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Heart of the Lakes property portfolio



Since 1974

fall 2012

understanding administr ative fees Better known as “admin fees.” Real Estate brokers faced with higher costs of doing business have looked for ways to supplement their income. Most have begun charging admin fees in addition to commission. They usually range from $295-495. These fees can be charged to buyers and sellers. Think about that….. it can become a great income generator over the course of a year.

The administrative fee is just that, a fee to help pay for the office staff and the tools and systems that make a real estate transaction run

smooth. As an owner/broker, I made a decision years ago that my company would not charge an administrative fee to buyers or sellers, and still give them great service, a quality marketing plan and all the tools and systems that make buying or selling a fun, exciting, and successful experience. I have always felt good about that decision.

If you feel it’s time to jump into this “Buyer’s Market” and take advantage of the low home pricing and interest rates, you can count on

our team to provide a positive experience with no additional or surprise expenses at the closing table. Educating as well as assisting our clients in their search or sale, is an important part of our job that we take a lot of pride in! Enjoy the fall season!

- Steve (Brugge) Bruggeman, Owner

Table of Contents

[ cover photo ] Lake Maria State Park

l akeshore

General Contact 4



lots & l and


commer cial


l ake m ap s


Watch for these icons!

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

gary dagner

hollie dagner

mike mcnellis

jenna potter

amy mcnellis

t o m g ay

tiffini kiebel

angie wisner

amy miller

Broker, Realtor®, gri, crs (320) 274-6363

Associate Broker (320) 980-2445

carla sundblad

justin wisner

Realtor®, gri, wcr (320) 493-1361

Realtor®, gri (612) 226-6649

Realtor® (612) 801-4967

Office/Marketing (320) 274-5737

Realtor®, gri (320) 309-1739

Realtor® (612) 963-4190

Marketing (320) 274-5737

Realtor® (320) 309-1739

Realtor® (320) 492-1641

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

Realtor® (763) 464-2048

lakeshore luxury on area waters

Lake Sylvia

Cokato Lake

Cedar Lake

Stunning custom home with impressive con-

Gorgeous lake home with 100’ of shoreline Wooded 5-acre lot with a thoughtfully finand beautiful views from throughout the ished home. Lovely master suite with custom-

$599,900 | #4190875 struction details throughout! Fabulous “cook’s” kitchen, maple floors, vaulted great room with

beautiful lake views. Gorgeous ceilings must been seen to believe! Master suite with private balcony and bath. Expansive lawn and 150’ of shoreline! Read more on Page 23.

$589,500 | #4169616

$1,550,000 | #4107983

home and a fabulous wrap-around deck! Built ized closet, private bath and sliding door to the in 2004, and finished with quality materi- lakeside deck. Expansive rec room on upper als throughout, this home is sure to impress. level and fantastic storage space in lakeside 3,240 finished sq. ft. and full of wonderful tuck under garage. Walls of glass offer stunning features! Read more on Page 6.

lake views. Read more on Page 19.

Sugar Lake $999,000 | #4160661 p[ This beautiful home is set on almost an acre of privacy that offers over 145’ of sandy lakeshore and amazing lakeside views. With three bedrooms and three bathrooms there is plenty of room for your whole family and guests that may stop by for the weekend. The gorgeous vaulted living

room offers a gas fireplace and spectacular view of the lake. Spread out in a spacious kitchen with stainless steel appliances, center island and large pantry. Enjoy a master suite with trey ceilings, two walk-in closets, dressing room, full bathroom with heated tile floors, whirlpool tub, his/

her sinks and even walks out to a gorgeous 28x14 covered lakeside deck! Upgraded lighting throughout, even leading to a well lit dock, perfect for those who love to do a little night fishing. Keep the mature landscaped yard lush and green with your in-ground sprinkler system.

www.oakr e al ty m n . c om


Cedar Lake $589,500| #4169616


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.



Lake Sylvia $279,000 | #4132396

Rolling, heavily wooded lot in the established Northridge Addition. This

scenic lot slopes to beautiful, hard bottom shoreline in Flannery’s Bay. Suitable for a walkout style home, this property is ready to build on.

Enjoy sunrise views, privacy and this wonderful, mature neighborhood. Northridge residents share a private boat landing at the end of Pleason Avenue. This quiet, paved road weaves around 2 large outlots that owners

can enjoy, and through the woods of this beautiful area at the North end of the lake. Soil tests already done and are available.

Pleasant Lake $489,900 | #4088415 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.

www.oakr e al ty m n . c om


Clearwater Lake $399,900 | #4050798

Lake John $263,900 | #4168413

Granite Lake $159,000 | #4118866

Waverly Lake $245,000 | #4177622

Gorgeous lot with towering trees and 135’ of level, sand shore near the “Narrows.” Prime lot with sunrise views, .59 acres, enjoy now build later.

Super views year-round from this great North shore location. 2.2 acres, with 165’ of shore. Plenty of room for home and outbuildings.

Lake Minnie Belle $325,000 Price Reduced! | #4138320


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!

A cabin for all seasons on the North shore. Great fishing and boating! Brazilian hardwood floors in the living room. Nice steps to the lake!

