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Heart of the Lakes property portfolio



Since 1974

fall 2011

good old-fa shioned fall fun Over the years we have had fun decorating some of our old trucks around the country side. The first fall we picked the truck on 80th Street (on

the North side of Lake Sylvia). We filled the back with several bales of hay and about 50 pumpkins. To our surprise, everything was stolen… (well, not very surprised). They took all but one pumpkin and placed it on the hood of the truck – good fun! The following year we decorated

the green truck on Nevens Ave. (near Clearwater Lake) and placed just one pumpkin back on the hood of the truck on 80th Street and giggled. That year an unknown person decorated the 80th Street truck for us…. pumpkins, gourds, corn husks and more. Thank you to our mystery decorator! Last year we filled the old truck on County Road 38 (just North of Southbrook) with pumpkins and hay bales and nothing happened…so we took them out to another old truck where they were all grabbed within days. This year we decided to have a Pumpkin Carving Contest. We will decorate the old truck in front of the Oak Realty office, and you are invited to pick (or steal!) a pumpkin off our truck. Bring your carved pumpkin back by Oct. 29th to enter the contest. Get creative! And good luck!

We have been very busy at the office and are thankful for the work load and a great year in sales. Please feel free to call, email or stop in for any of your real estate needs. - Steve (Brugge) Bruggeman, Owner

Table of Contents

[ cover photo ] Mink Lake in the fall

l akeshore

General Contact 4



lots & l and




com mer cial


l ake m ap s


p [

take a virtual tour watch a pr opert y tr ailer

Find us on Facebook!

annandale office 320.274.5737 m aple l ake office 320.963.2088 by em ail online

Visit our YouTube Channel

Your guides

to the heart of the l akes

steve bruggeman dean hoglund Broker, Realtor®, gri, crs (320) 274-6363

Associate Broker (320) 980-2445

gary dagner

hollie dagner

mike mcnellis

carla sundblad

justin wisner

amy mcnellis

t o m g ay

tiffini kiebel

Realtor®, gri, wcr (320) 493-1361

Realtor®, gri (612) 226-6649

Realtor®, gri (320) 309-1739

Realtor® (612) 963-4190

Realtor® (320) 309-1739

Realtor® (320) 492-1641

Interested in real estate as a profession?

angie wisner

Office/Marketing (320) 274-5737

amy miller

Marketing (320) 274-5737

Are you self-driven? A team player? Interested in real estate? If you are familiar with the Heart of the Lakes Area, and have or have thought about getting your real estate license, come talk to us. We are a fastpaced group of professionals who work independently but value how the team and company function as a whole. We are the area’s oldest brokerage, now in our 37th year. Call 320-274-6363.

Realtor®, gri, lmc, a-reo™ (320) 266-0198

Realtor® (763) 464-2048

lakeshore spectacular lakeshore lots

Pleasant Lake

Clearwater Lake

Lake Sylvia

$339,900 | #4029090

$399,900 | #4050798

$299,900 | #4007065

Bring your dream lake home to life on this

Gorgeous, level lot in one of Clearwater Scenic lot in the quiet Northridge Addition

ant Lake! This lot has a great location, just a

near “The Narrows!” Towering mature trees parcel with hillside views overlooking 232’

level, beautifully treed, 2.3-acre lot on Pleas-

few miles North of town, offering the ability to bike or walk to your errands. Enjoy sunrise and

sunset views, great recreation and fishing, over 300’ of lakeshore!

Lake’s most unique and desirable locations, on beautiful Lake Sylvia. A 1.2-acre, wooded

and 135’ of sand shoreline make this the ideal of shoreline in Madsen’s Bay. Serene, paved, location to build a cabin or year-round home. dead-end drive make this an ideal location to

Put a dock in and use for now, then build your build a new home. Northridge residents also home later.

share a private boat launch!

Pleasant Lake $319,000 | #4047527


Charming one-level, seasonal cabin on the water’s edge. Enjoy a living room with spectacular South-facing views of Pleasant Lake. Have plenty of room for preparing summer meals with a spacious kitchen. You will

also enjoy two bedrooms and a bathroom all on one level. This gorgeous

level lot is perfect for family, gardening and all your summer yard games. Established neighborhood of seasonal cabins and year round homes, and

walking distance to park and paved trails. Grab your lawn chair or fishing pole and enjoy 75’ of Pleasant Lake shoreline!

Moose Lake $199,900 | #4041480


Beautiful year-round home with pristine views! Filled with updates from

new paint to new living room windows. Open floor plan with a dining room that overlooks the lake. The kitchen is open and bright with gorgeous granite countertops. The lower boasts a spiral staircase, large family

room, and is a walkout. Nicely landscaped yard with a new paver sidewalk and boulder retaining wall. Enjoy 139 feet of shoreline, excellent fishing and recreation and the quiet beauty of Moose Lake.

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Lake Washington $319,000 | #4053355


Enjoy year round lake living on the serene bay of Nelson’s Beach on beautiful Lake Washington. Quiet, no wake bay encourages wildlife habitat and is a great fishing hole, catch ‘em right off your dock! The 12x22 screened in porch may just be your favorite room in the house, watch the sun set every night without the hassle of the bugs! One level living makes

this the perfect home, access able and convenient for all! Beautiful living

area faces the lake and boasts vaulted ceilings and large picture windows. Custom built, cherry wood cabinets grace the centrally located kitchen.

Lake Sylvia $349,900 | #3981434

Here’s your opportunity to own property on the highly desirable peninsula of stunning Lake Sylvia. Truly a find, this property measures almost 1/2 an acre of level, lush green yard and is perfectly shaded by majestic Oak

trees, a staircase leads you to 100 feet of crystal clear waters. Enjoy the

views and changes of the seasons in the year round diamond in the rough! The opportunities are endless, update the existing cabin or replace it with

the lake home you have been dreaming about! The extra large garage has room to store all the water toys and the cars!


