillwater, Lake Elmo, and convenient access to the greater SE metro. Designed for both everyday comfort and elevated entertaining, the home features an outstanding floor plan with a main-level primary suite, offering convenience and quiet retreat. The remodeled kitchen is both sophisticated and welcoming — thoughtfully upgraded with quality finishes and seamlessly connected to the main living spaces. Two fireplaces create warmth and architectural presence, anchoring gathering areas that feel both intimate and grand. The walkout lower level is a true showpiece, featuring a full custom bar and exquisite woodwork — an entertainer’s dream ideal for hosting unforgettable evenings, celebrations, or relaxed nights at home. All bathrooms have been beautifully remodeled with timeless design and modern upgrades, reflecting meticulous care throughout. Outdoors, a private patio and fire feature overlook sweeping green space, offering tranquil sunset views and exceptional privacy. The expansive grounds are impeccably maintained and provide the perfect balance of openness and seclusion. Residents of Cloverdale Farm enjoy association amenities including a newly upgraded (2025) tennis and pickleball court, scenic walking paths, and lake access with excellent fishing — enhancing the lifestyle this remarkable home already delivers. This is not simply a home — it is a refined retreat offering luxury, space, and proximity to the charm of Stillwater.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
8/10
Stillwater Middle SchoolGrades 6-83.0 mi
10/10

Construction

Condition

  • Year built: 1995

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Egress Window(s),Finished,Full

Bedroom

  • Level: Main
  • Area: 270
  • Dimensions: 18x15

Bedroom2

  • Level: Upper
  • Area: 182
  • Dimensions: 14x13

Bedroom3

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom4

  • Level: Upper
  • Area: 165
  • Dimensions: 15x11

Bedroom5

  • Level: Lower
  • Area: 270
  • Dimensions: 18x15

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 154
  • Dimensions: 14x11

Family Room

  • Level: Lower
  • Area: 693
  • Dimensions: 33x21

Features

  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,770
  • Finished area above ground: 2,642

Heating & Cooling

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

Interior Area

  • Total structure area: 4,412
  • Total interior livable area: 4,412 sqft

Kitchen

  • Level: Main
  • Area: 704
  • Dimensions: 32x22

Living Room

  • Level: Main
  • Area: 288
  • Dimensions: 18x16

Office

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Storage

  • Level: Lower
  • Area: 100
  • Dimensions: 10x10

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 0702920240008
  • Zoning description: Residential-Single Family
  • Foundation area: 1770

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Waterfront features: Deeded Access

Lot

  • Lot size: 2.51 Acres
  • Lot size dimensions: 320 x 409 ireg

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Lightning
Tornado
Inland Flooding
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 $6,042$72,504
Home Insurance *$684$8,208
Property Taxes $903$10,836
Electricity $372$4,465
Total$8,001$96,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$274,320/yr
40% on housing$240,030/yr
45% on housing$213,360/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

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 55082$229
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55082$219
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
2026-04-21Price change$1,300,000
2026-03-13Listed for sale$1,400,000
2000-12-02Sold$495,000

For Sale by Agent

AgentRichard G McDonough
BrokerageLakes Sotheby's International Realty

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