2309 4th Street White Bear Lake, MN ^$ 860,000

2309 4th Street

^$ 860,000

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2309 4th Street

White Bear Lake, MN, 55110

^$ 860,000

Bedrooms4 Baths3.0 Sq 2,822

Monthly Estimate*

^$ 5,940

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Single Family Home for sale in White Bear Lake, MN

for $860,000 with 4 bedrooms and 3 full baths. This 2,822 square foot home was built in 1886 on a lot size of 0.284.

Showings start 25 September, 2026. Pride of ownership shines throughout this well-loved White Bear Lake home, where the current owner has cared for the property for 40 years. Enjoy the convenience of a highly walkable location with White Bear Lake and the vibrant downtown area just a short distance away. Stroll to local shops, restaurants, parks, community events and lakeside recreation, while enjoying the character and charm of this established community. An excellent opportunity to own a home in a location that puts so much of White Bear Lake within easy reach. Roof is 2 years old. 11ft high main floor ceilings. 9 ft high upper level ceilings. Open, lgith, and naturally cool home

Single Family Pending

Price

^$ 860,000

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 10,506

Style

Single Family

Lot Size

0.284

Year Built

1886

Town/City

White Bear Lake

County/Region

Ramsey

MLS | Web ID

7115265

Features

General

Living Area 2822

Sewer City Sewer/Connected

Heating Boiler Radiator

Cooling None

Roof Age 8 Years or Less Asphalt

Appliances Dishwasher Disposal Dryer Gas Water Heater Microwave Range Refrigerator Stainless Steel Appliances Trash Compactor Washer

HOA Fee 0

Garage Spaces 4

Pool Features None

Construction Materials Block Frame

Year Built 1886

Electric Circuit Breakers 100 Amp Service

Levels Two

Property Subtype Single Family

Tax Year 2025

Waterfront Features Lake View

Accessibility None

County Ramsey

New Construction N

Property Type Residential

HOA N

Contingency None

Subdivision Name White Bear

Full Baths 3

Directions US 61 to 4th St. go east to home on the left.

City White Bear Lake

High School District White Bear Lake

Zoning Description Residential-Single Family

Lot Size Units Acres

Carport Spaces 0

Property Attached Y/N N

Land Lease Y/N N

Tax Annual Amount 10506

Additional Parcels Y/N N

Standard Status Pending

Lender Owned No

Amenities Unit Ceiling Fan(s) Deck Hardwood Floors Kitchen Window Primary Bedroom Walk-In Closet Natural Woodwork Other Paneled Doors Porch Panoramic View Walk-In Closet

Interior

Basement Full Unfinished

Total Fireplaces 1

Fireplace Features Circulating Living Room Wood Burning

Basement (Y/N) Y

Fireplace Y/N Y

Above Grade Finished Area 2822

Half Baths 0

1/4 Baths 0

3/4 Baths 0

Laundry Features Laundry Room Upper Level

Total Bedrooms 4

Below Grade Finished Area 0

Total Baths 3

Bath Desc Full Primary Private Primary Main Floor Full Bath Upper Level Full Bath

Dining Room Description Separate/Formal Dining Room

Fuel Natural Gas

Garage Dimensions 24x30

Garage Door Width 71

Garage Square Feet 720

Exterior

Fencing None

Parking Features Detached Garage Asphalt Garage Door Opener

Lot Features Corner Lot Tree Coverage - Light Tree Coverage - Medium

Water Source City Water/Connected

Lot Size Area 0.284

Building Area Total 4275

Lot Dimensions 75x165

Waterfront Y/N N

Foundation Area 1543

Road Frontage Type City Street Curbs Paved Streets Sidewalks Street Lights Storm Sewer

Road Responsibility Public Maintained Road

Internal Only

Street Number 1 2309

* Excluded Features

List By

Exp Realty

Broker

JoeDBenson@gmail.com

Affordability Calculator

$6,815

Per Month

Monthly Principal & Interest: $5,940
Monthly Property Taxes: $876
Monthly Home Insurance: --

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Interest Rate

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Yearly Home Insurance

Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in White Bear Lake, MN

Average List Price ^$492,009

Percent of Sale Price 43%

About White Bear Lake, MN

25,129 Population

2% Since 2002

^$67,270 Median Income

41.66 Median Age

28% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

708515 Elementary School

708826 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
9/17/2026	$860,000		Listed Price

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2309 4th Street, White Bear Lake, MN, 55110 is a Single Family Home for sale at $860,000 with 2,822 sqft and a lot size of 0.284. 2309 4th Street has 4 bedrooms, 3.0 baths, and was built in 1886. The property's zip code is 55110 which is in White Bear Lake, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Listing data provided courtesy of the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota, Inc.

The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data is updated as of 10/16/2026.

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2309 4th Street

Single Family Home for sale in White Bear Lake, MN

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