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Lake Sylvia $429,900 | #3968848


This spectacular chalet-style home was built in 2001. Enjoy a lofted bed-

room with a walk in closet, full bathroom, a private deck with sliding

glass door and gorgeous views of Lake Sylvia. The main level boasts a spacious kitchen that opens to the living room with a gas fireplace, open staircase to upper level, full bathroom, second bedroom and stunning knotty pine throughout. Your favorite space of the house will definitely

be the screened-in porch with amazing views! Enjoy the sun all summer long with 58’ of hard bottom Lake Sylvia shoreline.

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Upcoming Local Events

Downtown Art Crawl Thursday Oct. 6

Halloween Spectacular at Pioneer Park Saturday Oct. 29 Chamber Community Trick-or Treat Monday Oct. 31, Annandale & Maple Lake

ACT Holiday Home Tour Saturday Nov. 19

Immigrant ’s Christmas at Pioneer Park Saturday Dec. 3

Canadian Pacific’s Holiday Train & Show Early December, watch for date/time

Lion’s Club Breakfast with Santa Sunday Dec. 18

Sugar Lake

$895,000 | #4061381


Gorgeous well-built home that will leave you breathless with the stylish upgrades and stunning built-ins throughout the home. Walk into a vaulted

foyer and enjoy a mud room, laundry room, utility room and door to garage off to the right. Main floor is open with the kitchen, 2-story family room, dining room and living room, all enjoying amazing views of the lake. The main floor master suite is spectacular with a sliding glass door to patio with electronically operated blinds, 2-sided glass fireplace that leads to the master bathroom with a soaking tub and large walk-in closet. The upper level has a loft that overlooks the foyer and family room, full bathroom, den, and second bedroom. You will fall in love with stunning boulder landscaping and lush green gardens. Enjoy a patio with a built-in fire pit overlooking 90 feet of natural shoreline. Are you ready for the lake home of your dreams?

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Clearwater Lake $145,900 | #4034801

Enjoy cabin life without all the upkeep allowing more time for boat-

ing, fishing, swimming and relaxing. This recently updated 2 bedroom, 1 bath condo is perfect for a summer or winter retreat and comes fully

furnished. Private deck and balcony are great outdoor spaces for relax-

ing with a good book or chatting with friends and family. Many shared amenities including heated outdoor pool, beach, docks, 17 acres of common grounds and a party room for those large get togethers. Rent the unit out when your not using it to help pay for your investment.


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New! Beautiful 18x24 lake prints for your home or cabin. Printed on an elegant, matte finish cardstock. Pick-up your free print at our Annandale Office the next time you’re in town.

lake sylvia shown, more lakes are available


Clearwater Lake $389,900 | #4062843 Original 1926 cabin with screen porch, 3-season porch, 2 bedrooms and 2 garages. 148’ of beach, wooded, deep lot. Great location and views!

Clearwater Lake $210,000 | #4062386 Charming cabin ready to move-in and enjoy. Level lot with West-facing views. Newly remodeled! Fireplace, wood floor, loft for kids, dock!

Lake Minnie Belle, Litchfield $375,000 | #4032834 Secluded 2.4-acre lot with 600+ feet of level, hard bottom shoreline. Private lagoon for use. Fantastic lake, a great spot to build your home!

Sugar Lake $145,000 Buildable lot with 102’ of lakeshore. Over half acre lot on a tar road. Two sheds and a 1990 trailer currently on the lot, holding tank & well.

Clearwater Lake Deeded Access $59,900 | #4030585 Level 1-acre lot with deeded access. Nice quiet neighborhood with paved street. Short walk to access with boat landing, nice shoreline.

Lake Sylvia $485,000 | #4077430 Charming cottage on a 1/2-acre lot with 136’ of hardbottom shoreline. Enjoy beautiful views from the deck of the 12x12 boathouse!

Pick a pumpkin... Carve it to win! Watch for the truck in front of our office to be loaded with pumpkins in mid-October. Pick one, and bring it back carved to enter our Pumpkin Carving Contest! Pumpkins should be returned to our office by Saturday, Oct. 29th. Prizes will be awarded in 4 age categories, including adults. Trick-orTreaters that visit us from 3-5 p.m. on Monday, October 31, will vote for the winners!


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Lake Sylvia $499,900 | #4006178


Beautiful home on one of the finest lakes in the area. Take in spectacular West-facing lake views from nearly every room. Enjoy 80 feet of hard

bottom shore and an 18x22 boat house deck. The level lot is covered by an emerald lawn and bordered with mature trees, and slopes gently to the

lake. Relax inside a fabulous 3-season porch. Other features include two

fireplaces, two spacious decks, and main level laundry. A well cared for 18’ Sun Patio 1999 Supreme pontoon is also included. This is a wonderful year-round home or getaway on the area’s most desired shoreline.

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Days Lake

$149,900 | #4067612 Gorgeous private retreat or development. Build your dream home or make your development dreams come to life. This 18-acre parcel is currently split into 5 lots, and the plat is already filed. Purchase it, put in a road and the opportunities are endless. Or, make it all your own and enjoy 1,100 feet of lakeshore on the South side of Days Lake which is 26 acres with a maximum depth of 24 feet. With a pond, the lake, and mature trees, this is a hunters dream, and ideal for anyone who is looking for seclusion and privacy in the country.

Cedar Lake

$599,900 | #3897952


Entertaining made easy! Enjoy a spacious kitchen and dining room with

stainless steel appliances, hickory cabinets, and granite counter tops. A mud/laundry room with tile floors and built-in lockers is great for com-

ing off the lake. Cedar ceilings, wood plank flooring and tons of windows facing the lake. Spacious lower level walkout includes a family room, 他 bath and dry bar. The master bedroom has vaulted ceilings and amazing

lake views. Wrap-around deck, boulder landscaping, fire pit, and granite steps with a stamped concrete sidewalk leading to the sandy shoreline.