Outstanding lake home on the North side of Waverly Lake. Nice three season porch, sunset views. Kitchen has top of the line appliances.

Maple Lake $349,900 | #4031298

Lovely home on Maple Lake with a large kitchen, gorgeous views of the lake, and a spacious lakeside deck. 1,280 finished sq. ft., 2 garages.

pic k a pu m pk i n , c arv e t o w i n !

Join the fun at our office this Halloween by grabbing a pumpkin off the old truck in front of our

office in mid-October. Return it carved by Monday, October 29th, for a chance to win! All ages can participate. Pumpkins will be on display and voted for by trick-or-treaters during the Chamber Community Trick-or-Treat event on Wednesday, October 31st from 3-5 p.m. 8


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 www.oakr e al ty m n . c om


Lake Louisa $369,900 | #4185194


What a wonderful place to call “home.� All necessary living needs on main level including laundry! Amazing lake views and pristine yard greet

you as you arrive. Try your luck at fishing from one of two docks located on 125 feet of sandy lakeshore. If you are looking for a place to store the

big toys, here it is! Drive down the side of the house on the asphalt drive-

way to the back of the house and there is another 3 car garage with access to the lower level, that makes a 6 garage stalls. Gorgeous landscaping including a boulder rock wall and an assortment of plants and flowers.

Lake John $164,500 | #4178872 Quaint, vacation getaway less than an hour drive from the cities. Beautiful lake views & mature trees provide that desired north woods

feel. Spacious screened in porch keeps the bugs away as you enjoy

breeze, enjoy a lakeside campfire or the view from the deck. Great yard and back lot offering extra room to park a camper or set up a tent for those bigger gatherings. The cabin has two bedrooms and

potential to finish the basement for more room. Cute vintage kitchen appliances add to the charm of this delightful cottage. 10


Clearwater Lake

$180,000 | #4043052

Lake Sylvia


$349,900 | #4169802

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

Stunning lot with 224 feet of hard bottom lakeshore on West Lake

throughout and includes a spacious living room, bedroom, bathroom

less thing to check off the list with asphalt driveway already in. Lake

fully furnished and ready to enjoy. Interior has a lovely knotty-pine

and kitchen. Screened 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 shoreline on Clearwater Lake, with great waters for boating, fishing or just relaxing in the warm sun!

www.oakr e al ty m n . c om

Sylvia. Enjoy 1.8 wooded acres perfect for your dream home. One

Sylvia spreads across 1,524 acres with water clarity of 17 feet. The lake

is made up of two lakes connected by a wide channel with a public access on the West side. Sale of the property includes an existing tennis court. Start enjoying the property right away!


Clearwater Lake $695,000 | #4131804


Remarkable four bedroom home set on 160’ of natural shoreline. Fall in love with an updated kitchen, complete with granite countertops, heated

tile flooring, custom cabinets, stainless steel appliances and two sinks. Enjoy a master suite with French doors, wood flooring, master bath, and lake-

side deck. Other details include a vaulted living room with wood burning fireplace, upper level office with views, family room with gas burning fireplace that walks out to a lakeside patio. There is a spacious yard to enjoy with plenty of room for yard games and a bonfire with views!



Lake Sylvia $599,900 | #4159617 p[ This spectacular lakeside home has everything you are looking for as your summer getaway or year-round home. Tucked in the trees, this chalet

style retreat overlooks 128’ of shoreline. Enter into a kitchen with custom Alder cabinets. You will love the upgraded lighting and natural woodwork

throughout. The spacious living room has a gas fireplace with stacked stoned accents and walks out to a large wrap-around deck with stunning lake

views. There is tile flooring throughout, a master suite with a door to the deck, walk-in closet and full bathroom, formal dining room, large pantry, laundry room, open staircase with half log accents, and lower level with bathroom, office and two additional bedrooms and walkout patio. Enjoy room for guests with a 10x10 guest house. Take in the scene in a 26x24 gazebo with hot tub. This is definitely a lake home you will love!

www.oakr e al ty m n . c om


Upcoming Local Events Thursday, October 4

downtown art crawl

fall pancake breakfast at pioneer park

Saturday, October 27, 5-8 pm

halloween spectacular at pioneer park chamber community trick-or-treat act holiday home tour

Sunday, October 14

Wednesday, October 31, 3-5 pm

Saturday, November 17 Saturday, December 1

pioneer christmas at pioneer park canadian pacific’s holiday train & show lion’s club breakfast with santa

Watch for Date/Time!

Sunday, December 16

Clear Lake, Watkins

Lake Sylvia

$89,900 | #4121585

$319,900 | #4110664

Great investment opportunity for lakeshore! Affordable lakeshore lot

Scenic lot in the quiet Northridge Addition on beautiful Lake Sylvia.

lar views of the lake. Property is located on the East side of Clear

Build your dream home in the trees overlooking 232’ of shoreline in

with 60’ of shoreline. Beautiful, matured treed walkout site. SpectacuLake, so get up early and enjoy spectacular sunrises while you sip your

morning coffee! Watch the waterfowl and wildlife from this scenic lot. Clear Lake is 529 acres and has 2 public accesses. Buy today and build later!

www.oakr e al ty m n . c om

A 1.2-acre, wooded parcel with spectacular hillside views of the lake. Madsen’s Bay. Serene, dead-end drive makes this an ideal location for total relaxation and an escape from everyday life! Northridge residents enjoy a shared outlot, a nice paved drive, and a private boat launch at the end of the road.


