4803 White Pine Rd, Garrison, MN, 56450
About This Home
Enjoy 100 feet of prime shoreline on beautiful Camp Lake in Garrison, Minnesota. This level to gently sloping lot offers breathtaking panoramic views of the expansive 533-acre lake—perfect for soaking in sunsets and lakeside living at its finest. This coozy home features three bedrooms and two full bathrooms, along with wheelchair accessibility for added comfort and convenience. Inside, you’ll find inviting living spaces including a dedicated office and a cozy family room that opens to a charming porch—ideal for relaxing and enjoying the lake breeze. The kitchen is equipped with updated appliances, making it both functional and stylish. Step outside to a stunning paver patio near the beach and dock area, creating the perfect setting for entertaining or unwinding by the water. Additional highlights include a second detached garage with extra storage or garden room, plus a lean-to for storing canoes, kayaks, and all your lake gear. This property offers the complete lake lifestyle—whether you're looking for a year-round home or the perfect getaway. Easy access to ATV trails across the lake, look up Pine Center Trails for more informaiton.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1976
Materials
- Foundation: Wood
- Construction materials: Other,Brick
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,Exhaust Fan,Water Filtration System,Water Osmosis System,Range,Refrigerator,Washer,Water Softener Owned
Basement
- Has basement: Yes
- Basement: Daylight,Drain Tiled,Finished,Owner Access,Storage Space,Sump Pump,Walk-Out Access
Bedroom
- Level: Main
- Area: 110
- Dimensions: 10'x11"
Bedroom2
- Level: Main
- Area: 114.5833
- Dimensions: 10'5"x11'
Bedroom3
- Level: Lower
- Area: 251.8542
- Dimensions: 19'3"x13'1"
Bedroom4
- Level: Lower
- Area: 163.4792
- Dimensions: 14'9"x11'1"
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Level: Main
- Area: 152.6389
- Dimensions: 13'1"x11'8"
Features
- Number of fireplaces: 1
- Fireplace features: Electric
- Fireplace: Yes
- Finished area below ground: 1,349
- Finished area above ground: 1,486
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,835
- Total interior livable area: 2,835 sqft
Kitchen
- Level: Main
- Area: 282.75
- Dimensions: 14'6"x19'6"
Laundry
- Level: Main
- Area: 43
- Dimensions: 7'2"x6'
Living Room
- Level: Main
- Area: 368.9167
- Dimensions: 19'x19'5"
Living Room
- Level: Lower
- Area: 332.9861
- Dimensions: 29'2"x11'5"
Office
- Level: Main
- Area: 155.625
- Dimensions: 13'10"x11'3"
Storage
- Level: Lower
- Area: 336.875
- Dimensions: 19'3"x17'6"
Property
Accessibility
- Accessibility features: Accessible Approach with Ramp
Details
- Parcel number: 88100581
- Zoning description: Residential-Single Family
- Foundation area: 1349
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Porch
- Fencing: Wood
- Has view: Yes
- View description: Bay,Lake,Panoramic,West
- Has water view: Yes
- Water view: Bay,Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(10-15),Lake Bottom(Gravel,Sand,Soft)
- Frontage length: Water Frontage: 100
Lot
- Lot size: 1.58 Acres
- Features: Accessible Shoreline
- Lot size dimensions: 99.98 x 609.06 x 99.98 x 734.88
Parking
- Total spaces: 4
- Parking features: Attached,Detached Garage,Asphalt,Multiple Garages,Storage
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
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
- Cold Wave
- Inland Flooding
- Strong Wind
- Hail
- Lightning
- Tornado
- Wildfire
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Crow Wing 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 | $2,912 | $34,944 |
| Home Insurance * | $397 | $4,764 |
| Property Taxes | $209 | $2,508 |
| Electricity | $239 | $2,869 |
| Total | $3,757 | $45,084 |
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 |
|---|---|---|
| 2026-04-14 | Listed for sale | $599,000 |
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