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Lake John

$229,900 | #4018748


Get your summer getaway before summer arrives! This level lot with gor-

geous sunset views offers all you need for a relaxing getaway with family and friends. Walk out to a spacious lakeside patio or enjoy the views

from the deck. This well maintained lot has 65’ of great shoreline and the home offers 1,861 finished square feet with two wood burning fireplaces to warm chilly spring and fall nights. This two bedroom, two bath home

was built in 1977 and is located in a quiet, established neighborhood near Southbrook Golf Club and just a mile from town.

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Cedar Lake $319,900 | #4046110


Sugar Lake Access $204,900 | #4041823


Secluded, 2,300+ sq. ft. lake home on Cedar Lake with 93’ of shore-

All the lake fun without all the heavy lake taxes. Enjoy this country

a master bath, and three bathrooms all with beautiful tile or marble

square feet with four bedrooms, two full bathrooms, an oversized 3 stall

line! Enjoy a main floor bedroom and lofted master bedroom with floors. Relax with the breeze on a spacious 10x24 screened porch and

connected 12x10 deck both overlooking the lake. Mature, level yard offers plenty of room for your summer get-togethers, and a water’s edge storage shed to house lake toys.

home on a 1-acre lot near the shared access. The home is 1,891 finished

finished garage, gas fireplace, walkout lower level, new roof in 2008 and

a huge deck. You will also have a 1/24 deeded access to Sugar Acres, where docks and boats are welcome. There is also abundant room for picnics and entertaining along the water. The perfect setting!

Pleasant Lake $489,900

Stunning lake home with 100 feet of sandy shoreline on Pleasant Lake. Not a single feature was overlooked on the construction and landscaping

of this immaculate home sitting on nearly one acre. Natural stone and

woodwork throughout showcases a cozy and comfortable “Up North” feel without the drive. Abundant storage in the 30x40 pole building

and triple attached garage. With an expansive front deck, balcony, and

screened porch there is plenty of space for friends and family to view beautiful sunsets, soak up the warm sun, and enjoy the outdoors.


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Long Lake

$219,000 | #4042389 Enjoy views of glistening waters from three sides of your property! Lo-

cated on the end of a peninsula, this alluring log cabin is sure to please. Half-log siding exterior and cultured stone chimney offer that real “Up North” feel. This two bedroom, two bath, year round cabin has been com-

pletely renovated. Charming and comfortable, with a screened porch that

provides additional seasonal living space. Cozy living room with fireplace. Just a short drive from the town of Clearwater, which is right on I-94. Quick to come and go to the Metro or St. Cloud area.

Clearwater Lake $189,900 | #4043052

Lake Union


$189,900 | #4083128


Charming one-level, seasonal cabin on the water’s edge. Cabin comes

Gorgeous home on 120 feet of shoreline. Enjoy everything you need is on

out and includes a spacious living room, bedroom, bathroom and kitchen.

to lakeside deck from dining area and enjoy views of Lake Union. This

fully furnished and ready to enjoy. Cabin has lovely knotty pine throughScreened in porch has spectacular views and is perfect for those breezy

summer nights. Enjoy a storage shed for all your lake toys and tools. You will love 90’ of Clearwater Lake, perfect for boating, fishing or just relaxing in the warm sun!

one level. The kitchen opens to dining area and living room. Step on out home has an abundance of storage space and room to spread out. You will love a master suite with a private ¾ bath and a second bedroom, both with neutral colors and ceiling fans. Newer paint throughout and many upgrades. Mature, level lot offers a quiet and peaceful setting.

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Lake Augusta $129,900 | #4037463 Enjoy rustic simplicity at it’s finest with this seasonal cabin on the Clearwater Lake Chain. Association cares for the yard. Easy drive from metro.

Cokato Lake $159,900 | #3935556 Alluring building lot with gentle slope to 539-acre Cokato Lake. 150’ of lakeshore. 45 minutes to the Metro. Stocked with walleyes in 2008.

Crooked/Long Lake $199,900 | #4078695 Quaint, maintenance-free lake home conveniently located off I-94. Spacious, 3/4-acre wooded lot. Warm, comfy interior. A great retreat!

Lake Marie Deeded Access $39,900 | #3979982 Affordable weekend getaway on Lake Marie. Property includes 2 storage sheds, and an 8x28 RV with screened porch. A great summer spot!

Grass Lake $134,900 | #3877288 Great 3-season cabin with resort amenities incl. beach, docks, outdoor pool, 17-acres of common grounds. Updated interior & exterior.

Maple Lake $374,900 | #4031298 Lovely three bedroom home, filled with great natural light. Spacious lakeside deck overlooking 150’ of shoreline. Huge lot, two garages.


Free Area Lake Maps!

New Clearwater Lake maps complete our one-of-a-kind series, created by hand by Steve over many years. Pick up a free wall-sized print in our office. Others still in stock include: Pleasant Lake/Lake John, French Lake, Cedar Lake, Granite/Camp Lakes, and Sugar/Indian Lakes.


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Lake Sylvia



Tucked in the trees of Lake Sylvia’s renown Peninsula drive lies this spectacular stone and 1/2-log sided home. Built in 2004, and thoughtfully designed

to embrace a wooded, 1.7-acre lot and its views of a quiet, pristine bay on Lake Sylvia’s East lake, the 6,500 sq. ft. home is just one part of this property to enjoy. A spacious Tigerwood lakeside deck, paver patio and 400 sq. ft. boathouse/deck that overlooks 154’ of shoreline invite you to entertain family

and friends. A fully-finished outbuilding with bonus rooms offers additional space beyond the 6 bedrooms and 5 1/2 bathrooms in the main house. Interior highlights include walnut flooring, granite countertops, and a vaulted great room with stunning fireplace and full log trusses. More features include highly efficient heating/cooling, Epoxy floors in the boathouse and garages, superior sound systems, private boat launch and so much more.