Lake John $206,000 | #4156253

Lake Marie $255,000 | #4156891

Maple Lake $349,900 | #4031298

Sugar Lake $144,500 | #4089303

Grass Lake $139,900 | #4143289

Mink Lake $119,900 | #4187781

Enjoy fabulous Lake John with 400 acres to boat, fish and swim. Includes back lot for future garage. Lots of outdoor entertaining spaces!

Great livable year round home on a fantastic 150’ lot. Remodel or build new later. Three bedrooms, gorgeous views, two detached garages.

Lovely 3-season, 3-bedroom cabin with resort amenities incl. a nice beach, outdoor pool, and dock! Access to 3,000+-acre Clearwater Lake!

Year-round home with seasonal lakeside cottage for guests. Large lakeside deck for entertaining. Great views and great location!

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.


Charming seasonal cabin with 80’ of sand shoreline. 8x8 storage shed, new roof and siding, patio, and great views from a wall of windows.

be au t i f ul 1 8 x2 4 wal l pr i n t s

High quality satellite images of our area lakes, printed on elegant, matte finish stock. Free and available at our Annandale Office. Stop in anytime to pick one up and grab extras

for friends! Lakes Available: Sylvia, Sugar/Indian, John, Pleasant, Cedar and Clearwater/ Augusta/Otter/Grass/Bass. 16


Lake Pokegama, Grand Rapids, Minn.

$3,500,000 | #4188212

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.

www.oakr e al ty m n . c om


Lake Sylvia $219,900 | #4175775


You will find this charming A-frame style, 3-season cabin, tucked in the trees on Turtle Bay of West Lake Sylvia. Relax comfortably with a lofted bedroom, main floor bedroom, kitchen, full bathroom and a lakeside living room with views of the lake. Walk on out to a new

wrap around lakeside deck, the perfect spot to enjoy your favorite

beverage! Have extra storage room with an 8x12 storage shed just off

the lake. Fall in love with 75 feet of Lake Sylvia shoreline! This could be a perfect family hideaway for years to come.



Lake Sylvia

$1,550,000 | #4107983


Come home to this beautiful West Lake Sylvia lake home, and surround yourself with 5+ acres of mature woods and privacy. Perched above the

lake with spectacular views, this thoughtfully finished year-round home or vacation retreat was built in 2007 with quality and comfort in mind. It is the details that make this home shine. Douglas Fir wood floors with a fascinating history, custom Knotty Alder cabinets that close silently, in-floor heat in every bathroom and wonderful top of the line appliances. Retreat to a master suite that has its own sliding doors to the lakeside deck, a customized walk-in closet, and spacious master bath with whirlpool tub. Use the expansive upper level recreation room for family fun and entertaining. A setting perfect for the couple or family seeking a spectacular home in the trees, this property is ready to be enjoyed.

www.oakr e al ty m n . c om


French Lake

Sugar Lake Access

This charming 2 bedroom seasonal cabin is ready to enjoy. Virtually

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

The hard to find level yard is ideal for games. There is additional space

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

$169,900 | #4158306 maintenance free with new vinyl siding and newer windows and shingles. for tents and campers on the back lot. Wonderful lakeshore that is sandy, hard bottom and weed free. The open floor plan and wall of windows

provide a gorgeous view of the lake! Tongue and groove interior finish and vaulted ceilings give a wonderful “up north” feel.

$189,900 | #4041823


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!

Clearwater Lake

Days Lake

Charming one-level, seasonal cabin on the water’s edge of beautiful

Gorgeous private retreat or development. This 18-acre parcel is cur-

ready to be enjoyed this summer! Extremely clean and well kept with

a road and the opportunities are endless. Or, make it all your own and

$179,900 | #4167218 Clearwater Lake. This cabin has been completely renovated and is

two bedrooms and bathroom. Spacious great room area is perfect to

spread out during those rainy days. Full kitchen has all the updates with tons of cupboard space. You will love the level lot with huge lakeside deck all summer long!


$139,900 | #4067612 rently split into 5 lots, and the plat is already filed. Purchase it, put in

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.


