4990 126th St N, White Bear Lake, MN, 55110
About This Home
Tucked into a peaceful setting just moments from Bald Eagle Lake, this well laid out home offers the perfect balance of space, comfort, and nature. With four bedrooms and three bathrooms, including three bedrooms on the upper level, the layout is designed for everyday living. The private primary suite provides a spacious retreat with its own en-suite bath. The heart of the home opens to an inviting living room where sliding doors frame tranquil wetland views. Exit outside to the expansive deck or relax in the screened porch—ideal spaces for morning coffee or entertaining while enjoying the privacy of the natural surroundings. Just off the kitchen, a bright sun room leads to a second porch, creating another peaceful place to unwind. An oversized three-stall garage provides exceptional storage and workspace, while recent updates—including the roof, air conditioning, water filtration system, refrigerator, and dishwasher—offer peace of mind for years to come. While the basement has a low ceiling height, and is not counted towards the finished space in the home, it provides a great additional space for storage and play. Combining a functional floor plan, beautiful outdoor living spaces, and a location just minutes from Bald Eagle Lake, this home is ready to be enjoyed both inside and out.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1991
Materials
- Roof: Age 8 Years or Less,Asphalt
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Humidifier,Water Filtration System,Water Osmosis System,Microwave,Refrigerator,Tankless Water Heater,Wall Oven,Washer,Water Softener Owned
- Laundry features: Laundry Room,Main Level,Sink,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Daylight,Drain Tiled,Sump Pump
Bedroom
- Level: Upper
- Area: 208
- Dimensions: 16x13
Bedroom2
- Level: Upper
- Area: 156
- Dimensions: 13x12
Bedroom3
- Level: Upper
- Area: 140
- Dimensions: 14x10
Bedroom4
- Level: Main
- Area: 130
- Dimensions: 13x10
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Deck
- Level: Main
- Area: 272
- Dimensions: 17x16
Family Room
- Level: Main
- Area: 368
- Dimensions: 23x16
Features
- Fireplace features: Other
- Finished area below ground: 0
- Finished area above ground: 2,743
Heating & Cooling
- Heating features: Forced Air,In-Floor Heating
- Cooling features: Central Air
Informal Dining Room
- Level: Main
- Area: 180
- Dimensions: 18x10
Interior Area
- Total structure area: 3,952
- Total interior livable area: 2,743 sqft
Kitchen
- Level: Main
- Area: 352
- Dimensions: 22x16
Laundry
- Level: Main
- Area: 70
- Dimensions: 10x07
Living Room
- Level: Main
- Area: 352
- Dimensions: 22x16
Screened Porch
- Level: Main
- Area: 195
- Dimensions: 15x13
Sun Room
- Level: Main
- Area: 90
- Dimensions: 10x09
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 3103121140011
- Zoning description: Residential-Single Family
- Foundation area: 1783
Features
- Levels: Modified Two Story
- Stories: 2
- Pool features: None
- Patio & porch: Deck,Screened,Side Porch
- Fencing: None
Lot
- Lot size: 1.09 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 138 x 342
Parking
- Total spaces: 3
- Parking features: Attached,Concrete,Floor Drain,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Tornado
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Washington 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 | $2,781 | $33,372 |
| Home Insurance * | $370 | $4,440 |
| Property Taxes | $568 | $6,816 |
| Electricity | $231 | $2,776 |
| Total | $3,950 | $47,400 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Pending sale | $550,000 |
| 2026-07-20 | Price change | $550,000 |
| 2026-07-13 | Listed for sale | $575,000 |
| 2018-05-01 | Sold | $410,000 |
| 2018-02-12 | Listed for sale | $409,900 |
| 2017-07-27 | Listing removed | $399,900 |
| 2017-07-12 | Price change | $399,900 |
| 2017-07-03 | Listed for sale | $409,900 |
| 2017-06-06 | Pending sale | $409,900 |
| 2017-05-08 | Listed for sale | $409,900 |
| 2014-08-27 | Sold | $365,000 |
| 2010-04-14 | Sold | $327,900 |
| 1999-02-05 | Sold | $240,702 |
| 1997-11-20 | Sold | $162,000 |
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