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Crooked Lake

$349,900 | #4001701

Built in 1998, this beautiful four bedroom lake home is set on a mature lot with 100’ of lakeshore. With over 3,000 finished square feet, the

home has room for the whole family. It has tons of fantastic features including vaulted ceilings, two gas fireplaces, hardwood floors, six panel doors and 3 car garage. The fabulous 3-season porch is perfect for entertaining. Master bedroom has huge walk in closet and walk through bath

with separate tub and shower. Open lower level family room has lots of light and walks out to lake side patio. Convenient main level laundry, maintenance free siding and in ground sprinkler system making living easy. Spacious yard with mature trees, lilac bushes, raspberry patch and room for a bonfire pit. Stairs lead to environmental friendly Crooked Lake where fishing, fun, and relaxing times await!


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Be Charmed by Lake Sylvia

6 6 3 3 c o un t y r oa d 3 n w, a n n a n da l e Experience lakeshore living from this charming cabin, located on the most spectacular shoreline in the Heart of the Lakes. You will relax in a large screened in porch overlooking the level, natural shoreline and crystal clear waters. This summer getaway has plenty of room for the whole family to gather and spend time with each other. Settle in comfortably with three bedrooms, a spacious living room with stone fireplace and full kitchen. Gather your fishing poles and water toys and take in the sun on 100 feet of pristine sand shoreline. Pets are always welcome here. Available for rent from Memorial Weekend thru Labor Day Weekend. Could you use a quiet escape?

2012 Availability! Contact us for more information about this home and other luxury vacation rentals in the Heart of the Lakes.



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Lake Pokegama, Grand Rapids, Minn.

$3,400,000 | #4066065


Escape to Minnesota’s renown “North Woods.” This majestic 13.5-acre retreat, with 921’ of beautiful shoreline on Lake Pokegama, has only

changed hands once since 1895. Spread throughout its secluded woods are 4 simple cabins, each with two bedrooms and their own bath, a half-log sided home built in 1938, a pole building built in 2009, and new a-frame style cabin tucked in the pines that was completed in 2011. Its beauty and

privacy does not come at the expense of conveniences. Grand Rapids (Pop. 10,869) offers countless amenities and services, just a few miles away. A regional airport, shops, and new medical facilities are all close by, not to mention a championship 18-hole course is across the road. Enjoy this

remarkable setting with as few or many as you’d like for decades to come. A comfortable and easy drive on Highway 169 from Minneapolis directly to Grand Rapids takes approximately 3 hours. Itasca Regional Airport, just a few miles from the property, can accommodate any air travel.


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What’s your favorite Heart of the Lakes story?

We’re asking kids to adults, those who have lived here their whole lives and those new to town, to share their favorite story from life in the Annandale Area. Reminisce with friends and family about the good times you’ve spent in the Heart of the Lakes. Think, “Remember when...?” or “I’ll never forget the time...” You’re already smiling as you think of a story, aren’t you? Photographs are encouraged but not required. How we will compile the stories of our community will be revealed in the coming year. Thank you in advance for sharing your story!

Online at In person Annandale Office, next to Subway By mail Oak Realty PO Box 298, Annandale, MN 55302

residential come home to brand new

Maple Lake


Maple Lake

$149,900 | #4001092

$74,900 | #3951733

$149,900 | #4051008

Own a brand new home, in a well kept and

Twin home full of style! Shell only, ready to Beautiful new two bedroom, one bath home to

add your own touches by choosing the flooring,

for 2 bed 2 bath home with open floor plan, back, less than a mile from Highway 55. Lo-

established neighborhood! Ready for you to

paint colors, and appliances! Located within

city limits and close to amenities. Commuters will appreciate the easy access to I-94.

finish to your liking. 1,400 sq. ft. , planned be built on a nice lot with a tree line in the

main floor laundry, vaulted ceilings, huge mas- cated close to area lakes and parks. Includes ter bedroom with large walk-in closet and 3/4 kitchen appliances. Builder can have the home bath. Attached double garage.

done in 60 days.

Annandale $71,900 | #4040767 Perfect starter home! Newer shingles, siding, windows. Large, fenced backyard. Basement partially finished. add your own touches! Fireplace.

French Lake Township $244,900 | #4083959 Hunter’s dream with 40 acres and Crow River frontage. Three bedroom home, outbuildings. Newer roof, siding, carpet and furnace!

Maple Lake $149,900 | #4047646 Well kept and cared for, this home shows a lot of TLC! Finished walkout basement, patio, 10x12 deck, in-ground sprinklers, ready to move-in!

Kimball $398,000 | #4084451 Enjoy the quiet, country life with 40 acres of woods and wildlife. Great location in Kimball city limits. Three bedroom walkout home.

Annandale $36,900 Meticulously cared for, spacious doublewide on a landscaped lot. 3 bedrooms, master bath with garden tub, kitchen island, seamless gutters.

Kimball $159,900 | #4050991 New home to be built in Kimball’s newest development. Get to know this “Green” concept neighborhood. Oversized lots. Move-in in 60 days!

Interested in pursuing real estate as a profession?

Are you self-driven? A team player? Interested in real estate? If you are familiar with the Heart of the Lakes Area, and have or have thought about getting your real estate license, come talk to us. We are a fast-paced group of professionals who work independently but value how the team and company function as a whole. We are the area’s oldest brokerage, now in our 37th year. Call 320-274-6363.

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Annandale $264,900 | #4078443

South Haven


$249,900 | #4072136

Motivated sellers, need to sell now due to job relocation. Breathtak-

Impressive three bedroom, three bath country home situated on 3.46

from town. Enjoy a great open floor plan with three bedrooms and

2-panel doors, whirlpool tub, tray ceiling and upgraded appliances.

ing quiet country home built in 1996 on dead end street just minutes three bathrooms. Two large patios, a deck and workshop just off the

two stall detached garage. Lot size is over half an acre. This beautiful home is ready to be enjoyed.

