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401 Birchwood Ave, White Bear Lake, MN, 55110

3beds
2baths
1,725sqft
$480,000
$278price/sqft
$3,356/moest. monthly cost
$134,240/yrincome needed

About This Home

MULTIPLE OFFERS HAVE BEEN RECEIVED. OFFERS DUE BY 1:30PM ON SATURDAY, AUGUST 8TH. Love where you live! This Birchwood Village gem is nestled in a sought-after location just steps from White Bear Lake beaches, parks, tennis/pickle ball courts and the Lake Links Trail. If you enjoy lake life, you will love the deeded access to 5 different Birchwood beaches. This meticulously cared for property has been completely transformed inside and out with thoughtful upgrades, stylish design choices, and many inviting features that add to the desirability. Home boasts sun-drenched rooms with vaulted ceiling, skylights, stately gas fireplace, wet bar, and scenic outdoor living areas including a maintenance free deck, flagstone patio and a charming gazebo overlooking the lush fenced-in backyard. Abundant storage in the home, and in the 2 outdoor sheds. The exterior of the home has been freshly painted, and new stone was added on the front. Gorgeous, upgraded landscaping on this large double lot (lot 5&6) with mature trees and custom decorative fencing. The sellers have taken this lovely home to another level since time of ownership. Move in and enjoy! One year HSA Home Warranty provided for the buyer. BIRCHWOOD VILLAGE INFORMATION: There is lake access to 5 beach areas for village residents. See supplements for use and optional Birchwood Dock Association membership. Residents can use these parks for swimming and picnicking. Each lake tract / beach has a private dock owned and maintained by the Birchwood Dock Association (BDA) except Kay Beach, which is reserved for swimming only. The BDA is a local organization made up exclusively of Birchwood residents. Every Birchwood resident may become a member of the BDA and put their name on a waiting list for a boat slip, but membership is not required for Birchwood resident to access the docks. Access is open to all village residents, but boat slips are limited and allocated via a waiting list lottery system. All boats must use lifts (no mooring directly to docks), and slips are granted for up to 6 years. Here's a breakdown of costs: -BDA Membership Dues: $35 per year, waiting List Deposit: $200 (refundable or applied toward fees once a slip is available).

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1972

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Wine Cooler
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Block,Egress Window(s),Finished,Walk-Out Access

Bedroom

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

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Level: Lower
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

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

Deck

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

Dining Room

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Family Room

  • Level: Lower
  • Area: 484
  • Dimensions: 22x22

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 732
  • Finished area above ground: 993

Heating & Cooling

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

Interior Area

  • Total structure area: 1,986
  • Total interior livable area: 1,725 sqft

Kitchen

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

Living Room

  • Level: Main
  • Area: 325
  • Dimensions: 25x13

Other

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

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3003021240067
  • Zoning description: Residential-Single Family
  • Foundation area: 993

Features

  • Levels: Multi/Split
  • Patio & porch: Composite Decking,Deck,Patio
  • Fencing: Chain Link,Wood
  • Waterfront features: Association Access,Deeded Access,Shared

Lot

  • Lot size: 1,481 sqft
  • Features: Corner Lot,Tree Coverage - Medium
  • Lot size dimensions: 79 x 140 x 130 x 150

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway - Other Surface,Guest
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Lightning
Tornado
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 $2,427$29,124
Home Insurance *$323$3,876
Property Taxes $436$5,232
Electricity $170$2,050
Total$3,356$40,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,062/yr
40% on housing$100,680/yr
45% on housing$89,493/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

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 55110$172
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55110$200
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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$480,000
2026-08-07Listed for sale$480,000
2024-04-03Sold$467,500
2024-04-02Pending sale$439,000
2024-03-04Listing removed--
2024-03-02Listed for sale$439,000
2013-12-27Sold$210,000
2013-11-18Listed for sale$229,500
2013-03-01Sold$176,500

For Sale by Agent

AgentJane E. Bacchus
BrokerageEdina Realty, Inc.

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