Mink Lake

$214,900 | #4155922

Make one of the finest panoramic views on

bedroom could easily be added. Recent up-

that come your way. Mink and Somers Lakes

double lot at the end of a peninsula, approxi-

windows, central air and furnace. There is a

nel and together they offer 459 acres of quiet

the lake yours! This location is ideal, on a mately .57 acres, with 233’ of level lakeshore. Enjoy fishing right from your property! Enter the home on a nice 8x14 deck. The in-

terior offers 1,770 finished square feet with

two bedrooms and two baths, but a third

dates to the home include new roof, siding, spacious 12x33 lakeside deck to enjoy morn-

ing coffee and evening cocktails with family and friends as you take in a spectacular sun-

set view. Detached garage has bonus 16x24

are separate lakes adjoined by a small chanrecreational waters, great for fishing, pad-

dling and boating. The nearest town, just to the East, is Maple Lake.

man cave or bunkhouse for the extra visitors

www.oakr e al ty m n . c om


Silver Lake $489,000 | #4178974

Cokato Lake $159,900 | #4100680

Crooked/Long Lake $181,700 | #4078695

Lake Marie Deeded Access $39,900 | #3979982

Grass Lake $119,900 | #4109330

Lake Louisa $139,900 | #4156850

Beautiful custom built home on 2 acres, with 200’ of lakeshore with sand beach. Gorgeous towering pines. 26x36 detached garage. Sunsets!

Quaint, maintenance-free lake home conveniently located off I-94. Spacious, 3/4-acre wooded lot. Warm, comfy interior. A great retreat!

Great 3-season cabin with resort amenities incl. beach, docks, outdoor pool, 17-acres of common grounds. Updated interior & exterior.

Alluring building lot with gentle slope to 539-acre Cokato Lake. 150’ of lakeshore. 45 minutes to the Metro. Stocked with walleyes in 2008.

Affordable weekend getaway in the Heart of the Lakes. Includes 2 storage sheds, and an 8x28 RV with screened porch. A great summer spot!

Sweet hideaway on Louisa. Two bedroom, one bath, all one level. Nicely shaded deck with 75’ of lakeshore. Included: boat, lift, dock, pontoon.

f r e e ar e a l ak e m ap s !

New Clearwater Lake maps complete our one-of-a-kind series, created by hand by Steve over many

years. These maps accurately show how property lines lay out around the lakes. Pick up a free wallsized print in our office. Others still in stock include: Pleasant Lake/Lake John, French Lake, Cedar Lake, Granite/Camp Lakes, and Sugar/Indian Lakes. 22


Cokato Lake $599,900 | #4190875 p[

Gorgeous custom home constructed by award winning Werschay Homes of St. Cloud. This home is truly impressive from upgraded lighting to stun-

ning flooring. Enjoy entertaining with a ‘cooks kitchen’ including custom cabinets, marble and granite countertops, stainless steel appliances, detailed lighting and a spacious pantry. Home boasts 6” hand scraped maple wood flooring and custom blinds throughout, four season sunroom, living room with two-story vaults and spectacular views of the lake, office, dining room, and two upper level bedrooms. Find some time to relax in a true master

suite with ornate ceiling, door to balcony overlooking the lake, private bathroom with tile flooring, double sinks, marble countertops, separate open shower, whirlpool tub, and large walk-in closet. Spread out with an expansive landscaped yard and 150’ of sandy shoreline.

www.oakr e al ty m n . c om


Vacation Rentals on Lake Sylvia 6633 county road 3 nw, annandale 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 shore. Pets are always welcome here. Available for rent from Memorial Weekend thru fall. Could you use a quiet escape?

Spring & Summer 2013 Availability!

6225 pilger avenue nw, annandale Set on 4 private acres of the renown Lake Sylvia Peninsula, this spacious waterfront home is available for rental throughout the year. Its thoughtful floor plan comfortably accommodates up to 8-10 adult guests. Families with children, don’t pass it by. With an expansive lakeside lawn that stretches along 450+ feet of pristine shoreline, this is a haven for fun and play all year long. Gathering spaces throughout invite you to relax, rejuvenate, and reconnect with family and friends. Numerous amenities include satellite television and high-speed wireless internet service. No need to leave your pets at home, they are more than welcome here. Isn’t it time you treated yourself to a week away?

Year-Round Availability!

320.274.6363 10

w w w.oakr ealt y

Lake Union $189,900 | #4083128


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

is on one level. The kitchen opens to dining area and living room. Step on out to lakeside deck from dining area and enjoy views of Lake

Union. This home has an abundance of storage space and room to

spread out. You will love a master suite with a private 他 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.

www.oakr e al ty m n . c om


Lake Sylvia $249,000 | #4099734 The opportunity to purchase a waterfront

beautiful parcel is for you. Build the home of

along Pilger Avenue and continues as you

nearly 2-acre lot is in Flannery’s Bay on the

natural rise in the land gives you panoramic

land is ideal for those seeking a surrounding

lot with acreage is rare on Lake Sylvia. This

North end of West Lake Sylvia. It’s a quiet, serene bay great for fishing and filled with wildlife, and offers easy access to bigger water. If you’re seeking privacy in the trees, this


your dreams in these mature woods, where a

views of this end of the lake. There is approx-

imately 500+ of shoreline, with a permanent wood dock on the property. Take 80th Street

turn onto 76th Street. This unique piece of

of woods and wildlife, with the added benefit of a quiet access to the lake.

to Pilger Avenue, this parcel extends from


residential at home in the country



Stately 2-story home on 15 rolling acres.

Everything you want in a clean, updated and Spacious manufactured home, with 2,100 fin-

in-floor heat, a gas fireplace, granite counter-

few miles from town. Four bedrooms, two fire- One level living, with a nice open floor plan.