Sauk Rapids

acres. Home offers beautiful hickory cabinets in the kitchen, tiled floors, Large deck in the back of the home overlooking an expansive lawn. A 4-car heated attached garage is a perfect match to this home. Easy drive to St. Cloud or the Twin Cities. Home was built in 2003.

$249,900 | #4074953

Come home to country living at its finest. Nice open flow to your entertaining areas and cement board and stone, security system, Newer one level home on 9+ acres centrally

located to the St Cloud area. Home and acre-

complimented by corner gas fireplace. In floor sprinkler system, and stainless steel appliances and forced air heat for a dual heat source to

are just of the extras home has to offer. The

age are well maintained and manicured. The help keep those utility costs down. The mas- front covered porch is a great space to enjoy

oversized 2-car insulated and heated garage ter suite has a spacious walk-in closet and full your country living. 9+ acres of level ground offers extra space for your shop. Utility room bath with walk-in tiled shower area. There are and plenty of space to add a shed. Move-in located in the garage also doubles as a safe two other bedrooms great for kids or grand- ready, it shows like a brand new home. room for those Minnesota storms if need be. kids or an office. Maintenance free exterior,


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$214,900 | #4086736


One level country charmer situated on 4.8 the green movement in mind, starting with holiday gathering spot. The wall of windows acres of woods, pond and gently rolling ter- situating the home into the slope of the land highlights the kitchen and dining area and

rain. Acreage offers wonderful open space for energy efficiency and extending to re- makes you feels like you are having a picnic for all of your favorite outdoor activities. claimed wood and recycled materials that are on the inside of your home. This country Mature trees and pond attract natures vis- used throughout the interior. The home of- charmer offers nearly 2,500 finished square tors. Wildlife comes to you so sit back and fers flowing, open room sizes. A great home

feet of character, and matched with the in-

storage or shop area. Home was built with ily and friends year round. You will be the

home throughout.

enjoy. Several sheds are available for extra

for holiday festivities and entertaining fam- terior decor, it has that warm cozy feeling of


$169,900 | #4069783 This gorgeous home will be ideal for a family that enjoys living in a

neighborhood with kids to play with right next door! Southbrook is

a great community to raise a family. Enjoy open concept living with a unique and spacious floor plan. Stunning lower level is finished with ½

log siding and will be perfect for entertaining. Great convenience with a quick drive to town and school, perfect for those families with after

school activities. Enjoy a beautiful spacious yard with mature landscaping and a huge deck to take in all the views.

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Annandale $134,900 | #4061975 Sharp, fully-finished tri-level home with backyard views of a pond and wildlife. Newly-finished lower level recreation room and full bath.


Annandale $129,900 | #4065202 Well maintained home with new roof, siding and windows. Deck overlooking a large backyard. Short walk to city beach/park. LL finished!

Clear Lake $159,900 | #4043554 5 acres of scenic country living. One level home with newer granite countertops, flooring and fixtures. 30x50 pole shed, great for storage!

Annandale $184,900 | #4067306 Well maintained 4 bedroom home with new updates inside and out. Heated detached garage. Many mature trees, on nearly an acre.

Clearwater $163,900 | #4051909 Quality New Construction! Oversized triple garage. Huge city lot and spacious open floor plan. Contract for Deed financing available!

Kimball $199,900 | #4026567 Lovely country home on almost 2 acres. Spacious kitchen, walkout to huge backyard deck from dining room. Mature lot, mostly wooded.


Join us on Facebook We appreciate all of our Facebook fans. If you aren’t already a fan, look us up! This is a great, casual way to stay in touch with us by following our involvement in the community, fun things we’re up to, and news that is new and important in our field. Many of our agents have Facebook pages too, if you want to connect with them personally!


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Clearwater $119,900 | #4041490 Spacious 4-level in a great neighborhood. Large master, game day family room, approx. 2,000 finished sq. ft. One block from park. Ideal!

Maple Lake $334,900 | #4056829 Beautiful home on 1.5 acres. Many upgrades and well-kept. Large deck, great porch, master suite private deck! 30x46 pole shed.

Considering selling? Give us a call for a free market analysis.

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Annandale $349,900 | #4087991

Maple Lake


$154,900 | #4073227

Stunning home set on 37+ acres of mature country side just South of

This move in ready tri-level split has an open kitchen and dinning area.

pliances, wood flooring, granite countertops in kitchen and bathrooms,

entertaining, welcoming front porch, storage garage in back yard, and

Annandale. Home boasts 2,842 finished sq. ft., with stainless steel apa private master suite, vaulted living room with gas fireplace, in-ground

swimming pool with huge patio, play house, and a pole shed with office, just to list a few! Truly a home the entire family will enjoy.


Other features include: private master bath, spacious deck perfect for immaculate lawn with beautiful flowering trees. With 3 bedrooms and 2 baths there is plenty of room for the whole family. The lower level bedroom could also easily be converted into an additional bedroom.

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Annandale $169,900 | #4049675 1.45-acres with a 3 bedroom country rambler that has a huge 3+-stall insulated garage with in-floor heat! 4-season porch, deck, finished LL.


Annandale $34,500 Neat, clean and ready to move-in! 16x80 modular home with spacious deck, 3 bedrooms, appliances. Storage shed. Close to schools, parks.

Maple Lake $249,900 | #4048942 Original classic charm with energy efficient updates. Beautiful builtins, roof and siding 3 years old. Four bedrooms, on almost 3 acres.

Annandale $279,900 | #4014424 Enchanting 2,004 sq. ft. rambler offers 3 bedrooms, 2 bathrooms, lower level ready to be finished. 4-season porch, and nice 46x30 pole shed.

South Haven $111,447 | #4035025 Great country rambler located on a nice wooded lot close to Clearwater Lake. Great yard for kids, nice deck in back. Needs some updating!

