4696 126th St N, White Bear Lake, MN, 55110
About This Home
Welcome to Oakshore Park! An exclusive lakefront community featuring private, wooded, and peaceful 1+ acre homesites. This rare opportunity includes deeded lake access with exceptional amenities, including a private boat launch, lakeside park, and waterfront marina (boat slips available for an additional fee). Properties in Oakshore Park seldom become available, making this a truly unique opportunity. This well-maintained modified two-story home offers 3 bedrooms on one level, a spacious main-floor family room with a cozy gas fireplace, an updated kitchen featuring hard-surface countertops, an informal dining area, formal dining room, and an oversized living room highlighted by a charming wood-burning fireplace. Additional features include city water and sewer, a private well dedicated to the irrigation system, and a whole-house backup generator for peace of mind year-round. The oversized attached garage provides excellent storage, and the expansive wooded 1-acre lot offers ample space for a future detached garage or outbuilding. Enjoy an outstanding location just over a block from a beautiful 10-acre neighborhood park featuring a covered picnic shelter, playground, sledding hill, trails, open play fields, and sport court. Experience the perfect combination of privacy, recreation, and lake living. Once you discover Oakshore Park, you'll understand why residents never want to leave!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1968
Materials
- Construction materials: Block,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Humidifier,Gas Water Heater,Microwave,Other,Range,Refrigerator,Water Softener Owned
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Block,Drain Tiled,Drainage System,Full,Other,Partially Finished,Storage Space,Sump Basket,Sump Pump
Bedroom
- Level: Upper
- Area: 154
- Dimensions: 14 x 11
Bedroom2
- Level: Upper
- Area: 156
- Dimensions: 13 x 12
Bedroom3
- Level: Upper
- Area: 156
- Dimensions: 13 x 12
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
- Area: 156
- Dimensions: 13 x 12
Family Room
- Level: Main
- Area: 520
- Dimensions: 26 x 20
Features
- Number of fireplaces: 2
- Fireplace features: Brick,Family Room,Masonry,Gas,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,300
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Informal Dining Room
- Level: Main
- Area: 100
- Dimensions: 10 x 10
Interior Area
- Total structure area: 3,200
- Total interior livable area: 2,300 sqft
Kitchen
- Level: Main
- Area: 132
- Dimensions: 12 x 11
Laundry
- Level: Lower
- Area: 143
- Dimensions: 13 x 11
Living Room
- Level: Main
- Area: 420
- Dimensions: 28 x 15
Office
- Level: Lower
- Area: 442
- Dimensions: 26 x 17
Storage
- Level: Lower
- Area: 143
- Dimensions: 13 x 11
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 3103121240017
- Zoning description: Residential-Single Family
- Foundation area: 1456
Features
- Levels: Modified Two Story
- Stories: 2
- Patio & porch: Deck
- Fencing: Invisible
- Has view: Yes
- View description: See Remarks
- Waterfront features: Association Access,Deeded Access,Other
Lot
- Lot size: 1.02 Acres
- Features: Accessible Shoreline,Tree Coverage - Heavy
- Lot size dimensions: 169 x 263 x 169 x 261
Parking
- Total spaces: 2
- Parking features: Attached,Concrete,Electric,Floor Drain,Garage Door Opener,Insulated Garage,Other
- 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
- 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 | $2,881 | $34,572 |
| Home Insurance * | $383 | $4,596 |
| Property Taxes | $543 | $6,516 |
| Electricity | $193 | $2,327 |
| Total | $4,000 | $48,000 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-20 | Listed for sale | $569,900 |
| 2026-07-20 | Listing removed | $589,900 |
| 2026-06-15 | Listed for sale | $589,900 |
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