Quality finishings include hardwood floors, tops, and a private deck off the master suite. Also enjoy a fabulous lower level workshop, and expansive views of the countryside!

$319,900 | #4187156


$159,900 | #4183552

spacious 3,500 sq. ft. home on 6+ acres just a ished sq. ft. on 4.3 rolling acres and mature yard. places, a large family room, fruit/wine cellar, a Triple detached, heated garage/shed. Deck and

new 10x31 deck. The property also has a guest/ porch provide great places to entertain! Great rental house and horse barn.

location, just 2 miles off I-94.

Annandale $274,900 | #4115693


Remarkable home on the 2nd fairway of Southbrook GC. Beautiful colors and finishings were used throughout, including custom maple cabin-

etry, 6-panel doors, 9 foot ceilings, and 2 fireplaces. Relax in a master suite where the private bath has a whirlpool tub. Main floor living room, sun

room, and course side balcony offer perfect spaces to entertain. Enjoy an office, exercise/utility room, entertainment area, large family room, bedroom and more on the walkout lower level. Sliding doors lead to a patio overlooking the fairway. This is truly a course side dream home!


$152,900 | #4165580

Sharp, well-maintained split entry home in a

lower level family room is cozy with a gas

the perfectly manicured yard and care of the

home offers an 1,824 finished square feet in

for movies or relaxing in the evening. On

extra asphalt parking area for the toys, and

prime location in Sartell. Built in 1997, this

an open floor plan, great for entertaining and everyday family life. Hardwood floors flow

throughout the upper level. There are three spacious bedrooms, each with walk-in closets, including the 12x14 master suite. The 28

fireplace, making it a great space to gather beautiful nights you will want to be outside

on the spacious 12x18 back deck. Mature trees at the back of the lot line a beautiful

lawn and offer privacy and protection from

home throughout. Parents will appreciate the other features that make this an all around

great family home. Appliances are all included. This home is move-in ready!

the road. Pride of ownership is evident in www.oakr


$389,900 | #4153459


Set on 4 ½ acres of mature landscaping, this

class and enjoy a built-in hutch with lights,

in closet. Lower level includes two bedrooms,

tail. Enter into a lovely foyer with built-ins.

and stunning Brazilian cherry wood floor-

gas fireplace, and extra eating area with tile

home was built in 2004 with stunning de-

Family will gather in the spacious kitchen

with custom cabinets, large picture window, breakfast bar and upgraded lighting. Keep organized with a roomy laundry room, desk

area, and walk-in pantry all in one! Dine with

the double sided gas fireplace, vaulted ceilings

ing. The main floor also boasts a living room with double-sided gas fireplace and stunning views, ½ bathroom, gorgeous master suite

with full private bathroom, whirlpool tub,

a full bathroom, enormous family room with

floors. Walk out to a beautiful backyard that

is perfectly landscaped. This home is ready for you to enjoy!

heated tile floors, separate shower and walk-

www.oakr e al ty m n . c om



$99,900 | #4101844

South Haven

$189,900 | #4136318

Fantastic opportunity to own prime property in the city of Kimball.

Check out this fabulous three bedroom, two bath year-round home

spacious corner city lot, and tastefully decorated. The convenience of

stunning views of Lake Sylvia. The kitchen has updated cabinets

This property has had many updates throughout. Large 3-car garage, a main level laundry, bright and open living area, and master bedroom with additional sitting area are just some of the features this

home offers. Great location with easy access to Highway 55 or 15 and walking distance to downtown and the school.


with large double garage. The upper level is spacious and open with and wonderful granite countertops. There are plenty of outdoor entertaining areas including a 12x26 deck and patio. Kick up your feet and enjoy a glass of wine and the fabulous views!


Clearwater $187,900 | #4155998

Well-maintained 4-level home built in 2004 on a large corner lot. Huge patio, lower level family room with wet bar. Lots of sunlight inside!

Maple Lake $149,900 | #4181191

Brand new home in a well-kept neighborhood. Add your own touch by selecting flooring, paint colors and appliances. Located in city limits!

Kimball $159,900

Watkins $114,900 | #4138496

Monticello $259,900| #4183012

South Haven $155,000 | #4167583

New home to be built in Heritage Park of Kimball. Oversized lot, with views of Powder Ridge and an easy commute to St. Cloud.

Large, well-cared-for rambler with many upgrades. Beautiful, fenced backyard with mature trees and paths. Mother-in-law apt. in lower level.

Huge corner lot with nice tri-level home, basement recently finished. New patio, heated garage, upgraded appliances. 1/4 mile to Hwy 55.

Clean and spacious home with a large, 1-acre yard for great for a garden, children, pets. Choice of Annandale or Kimball School District.

joi n u s on fac e b o ok

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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Becker $204,900 | #4179360


Perfectly maintained 4-level home on a large lot. Main level walks out to a stunning patio w/fireplace, built-in grill, firepit. Near Hwy 10.