Maple Lake $119,900 | #4004793 Well maintained duplex with two spacious apartments. Live in one and rent the other, or rent both. Located in the heart of Maple Lake.

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$119,900 | #4086387

This quaint and charming country home sits

furnace, central air, also updated tile and

or nature lover, deer and pheasants inhabit

on a beautiful 5 acre parcel approximately 5 laminate flooring and an updated septic in this property frequently. Live in the current

miles South of Watkins. This home boasts 2006. With multiple outbuildings on the home now and build your dream home on a large foyer and the convenience of nearly

property, this would be a perfect opportunity

with three bedrooms and one spacious full

joy the privacy. Located just South of Clear sunsets in this peaceful and quite country

1,200 finished square feet of one level living

this tranquil setting. Make the move today

for a hobby farm or to just spread out and en- and start enjoying wonderful sunrises and

bath. Many updates have been made to the and Mud Lake, try your luck at some ice setting. home including newer windows, shingles, fishing this Winter! For the sports enthusiast


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$1,095,000 | #3941878


Come home in present day to the elegance of the past in this beautiful Queen Ann style Victorian home built in 1993. Filled with modern amenities and turn of the century architectural antiques, it is flawless and comfortable at the same time. From a spectacular main floor featuring a parlor and owner’s suite, to a spacious lower level ready to entertain, luxury and relaxation await you in every room. The home boats 9,966 finished sq. ft. with

five bedrooms and five baths with attention to detail that cannot be overlooked. The Hardie Board exterior and palette of multiple colors used in or-

namental accents, were chosen carefully and with reason. This spectacular property offers a peaceful country setting with city conveniences nearby. An expansive lawn, mature trees, lush landscaping, pond and original 1917 barn only begin to describe what the 8 acres surrounding the home offer.

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Cedar South Final phase of development 1 block from the park Oversized city lots starting at $19,900 Use our builder or your own Easy access to St. Cloud or Metro Financing available

Gary Dagner Realtor速, GRI 34

of Clearwater

(320) 309-1739

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LAND ready to build country lots

3 Acres, Silver Creek

25+ Acres, Clearwater

9+ Acres, Clearwater

$59,900 | #4039249

$134,900 | #4043252

$79,900 | #4016348

Privacy is yours with a beautiful and mature,

Prime acreage, ready for investors, developers, Rolling acreage with spectacular countryside

your dream home! The lot overlooks a nice

state 94 in Clearwater. Approximately 8 acres of newer, prestigious homes. An ideal location

3-acre country lot. A perfect location to build

pond, with wonderful views. Located on a

quiet, dirt road. Bring your own builder, or use one of ours!

or builders. Located just one mile from Inter- views, sunsets and wildlife. Located in an area

of this rolling parcel is wooded, and it can be for commuters with easy access to I-94 just split. Come take a look at this opportunity to a few miles away. Numerous choice spots to own 25+ acres!

build your dream home.

Silver Creek Heights

Silver Creek Heights From $69,900

Annandale $54,900 | #4005322

Hunter Lake Bluff From $19,900

Upscale development offering private lots open

1.87-acre lot on the SW edge of Annandale.

7 scenic residential lots ready for your new

districts. Call for full list of lots/acreage/prices.

conveniences of town just blocks away!

Lake. Each approximately a 1/3 acre in size.

to any builder. Near I-94, choice of three school

Build with privacy and elbow room, with the

home, located just off Highway 10 in Clear

10 Acres, Annandale $89,900 | #4043119

South Haven $299,900 | #3903363

Clearwater $83,500 | #4085620

Buildable, 10-acre parcel. Great open land to

93 acre parcel of rolling farmland. Borders the

Heavily wooded 5-acre parcel near Sugar

outbuildings. 2 miles from town, country feel!

bilities). Pond on the NW corner.

tract for Deed financing available.

build a dream house, with room for shed or

City Limits of South Haven. (2 building eligi-

Lake and. Driveway in. Great hunting! Con-

Annandale $35,000 | #4038618

South Haven $47,900 | #3984907

Kimball $200,000 | #4043754

Private country lot! 1.5 acres, with mature

Lot with great views of the Clearwater River

Development land, commercial, residential,

to build your new home. On a quiet road.

Clearwater Lakes.

Frontage on Highway 55 and Elm.

trees, a great location for the nature enthusiast

and water hook-up included. Access to Grass/

Kimball $399,900 | #4067353

Silver Creek $59,900 | #4039249

26 Twinhome lots in the new Heritage Park of

Rolling 3-acre parcel near Silver Creek, nicely

and gutter are in. Views of Powder Ridge!

ful setting to build your new home!

Kimball development. Utilities, blacktop, curb

wooded with a pond on the property. A beauti-

Cokato From $29,900

Meadows of South Haven From $54,900

Three nice lots in the City of Cokato, ready for

7 lots available, ranging from 3 to 3.9 acres.

your new home! Beautiful trees mark the corner of Swanson and 3rd St. Your builder or ours.

Excellent Contract for Deed terms, low down payment and 0 interest for 36 months.

South Haven $39,900 | #3979982

Southbrook Golf Course $49,900 | #4058901

Lot with views of Lake Marie. Includes 2 stor-

Beautiful building site on the 4th t-box and

screened porch. Affordable weekend getaway!

on a quiet cul-de-sac. Build your dream home!

age sheds, 8x28 Dutchman RV with 12x24


farm. All in city limits. City water on property.

fairway at Southbrook Golf Course. Large lot

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Clearwater $76,900 | #4051116

Annandale $27,900 | #3897812

39+/- Acres, South Haven $148,900 | #3670930

Fantastic 10-acre property with 1 building

Beautifully wooded, 1.73-acre lot in an estab-

Just South of South Haven on County Road

nearby. Rolling hills, woods, wildlife!

comfort of homes nearby. Not far to town!

able. Corner parcel.

entitlement. Peaceful area, with access to I-94

lished neighborhood. Enjoy privacy with the

2. Gravel buyers take a look! More land avail-

South Haven $59,900 | #3984910

50 Acres, South Haven $189,900 | #3889611

Hunter’s Cove, Annandale Lots from $18,900

Level lot with approximately 75’ of Clearwa-

Tillable land just north of Lake Sylvia. Beauti-

A quiet cul-de-sac with views of Pleasant Lake,

Lakes. Access to shared park. Great views!

