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5028 White Pine St, Hermantown, MN, 55811

6beds
4baths
4,501sqft
$975,000
$217price/sqft
$6,622/moest. monthly cost
$264,880/yrincome needed

About This Home

Welcome to this stunning 6-bedroom, 4-bathroom home in desirable Hermantown, offering direct access to the neighborhood trails and amenities. A grand foyer welcomes you into the heart of the home, where vaulted ceilings and an open-concept design create a bright and inviting atmosphere. The living room features soaring ceilings, a beautiful stone fireplace, and custom built-in cabinetry, seamlessly flowing into the spacious kitchen. Designed for both everyday living and entertaining, the kitchen boasts a large center island, abundant cabinetry, a breakfast nook, generous pantry, and dedicated office area. A formal dining room provides the perfect setting for gatherings and is complemented by an adjacent wet bar complete with a wine fridge. The main-floor primary suite is a true retreat, featuring peaceful backyard views, dual closets, and a luxurious private bath with separate vanities, a soaking tub, and a walk-in shower. The main level also includes a tiled half bath, a mudroom with built-ins and coat closet off the heated 3-car garage, and a conveniently located laundry room. Upstairs, you'll find three spacious bedrooms and a full bath. The finished lower level offers even more living space with a large family room featuring a fireplace and wet bar, a dedicated office, two additional bedrooms, and a beautifully finished ¾ tiled bath. Step outside to enjoy the large deck overlooking the backyard, convenient storage space beneath the garage, and a path leading directly to the community trail system. This exceptional Hermantown home combines luxury, functionality, and an unbeatable location.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

8/10
8/10
Hermantown Middle SchoolGrades 5-82.4 mi
10/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2011

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt Shingle
  • Construction materials: Cement Board,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater-Gas,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Egress Windows,Bath,Bedrooms,Den/Office,Family/Rec Room,Fireplace,Utility Room

Bedroom

  • Level: Lower
  • Area: 167.7
  • Dimensions: 13 x 12.9

Bedroom

  • Level: Lower
  • Area: 193.5
  • Dimensions: 15 x 12.9

Bedroom

  • Level: Upper
  • Area: 147.62
  • Dimensions: 12.2 x 12.1

Bedroom

  • Level: Upper
  • Area: 171.25
  • Dimensions: 12.5 x 13.7

Bedroom

  • Level: Upper
  • Area: 149.86
  • Dimensions: 11.8 x 12.7

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 142.08
  • Dimensions: 11.1 x 12.8

Family Room

  • Level: Lower
  • Area: 747.12
  • Dimensions: 28.3 x 26.4

Features

  • Ceiling Fan(s),Eat In Kitchen,Kitchen Island,Vaulted Ceilings,Walk-In Closet(s),Foyer-Entrance
  • Window features: Energy Windows
  • Flooring: Hardwood Floors
  • Number of fireplaces: 2
  • Fireplace features: Gas,Basement
  • Fireplace: Yes
  • Finished area below ground: 1,780
  • Finished area above ground: 2,721

Foyer

  • Level: Main
  • Area: 50.25
  • Dimensions: 7.5 x 6.7

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 4,501 sqft

Kitchen

  • Level: Main
  • Area: 401.83
  • Dimensions: 28.1 x 14.3

Living Room

  • Level: Main
  • Area: 327.04
  • Dimensions: 14.6 x 22.4

Master Bedroom

  • Level: Main
  • Area: 206.4
  • Dimensions: 12 x 17.2

Mud Room

  • Level: Main
  • Area: 46.24
  • Dimensions: 6.8 x 6.8

Property

Details

  • Parcel number: 395011300400
  • Other equipment: Air to Air Exchange

Features

  • Patio & porch: Deck
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: Typical

Lot

  • Lot size: 0.49 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 103 x 211

Parking

  • Total spaces: 3
  • Parking features: Concrete,Attached,Drains,Heat,Insulation
  • 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

  • Lightning
    LightningRelatively High

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
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 $4,930$59,160
Home Insurance *$177$2,124
Property Taxes $1,136$13,632
Electricity $379$4,555
Total$6,622$79,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$227,040/yr
40% on housing$198,660/yr
45% on housing$176,586/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 55811$199
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55811
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-26Listed for sale$975,000
2026-07-22Contingent$975,000
2026-06-22Listed for sale$975,000
2014-08-06Sold$517,000
2014-07-06Listed for sale$535,000
2013-02-22Sold$514,000
2008-07-02Sold$94,000

For Sale by Agent

AgentLynn Nephew
BrokerageRE/MAX Results

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