5118 Otter Lake Road - Photo 1
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5118 Otter Lake Road
5118 Otter Lake Road
5118 Otter Lake Road
5118 Otter Lake Road
5118 Otter Lake Road

5118 Otter Lake Road, White Bear Lake, MN 55110 - MLS# 7163092

MLS® #: 7163092|Days on Market: 1|Listed: Oct 20, 2026

$399,900

Bedrooms
3
Bathrooms
2
Square Feet
1,589
Acres
0.512
Year Built
1950
Property Type
Residential
Heating
Natural Gas, Forced Air
Cooling
Central Air
Garages
2
Days on Market
1
School District
624 - White Bear Lake

Rare opportunity! Nicely updated home on a huge lot with a non-conforming 4th bedroom. Located next to a 320-acre wildlife preserve with an entrance across the street, offering endless views of wildlife, water, and nature trails.

5118 Otter Lake Road, White Bear Lake, MN 55110

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Interior Information

BasementBlock, Partially Finished
CoolingCentral Air
HeatingForced Air
FuelNatural Gas
LaundryIn Basement, Lower Level
Interior AmenitiesLocal Area Network
Electric200+ Amp Service

Size & Levels

LevelsOne and One Half
Total Finished Sq Ft2,573 sq ft
Above Grade Finished1,533 sq ft
Below Grade Finished56 sq ft
Main Level Finished1,040 sq ft

Bathrooms

Full Baths1
3/4 Baths1
Bathroom Details3/4 Basement, Main Floor Full Bath

Rooms

Other Rooms

Family Room15' x 13'
Dining Room11' x 08'
Kitchen13' x 11'
Bedroom13' x 11'
Bedroom 213' x 09'
Bedroom 316' x 12'
Bathroom09' x 07'
Bathroom08' x 06'
Porch12' x 08'
Flex Room13' x 11'

Exterior & Parking

ExteriorSteel Siding
ConstructionFrame
RoofAge 8 Years or Less
FoundationBlock
Garage Stalls2
ParkingDetached Garage

Lot & Utilities

Property SubtypeSingle Family
Lot Size0.512 acres
Lot Dimensions95 x 235
Lot DescriptionCorner Lot
ZoningResidential-Single Family
TownshipWhite Bear Twp
CountyRamsey
SewerCity Sewer/Connected
WaterCity Water/Connected
FencingChain Link
Other StructuresStorage Shed

Financial & Tax Information

Annual Taxes$4,218
Tax Year2026
Tax w/ Assessments$4,218
Assessment PendingYes
Parcel Number103022430088
Financing OptionsConventional, VA, FHA, Cash
Assumable MortgageNot Assumable
List TypeExclusive Right To Sell

Location

Call 612-356-2121For Showings and Questions

Neighborhood at a Glance

In this neighborhood, homes were most commonly built in 1990-1999, about 99% of occupied homes are owner-occupied, and the average commute is 24 minutes.

Cost of Ownership

Median home value

$441,100

Higher than the Twin Cities metro

The midpoint of estimated values for owner-occupied homes.

Median property taxes paid

$4,664/yr

Higher than the Twin Cities metro

The midpoint of annual property taxes paid by homeowners.

Typical monthly owner costs (with mortgage)

$2,382/mo

Higher than the Twin Cities metro

Median monthly housing costs for owners with a mortgage.

Typical monthly owner costs (no mortgage)

$800/mo

Similar to the Twin Cities metro

Median monthly housing costs for owners without a mortgage.

Homes in the Area

Owner-occupied homes

99%

Higher than Twin Cities metro overall

The share of occupied homes lived in by their owners.

Median year built

1985

Similar to the Twin Cities metro

The midpoint of years when homes in the area were built.

Home age by decade

The share of homes built during each period.

  • 2000-200911%
  • 1990-199922%
  • 1980-198918%
  • 1970-197913%
  • 1960-19697%
  • 1950-19596%
  • 1939 or earlier12%

Types of homes

The share of housing units in each building type.

  • Single-family detached96%
  • Townhome / attached4%

Getting Around

Average commute

24 min

Similar to the Twin Cities metro

The average one-way travel time to work for commuters.

How people get to work

The share of workers using each listed way to get to work.

  • Drive alone61%
  • Work from home27%

Homes with broadband

97%

Similar than Twin Cities metro overall

The share of households with a broadband internet subscription.

Estimates for the surrounding census tract, not this specific home.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Schools

White Bear Lake School District

This home is in the Birch Lake Elementary, Mariner Middle School and White Bear Lake Area High School attendance areas of White Bear Lake School District.

Elementary

Birch Lake Elementary

Grades PK-5 · 1 mi away

Enrollment
239
Students per teacher
10.9

1616 Birch Lake Ave, White Bear Lake, MN 55110

(651) 653-2776

Middle

Mariner Middle School

Grades 6-8 · 3.6 mi away

Enrollment
881
Students per teacher
17.6

3551 Mcknight Rd N, White Bear Lake, MN 55110

(651) 773-6200

High

White Bear Lake Area High School

Grades 9-12 · 1.1 mi away

Enrollment
2,572
Students per teacher
19.9

5045 Division Ave, White Bear Lake, MN 55110

(651) 444-6700

School assignments can change. Verify enrollment with White Bear Lake School District.

Sources: Minnesota Department of Education attendance areas (2025-26); NCES Common Core of Data 2024 via the Urban Institute Education Data Portal.

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Listed by: Weichert, Realtors-Advantage
Source: NorthstarMLS

Copyright 2026 Regional Multiple Listing Service of Minnesota, Inc. All rights reserved. Information Deemed Reliable But Not Guaranteed. The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Pederson Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (a little black house) and detailed information about them includes the name of the listing brokers.