Edge of South Haven, more land available.

to town, schools, park. Your builder or ours!

ter River frontage. Access to Grass/Clearwater

ful parcel, good open farm land is hard to find!

now open to any builder. City sewer/water, walk

Heritage Park of Kimball $24,900-$34,900

Hunter’s Path, Annandale $59,900 | #4017357

Maple Lake $59,900 | #4039249

28 oversized, single family lots available in this

Build at the end of a quiet cul-de-sac in Hunt-

Beautiful 3-acre country lot. Mature parcel per-

Ridge. Quick commute to St. Cloud!

1-acre. Neighborhood of quality-built homes.

looks a pond, located on a quiet road.

new “green” neighborhood! Views of Powder

er’s Path. Great in-town location. Wooded,

fect to build your dream home on. Lot over-

Hunter’s Cove Limestone Trails From $49,900

Sauk Rapids $360,000 | #4056537

Views of Lake Sullivan $49,900 | #3995348

Four lots available at Limestone Trails. Large

Private hunting preserve. 80 gorgeous acres of

Privacy is yours with beautiful views. Heavily

outlot and lake access. Ideal for nature lovers.

beautiful building sites. Will sell as 40’s also.

et, dead-end road. Calling the nature enthusiast!

acreage lots with mature trees, trails, 25+ acre

woods and water. Keep it to yourself or split into

93 Acres, South Haven $299,900 | #3903363

9+ Acres, Clearwater $79,900 | #4016348

Rolling farmland bordering the city limits of

Rolling acreage with amazing countryside views,

age on Hwy 55. Pond in the NW corner.

homes. Ideal location, quick access to I-94.

South Haven. Two building eligibilities. Front-

sunsets and wildlife. Area of newer, prestigious

Annandale $89,900 | #4024401

South Haven $39,900 | #3995479

Picturesque setting for your future dream

Gorgeous wooded, 1.6-acre lot. Quiet and

Rd 3. Close to Lake Sylvia and Lake John.

home. Close to Fairhaven.

home. 3.75-acre lot, 2 mi. S of Hwy 55 on Cty

wooded 1/2-acre lot, ready for a new home. Qui-

secluded location to build your new country

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A quiet development

of large country lots, located

between the City of Annandale and Cedar Lake. An ideal location for families or retirees, just a few miles from Annandale Schools and neighboring the scenic Whispering Pines Golf Course. Convenient access to Highway 55.

l o t 1 2 3 4 5 6 1 2 3 4 5 6






1 1 1 1 1 1 2 2 2 2 2 2

257x464x213x459 231x459x259x439 201x439x424x471 202x471x377x540 200x540x515x281 146x281x398x345 280x357x330x363 315x368x281x363 152x363x263x368 224x381x376x300 291x409x251x381 407x246x409x269

2.5 2.53 3.1 3.35 2.79 2.5 2.52 2.5 2.55 2.5 2.5 2.5

Ful l y Ful l y Ful l y Ful l y Ful l y Ful l y Ful l y None None Ful l y Ful l y Par tial l y

$109,900 $115,900 $119,900 $124,900 $127,900 $122,900 $99,900 $75,000 $65,000 $118,900 $118,900 $94,900

Excellent Contract for Deed f inancing terms available. Call today for more information.

bank-owned a division of our business is dedicated to this market. have questions about short sales? bank-owned? we have answers. Properties listed are active as of this portfolio’s publishing date. Those in gray are pending.

11600 57th Street NE, Albertville



5138 134th Street NW, Silver Creek Twp $214,900


7932 Trappers Ridge Drive, Buffalo



74217 323rd Street, South Haven


1804 Golfview Drive, Buffalo

7900 Trappers Ridge Drive, Buffalo 7848 Trappers Ridge Drive, Buffalo 7830 Trappers Ridge Drive, Buffalo 7754 Trappers Ridge Drive, Buffalo 7730 Trappers Ridge Drive, Buffalo

8118 Hunter Lake Drive, Clear Lake 580 Bell Street, Eden Valley

913 5th Avenue, Howard Lake

8375 85th Street SW, Howard Lake

$140,000 $19,900 $19,900 $19,900 $19,900 $19,900 $24,900 $99,900 $39,050


#4053667 #4085530 #4085531 #4085533 #4085537 #4085541 #4085525 #4074111 #4074981 #4069565

72698 318th, South Haven


10137 Karston Avenue NE, Albertville


205 Bluff Street, Clearwater 317 3rd Street N, Delano

9644 Park Place Drive, Monticello

12772 43rd Street NW, St. Michael

$56,900 $75,600 $89,900

$177,100 $84,900

#4083308 #4067096 #3964853 #4077305 #4076494 #4059579

commercial new business? we have your location.

Main Street

Main Street

Highway 55

$59,000 | #4001242

$104,000 | #4077932

$699,900 | #3978485

Charming red brick storefront in a prime lo-

Take a look at this commercial opportunity in 260’ frontage on busy Highway 55, a huge park-

foot traffic makes this a great location for of-

building on a corner lot in downtown Annan- True log, canopy entry into a large vestibule of-

cation in downtown Annandale. Abundant fice, retail or service! 768 sq. ft., open, with an updated interior. Bring your ideas Annandale’s charming , canopied downtown, the options are endless!

the heart of Annandale. Stately brick/wood ing area, and a beautifully remodeled building! dale, across from the Post Office and City Hall fers the possibility of two entry ways. Finished Square. Two upper level apartments. Conve- with half log siding and cultured stone, the

nient on and off-street parking for customers, 9,000 sq. ft. building includes newer roof, inteemployees and tenants.

rior cement floor, and plumbing.