Sauk Rapids $229,900 | #4074953

Looks like new! One-level home on 9+ acres. Oversized 2-car heated garage, spacious interior with many upgrades and extras throughout.

Zimmerman $339,900 | #4132900


Stately 2-story on 2.5 wooded acres. Great outdoor entertaining spaces with screen porch, deck, patios. Spacious interior, many upgrades!

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Clearwater $49,900 | #4183483

Located in the historical downtown district of Clearwater, walking distance to the Mississippi River and parks. Close to I-94 and Hwy 10.

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.

Clearwater $104,900 | #4106352

Just minutes from I-94 and Hwy 10, this well-maintained 2-story home sits on a large city lot. Recent updates: paint, carpet, lighting!

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$184,900 | #4153547


This impressive four bedroom, two bath

gardens, horse shoe pit and bonfires. Home

built in 1997 and offers 2,194 finished sq. ft.

than a minute from the interstate. The out-

in. Large lower level bedrooms have closet

districts, either St. Cloud or Annandale,

country home is located on an acre lot less

side is manicured to perfection and the inside is impeccably maintained. A stone walkway

leads to large deck for outside get togethers. Fenced area for pool or area for the small

children to play. Ample outdoor space for

is finished up and down so just move right

organizers in both closets. The family room has attached office nook. Open floor plan

allows for everyone to be a part of the con-

versation. Shed with built-in dog kennel is

of wonderful living space. Choice of school

both buses stop at the beginning of the road. If you want move in ready in a great location, then this is the house for you.

great for the pets in your life. The home was

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B caught Upside down on your house?

We can help.

If you have questions about short sales, give us a call. Our experienced staff can guide you through the process and provide you with the resources you need. Annandale 320.274.5737 | Maple Lake 320.963.2088


Since 1974

LAND private locations, ready to build

3.4 Acres, Camp Lake

10 Acres, South Haven

This lot on the South side of Camp Lake (also

Beautiful 10-acre parcel just off County Road Picture your new home nestled in tall pines!

ture trees and located on a dead-end road in

rolling hills. Tucked away from the main road, dining. Pole shed already built on the property

$99,900 | #4051779

known as Lake Henry) is covered with maa quiet neighborhood. East-facing lakefront

lot with wonderful privacy, that also overlooks a pond. Great fishing!

$79,900 | #4135210

5 Acres, Kimball

$39,900 | #4117142

2, South of South Haven. Mature woods with Walking distance to school, church, stores and

this lot offers a very private spot to build your offers storage for now, and when you build. dream home and enjoy an abundance of nature Additional land is available. Located within surrounding you.

Kimball City Limits.

Hunter’s Cove Silver Creek Heights, Maple Lake


Hunter Lake Bluff, Clear Lake

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.

From $69,900


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

$49,900 | #4005322 Build with privacy and elbow room, with the

From $19,900

home, located just off Highway 10 in Clear

10 Acres, Annandale



Buildable, 10-acre parcel. Great open land to

6 acres of heavily wooded land, very secluded,

Heavily wooded 5-acre parcel near Sugar

outbuildings. 2 miles from town, country feel!

cess to I-94. Two 6-acre parcels available.

tract for Deed financing available.

$89,900 | #4144991

build a dream house, with room for shed or

$71,000 | #4172721 with some ponds. Abundant wildlife! Easy ac-

$83,500 | #4085620 Lake and. Driveway in. Great hunting! Con-


Silver Creek

Annandale, Highway 55

Private country lot! 1.5 acres, with mature

Private, 3-acre country lot, perfect location for

3.5-acre lot with 675’ of frontage, and few limi-

to build your new home. On a quiet road.

views. Located on a quiet, dirt road.

on the South side of highway.

$35,000 | #4038618 trees, a great location for the nature enthusiast

$59,900 | #4039249 a new home. Overlooks a pond with wonderful

$199,900 | #4101681

tations. Excellent visibility! New development



Heritage Park of Kimball

26 Twinhome lots in the new Heritage Park of

Prime acreage in a great location, 1 mile off

28 oversized, single family lots available in this

and gutter are in. Views of Powder Ridge!

approaches. Develop now or later!

Ridge. Quick commute to St. Cloud!

$399,900 | #4175032 Kimball development. Utilities, blacktop, curb

$215,000 | #4153673 I-94. Approximately 8 acres is wooded. 2 road


new “green” neighborhood! Views of Powder


Meadows of South Haven


Three nice lots in the City of Cokato, ready for

7 lots available, ranging from 3 to 3.9 acres.

Rolling, wooded 1.8-acre lot on the corner of

of Swanson and 3rd St. Your builder or ours.

payment and 0 interest for 36 months.

walkout site, close to parks and lakes.

From $17,900 your new home! Beautiful trees mark the corner

From $54,900

Excellent Contract for Deed terms, low down

$35,000 | #4120820 Cty Rd 6 and 70th. 2 miles to town. Great

South Haven

Southbrook Golf Course, Annandale

South Haven

Lot with views of Lake Marie. Includes 2 stor-

Beautiful building site on the 4th t-box and

Scenic, heavily wooded 2.1-acre lot on a dead-

screened porch. Affordable weekend getaway!

