120 Spruce Street Mahtomedi, MN $ 1,795,000
120 Spruce Street
$ 1,795,000
Recently Listed New Construction
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120 Spruce Street

Mahtomedi, MN, 55115
$ 1,795,000
Bedrooms5 Baths3.1 Sq 4,946

Monthly Estimate*

$ 12,398

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Single Family Home for sale in Mahtomedi, MN

for $1,795,000 with 5 bedrooms and 3 full baths, 1 half bath. This 4,946 square foot home was built in 2026 on a lot size of 0.277.

Welcome to Twin Peaks, a new creation from Zen Design Build in the highly ranked Mahtomedi School District, with DEEDED DOCK ACCESS to White Bear Lake just steps from your door. Built on a large 90-foot-wide lot with a back alley, this modern custom home has nearly 5,000 finished square feet and a design that stands out among the typical new builds of today. Numerous windows and enormous glass doors flood the home with light. The masterfully planned layout brings together luxury design, modern amenities, and functional excellence. The home is still under construction, so a buyer can personalize options, materials, and finishes if they act now. The main level sets the stage: hardwood floors, 9-foot ceilings, exposed steel beams, and an open great room that flows through 16-foot and 12-foot sliding doors to a massive deck overlooking the substantial yard. Entertain indoors and out with ease. The great room works as a cohesive whole. The chef's kitchen is built for gathering, with a huge island, a 48-inch refrigerator, and a butler's pantry for bonus counter and storage space. The dining area has space for a 10-12 foot table beside built-in buffet cabinets, and the family room has ample space to stretch out. A separate formal living room offers a fireplace, a bar, and a 12-foot double-sliding door to a small front deck. A sizable office with a closet, a luxurious powder room, and a generous mudroom connected to an oversized attached two-car garage with in-floor heat round out the main floor. Climb the open timber-frame stairs in the double-height entry to the second floor, where vaulted ceilings make every room feel extraordinary. The 660 sq ft primary suite is a private retreat with treetop views, a huge walk-in closet, and a spa-like bath with a wet room and a separate water closet. Three more generous bedrooms, a full bath, and a laundry room complete the upper level. The timber-frame stairs continue to the fully finished lower level, which has in-floor heat on its own thermostat. Here you'll find another large living space, a fifth bedroom with a three-quarter bath, and a bonus space for a home theater, gym, or wine room. Large windows and window wells in the family room and bedroom bring daylight into this level. An additional detached two-car garage is approved and available as an option at an additional cost. This home's value goes well beyond its appearance and finishes. Upgraded design and construction features are a hidden aspect of true luxury in a high-end home. The structural and system upgrades at 120 Spruce Street include: Kolbe Ultra windows and exterior doors with aluminum cladding and real wood interiors. Three layers of foundation waterproofing, plus interior and exterior drain tile. Floor trusses with L600 stiffness (vs. the industry standard of L240 or L360) and 1-1/8-inch AdvanTech subfloors with a squeak-free guarantee to ensure a quiet home with a sturdy feel. Three climate zones, a tankless hot-water heater, basement in-floor heat, and high-efficiency forced-air heating and A/C maximize comfort throughout the home and optimize your energy consumption. A standing-seam steel roof that provides superior durability and a lifespan well beyond that of asphalt shingles. Recessed LED lighting throughout the house, with smart dimmers in key areas. Superior insulation design throughout the home ensures that the structure will be comfortable and extra energy-efficient year-round: Huber Zip-R9 continuous exterior insulation and interior spray foam elevates the R-value of the walls to R-37+ (code R-20), foundation walls insulated with interior and exterior foam board to an R-value of R-31 (code R-15), basement slab insulated with two layers of 2-inch foam to an R-value of R-20 (code R-10). Spray foam insulation throughout the house and garage to ensure an airtight, highly insulated structure. DON’T MISS THIS RARE OPPORTUNITY to define your custom home with deeded access to White Bear Lake.

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Single Family Active

Price

$ 1,795,000

Bedrooms

5

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 3,433

Style

Single Family

Lot Size

0.277

Year Built

2026

Town/City

Mahtomedi

County/Region

Washington

MLS | Web ID

7157270

Features
General
Living Area 4946
Sewer City Sewer/Connected
Heating Forced Air Humidity Control In-Floor Heating
Cooling Central Air Zoned
Roof Age 8 Years or Less Metal Rubber
Appliances Air-To-Air Exchanger Dishwasher Disposal Exhaust Fan Humidifier Gas Water Heater Microwave Range Refrigerator Tankless Water Heater
HOA Fee 200
Garage Spaces 2
Association Fee Includes Dock
Construction Materials Concrete Frame
Year Built 2026
Electric 200+ Amp Service
Levels Two
Property Subtype Single Family
Tax Year 2026
Waterfront Features Association Access Deeded Access
Accessibility None
Assoc Fee Paid Per Annually
County Washington
New Construction Y
Property Type Residential
HOA Y
Contingency None
Subdivision Name Mahtomedi Heights
Full Baths 2
Directions North on Mahtomedi Ave to Spruce St right (East) on Spruce St to home.
City Mahtomedi
Association Name Spruce Street Dock Association
High School District Mahtomedi
Zoning Description Residential-Single Family
Lot Size Units Acres
Property Attached Y/N N
Land Lease Y/N N
Tax Annual Amount 3433
Additional Parcels Y/N N
Standard Status Active
Lender Owned No
Amenities Unit Deck Dock Exercise Room Hardwood Floors Primary Bedroom Walk-In Closet Skylight Vaulted Ceiling(s) Washer/Dryer Hookup
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Interior
Basement Drain Tiled Drainage System Egress Window(s) Finished Full In-Floor Heat Storage Space Sump Basket Sump Pump Tile Shower
Total Fireplaces 1
Fireplace Features Gas Insert
Basement (Y/N) Y
Fireplace Y/N Y
Above Grade Finished Area 3396
Half Baths 1
1/4 Baths 0
3/4 Baths 1
Laundry Features Electric Dryer Hookup Laundry Room Upper Level Washer Hookup
Total Bedrooms 5
Below Grade Finished Area 1550
Total Baths 4
Bath Desc 3/4 Basement Double Sink Full Primary Private Primary Main Floor 1/2 Bath Upper Level Full Bath
Dining Room Description Breakfast Bar Kitchen/Dining Room
Foundation Dimensions 48x49
Fuel Natural Gas
Garage Dimensions 23.4x26.6
Garage Door Width 8
Garage Square Feet 618
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Exterior
Parking Features Attached Garage Concrete Electric Vehicle Charging Station(s) Floor Drain Finished Garage Heated Garage Insulated Garage
Water Source City Water/Connected
Lot Size Area 0.277
Building Area Total 5246
Lot Dimensions 90x125x91x143
Waterfront Y/N N
Foundation Area 1850
Road Frontage Type City Street
Road Responsibility Public Maintained Road
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Internal Only
Street Number 1 120
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* Excluded Features
List By
White Bear Lake Realty

Broker

james@wblrealty.com

Email

Affordability Calculator

$12,684
Per Month
98%
2%
0%
Monthly Principal & Interest
$12,398
Monthly Property Taxes
$286
Monthly 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
708774 Elementary School
709285 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
10/8/2026$1,795,000 Listed Price

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120 Spruce Street, Mahtomedi, MN, 55115 is a Single Family Home for sale at $1,795,000 with 4,946 sqft and a lot size of 0.277. 120 Spruce Street has 5 bedrooms, 3.1 baths, and was built in 2026. The property's zip code is 55115 which is in Mahtomedi, MN