Whispering Pines Golf Course

$850,000 | #4059118

A local favorite for more than 25 years, “Whispering Pines� is an established 18-hole course with scenic rolling fairways and treasured ma-

ture trees. Designed by Joel Goldstrand, an accomplished designer with over 80 Midwest courses to his name, Whispering Pines opened to

the public in 1986. The playing area is spread across 131 acres located between County Road 6 and beautiful Cedar Lake in the Heart of the Lakes, a vacation destination widely-known for its numerous lakes and close proximity to the Twin Cities. This turn-key opportunity offers a well-maintained course, attractive stone and half-log sided clubhouse with covered patio, large paved parking area, an extensive inventory of equipment, and a wonderful following of both local and vacation players.

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The Bay Club

$669,000 | #3953658


A clear favorite in dining and entertainment for years, The Bay Club has given residents and visitors to the scenic Heart of the Lakes area a destination

to come back to time and again. With a pleasing atmosphere, both rustic and refined, the restaurant appeals to a wide range of customers and has a reputation for excellence across Central Minnesota’s lake country. Fully remodeled in 1997 by its current owners, the 3,992 sq. ft. facility can accommodate a high volume of guests, with abundant parking and a fabulous outdoor setting. The Bay Club sits on the edge of Turtle Bay, on 3,000+ acre

Clearwater Lake, the largest in the Annandale Area. A turn-key business opportunity, it offers an established business with a strong customer base, a quality structure, state of the art computer software systems, and upgraded kitchen equipment, just the start of an extensive list of enhancements.


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Personal Storage Condominiums $52,640 Got stuff? Own your own storage condo! Power, heat, 16x14 overhead door with opener, 16’ side walls. for more info.

Highway 55 $199,900 | #3851536 Parcel has 675’ of frontage on busy Hwy 55. 3.5-acre lot has few limitations. Excellent visibility. Development coming soon on South side.

Annandale $109,000 | #3865254 Numerous potential development possibilities. Beautiful .84 acre lot, in great location. 5,000 sq. ft. brick building with newer metal roof.

Cokato $419,000 | #3975559 Commercial opportunity in the heart of town. Great location with high foot traffic. Established businesses currently leasing. 8 units.

For Lease

commercial space available

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1,680 sq. ft. of warehouse space (3) 12x12 garage doors Downtown Annandale location


Maple Lake $399,900 | #4056645

Dare to dream big! Commercial Property with two large buildings located

on four acres with easy access to Highway 55. City sewer and water. The possibilities for this commercial facility are unlimited! Office building has

an elevator and kitchen facilities in the lower level. The large warehouse

has a loading dock. Warehouse has 6 inch concrete floor, ceiling height that ranges from 12-30 feet, natural gas radiant heat, 3 phase electrical power available. Nice level lot with options to expand or possibly split.


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French Lake Auto Parts #3800209 A world leader in the automotive recycling business since 1956, French Lake Auto Parts is located 60 Miles west of the Twin Cities, with over 84 acres and 6,000 +/- vehicles that range from the early 1900’s to the present. The company is well-known for its large inventory of antique parts and large inventory of late-model parts. They also offer customers many rust-free parts and rebuildables shipped in from Arizona. They specialize in hard to find classic auto and truck parts along with a large selection of quality, affordable used cars, trucks, SUV’s and classic cars for sale. While 60 percent of its customers are located within Minnesota, FLAP also ships nationwide and worldwide. Welcomes 250-300 walk-in customers on a typical Saturday. This family owned and operated company is celebrating its 54th year in the auto parts, vehicle recycling and car sales business. Includes: Land, buildings, business, inventory, equipment.

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lake maps Explore and enjoy area waters

City Park, Beach, Fishing Pier, Public Access

509 acres

3 Public Access, Fishing Pier

City of Annandale

pleasant lake


Map images available online at

Clearwater/Pleasant County Park

3 Public Access

french lake 332 acres

Grassy Island

granite lake 339 acres

3 Public Access

Map images available online at

lake john 411 acres


Public Access

3 Public Access

3 Public Access

cedar lake 837 acres

Map images available online at


Public Access

777 acres

maple lake

Public Access


Public Access

3 921 acres

lake francis

Map images available online at


Bell Point

sugar lake 1,015 acres

indian lake 3

Public Access

Public Access


n ne l

west lake s y lv i a l a k e s y lv i a 1,524 acres

(both lakes combined)

Lake Sylvia Peninsula

Bull’s Island

3 Public Access

Map images available online at

otter lake

3 Public Access

Bungalow Island

3 Public Access

l a k e au g u s ta 178 acres

grass lake

bass lake 218 acres


Public Access

The Narrows

c l e a r wat e r l a k e 3,196 acres

Map images available online at

Grass L Otter Lake


Lake Caroline Lake Louisa

Lake Marie Lake Augusta

Clearwater River

Clear La s o u t h h av e n

Lake Betsy

Pleasant Lake Lake John

Lake Union


Lake Sylvia Pickerel Lake Moose Lake

Lake Francis French Lake

Granite L Crow River

Limestone Lake


Bass Lake

Sugar Lake Silver Lake

Indian Lake

rwater ake

Cedar Lake

Mink Lake Somers Lake Lake Mary

Swartout Lake

Maple Lake maple lake

Ramsey Lake

Lake Map images available online at

call. click. come in.

annandale office 720 Elm Street East Annandale, MN 55302 Local: 320.274.5737

maple lake office


501 Maple Avenue North Maple Lake, MN 55358 Local: 320.963.2088 |

Heart of the Lakes Property Portfolio | Fall 2011  
Heart of the Lakes Property Portfolio | Fall 2011  

Real estate opportunities in the scenic Heart of the Lakes area of Annandale, Minnesota. Offered by Oak Realty, the area's oldest brokerage....