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

erty. Near many area lakes.

$39,900 | #3979982 age sheds, 8x28 Dutchman RV with 12x24 36

$49,900 | #4170377

fairway at Southbrook Golf Course. Large lot

$79,900 | #4155590 end road. County land backs up to the propwww.oakr

50 Acres, South Haven

Hunter’s Cove, Annandale

South Haven

Tillable land just north of Lake Sylvia. Beauti-

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

Gorgeous wooded, 1.6-acre lot. Quiet and

Edge of South Haven, more land available.

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

home. Close to Fairhaven.

$172,500 | #4112208

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

Lots from $18,900

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

$29,900 | #4112590 secluded location to build your new country

Hunter’s Path, Annandale

St. Michael

Views of Lake Sullivan

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

55-acre parcel, 47 acres tillable. Zoned agri-

Privacy is yours and beautiful views. Heavily

1-acre. Neighborhood of quality-built homes.

rented out. Rolling land, within city limits.

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

$59,900 | #4017357

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

$484,900 | #4178986 culture, with homestead on property, currently

$29,900 | #4112591

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

39+/- Acres, South Haven

Sauk Rapids

Just South of South Haven on County Road

Private hunting preserve. 80 gorgeous acres of

Getaway lot, perfect for an RV or camping! Not

able. Corner parcel.

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

Clear some trees and have a great camp site!

$134,500 | #4112207

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

$300,000 | #4164163 woods and water. Keep it to yourself or split into

Lake Marie Access

$8,000 | #4140657 buildable. Ingress and Egress to Lake Marie.

Limestone Trails Limestone Trails

8 Acres, Clearwater


Four lots available at Limestone Trails. Large

Buildable and beautiful 8-acre corner lot with

Build your dream home on 40 acres and enjoy the

outlot and lake access. Ideal for nature lovers.

is already on the property.

preserve. Prime land, bordered by county roads.

From $44,900

acreage lots with mature trees, trails, 25+ acre

$79,000 | #4187839 mature pine trees. Easy access to I-94. A well

$96,400 | #4130705 wildlife or use the acreage for your own hunting

Maple Lake

Cedar South, Clearwater

9+ Acres, Clearwater

75 acres of agricultural land. 15 acres of it is

Oversized city lots in a great neighborhood

Rolling acreage with spectacular countryside

of hunting in the woods too! Close to town.

Lots are 1 block from the park.

homes. Close to I-94. Numerous building sites.

$339,900 | #4168215 wooded. Great farming land, with added bonus

From $19,900

with easy access to St. Cloud or the metro.

$84,900 | #4123797

views and wildlife. Area of newer, prestigious


Market Retreat, Annandale


From $65,000

$205,000 | #4172887

Large, 38-acre lot, with room for horses and

Large country lots located between Annandale

Heavily wooded 55 acres, with some ponds,

to be determined by new survey.

Close to Hwy 55, town, and golf course.

Wright Cty Future Land Use. Close to I-94.

$170,000 | #4100382 more! Perfect hobby farm site. Exact acreage

and Cedar Lake. Quiet, wooded development.

www.oakr e al ty m n . c om

very secluded. Wildlife throughout! Ag/Res in


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

of Clearwater

(320) 309-1739

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






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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 SOLD! $65,000 $118,900 $118,900 $94,900

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

commercial location, space, opportunity!

Main Street, Annandale

Highway 55, Annandale

Charming red brick storefront in a prime lo-

Prime, high visibility, Highway 55 location Great commercial opportunity for your busi-

foot traffic makes this a great location for of-

Currently leased until November 2012. Many renovated in 2006, including hardwood floors,

$45,900 | #4114092

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

$179,900 | #4102119

Maple Lake

$89,900 | #4151794

for a small business or general office space. ness in downtown Maple Lake. Storefront possibilities for current building or tear down windows, HVAC and updated electric. Build-

and start new. Large lot with room to expand. ing has an apartment in the back, as well as

Corner location just a few blocks from down- a detached garage. Bring your ideas to this town Annandale.

charming building!

Highway 55, Annandale


Great opportunity for a single business or multiple businesses. This

The Thayer Hotel is a historic building, last operated as a Bed &

along with a spacious showroom area. Attached is a 17,922 sq. ft. open

ulous commercial kitchen, full bar set-up, dining room that can ac-

$599,000 | #4128533

large building offers a front area with 6 offices with C/A and forced air, warehouse with several overhead doors great for moving equipment. Also includes loading dock and outdoor fenced-in storage area. Lot size is 2 acres, with a front lawn and abundant parking area. This is a prime location with high traffic Highway 55 frontage.


$699,900 | #4182921

$189,000 | #4150506 Breakfast, that offers 12 guest rooms, each with a private bath, a fabcommodate 50+ with the potential of 2 separate private dining areas

for small parties. Beautiful patio and garden area for outdoor seating. Built in 1895, this landmark downtown property welcomed Annandale’s earliest visitors arriving by train. Rich in history and potential.


$285,000 | #4146663

Great business opportunity for a single business or multiple businesses.

Great commercial building in a prime location with great rental

bathrooms along with a spacious showroom area all with central air and

town Winsted, the perfect spot for retail or office space. All four

Front 3,200 sq. ft. area has four offices, a conference room, his and hers forced air. Attached 20,000 sq. ft. open heated warehouse includes a bathroom and 8 overhead doors great for moving equipment around. Building

also includes 3 loading docks. This building has a prime location with high traffic frontage on Highway 55 and easy access in and out.

www.oakr e al ty m n . c om

history. Located in the heart of a very vibrant community in down-

units have long term leases. Road frontage is on high traffic Main Avenue. The building was built in 1983, has a nice brick front and offers 12,000 finished sq. ft. City sewer and water. Nice opportunity for someone looking to own multi-unit commercial building.


The Bay Club

$474,900 | #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.



Personal Storage Condominium $70,560 | #4145805

South Haven $339,900 | #4093244

Annandale $69,900 | #4129691

Chanhassen $1,500,000 | #4127518

Monticello $799,000 | #4128071

Monticello $159,900 | #4112593

Storage condo complete power, heat, 16 x 14 overhead door with opener, and 16’ side walls. Perfect for storing year-round recreational toys.

Commercial lot on East side of Annandale. Great road frontage just off busy Highway 55. Level, open lot. Nice location for any business!

Commercial lot with great potential! Located on high traffic East Broadway. Close to major retailers, hospital campus, near I-94 access.

Great location on corner of Cty Rd 2 and Hwy 55. 1,055’ of frontage, 6 acres. Quality building with in-floor heat, 2 overhead doors & more!

Turn-key auto salvage business on 5+ acres. Includes land, business, buildings, equipment and inventory. Approximately 750 vehicles.

Excellent .36-acre commercial lot, with frontage on busy Broadway Street, easy on/off I-94. High traffic. Close to hospital, large stores.

commer c ial opp ort un i t i e s

If you are interested in commercial or investment property in the greater Heart of the Lakes Area, there are a number of lots, existing buildings, and multiple-unit locations that could be a perfect fit for your new or existing business. We also represent opportunities in

larger communities like Monticello and St. Michael, where I-94 is at your doorstep. Give us a call and get set-up on a search if this is a market you’re watching.

www.oakr e al ty m n . c om


Personal Storage Condominiums $52,640 | #4146947

St. Michael $379,000 | #4184045

Annandale $99,900 | #4180337

Cokato $395,000

Monticello $799,000 | #4113007

Kimball $69,900 | #4113316

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

Numerous potential development possibilities. Beautiful .84 acre lot, in great location. 5,000 sq. ft. brick building with newer metal roof.

Excellent 1.8-acre commercial lot with easy access to I-94. Located in a busy part of town with high traffic, close to large stores and amenities.

Fantastic business opportunity! High traffic road, great visibility from 241. Pumps and canopy are removed. Near a large retail center.

Commercial opportunity in the heart of town. Great location with high foot traffic. Established businesses currently leasing. 8 units.

9 acres of commercial land on Highway 55 within the city limits of Kimball. 2 blocks from Hwy 55 & 15. City water on North property line.

i nt er e st ed i n pur sui ng r e al e stat e as a pr of e s s ion ?

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 38th year. Call 320-274-6363. 4 4


French Lake Auto Parts


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 56th year in the auto parts, vehicle recycling and car sales business. Includes: Land, buildings, business, inventory, equipment.

www.oakr e al ty m n . c om


lake maps Explore and enjoy area waters

City Park, Beach, Fishing Pier, Public Access

599 acres

3 Public Access, Fishing Pier

City of Annandale

pleasant lake


Clearwater/Pleasant Regional Park

3 Public Access

french lake 346 acres

Grassy Island

granite lake 404 acres

3 Public Access

lake john 443 acres


Public Access

3 Public Access

3 Public Access

cedar lake 790 acres


Public Access

784 acres

maple lake

Public Access


Public Access

3 1,025 acres

lake francis


Bell Point

sugar lake 1,020 acres

indian lake 3

Public Access

141 acres

Public Access


n ne l

west lake s y lv i a l a k e s y lv i a 1,573 acres

(both lakes combined)

Lake Sylvia Peninsula

Bull’s Island

3 Public Access

otter lake

3 Public Access

Bungalow Island

3 Public Access

l a k e au g u s ta 187 acres

grass lake

bass lake 227 acres


Public Access

The Narrows

c l e a r wat e r l a k e 3,158 acres


School Section Lake

Grass L Otter Lake

f a i r h av e n


Lake Caroline Lake Louisa

Lake Marie

Clearwater River

Lake Augusta

Clear La

Clearwater River

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 Dan’s Lake

Granite L North Fork Crow River

water River

Limestone Lake


Bass Lake

Sugar Lake Silver Lake

Indian Lake

rwater ake Millstone Lake

Cedar Lake

Mink Lake Somers Lake Lake Mary

Swartout Lake

Maple Lake maple lake

Albion Lake Henshaw Lake

Ramsey Lake

Lake Rock Lake

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 2012  
Heart of the Lakes Property Portfolio | Fall 2012  

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