Page 1

Heart of the Lakes property portfolio


spring 2012


Since 1974

today ’s m arket Inventory today is the lowest it has been since 2007. Sales in 2011 were consistent with the few years prior. In 2008, 92% of sales were traditional sales (meaning not bank-owned). In the first quarter of 2012, traditional sales account for only 38% of the market. In 2007, if a home

was valued at $245,000, that same home today would be worth $160,000. Foreclosures and short sales are still driving the market and have

a severe impact on today’s sales. All indicators tell us that we have bottomed out the market. According to the “supply and demand” theory, limited homes on the market would drive the price up. This should have a positive effect on increasing today’s home values. Short sales are the new foreclosure in today’s market. Lending institutions are more willing to work with the buyer in lieu of having the property foreclosed on

and then trying to liquidate. If you have questions about short sales, give us a call. We have a strong program in place to guide you through the short sale process. A recent new listing in our office was on the market 1 ½ days, it had 28 showings and ended up with multiple offers. Homes

under $150,000 are in huge demand and getting the attention of the first time home buyer. It will likely take years to fully recover home values. Looking back, I feel we have waded thought the worst part of the market and though recovery may be slow, we are in a positive market. If you are thinking about buying or selling, we’re here to guide you through this ever-changing market.

Table of Contents

[ cover photo ] Raft in Morning Fog, Pleasant Lake

l akeshore

General Contact 4



lots & l and


commer cial


l ake m ap s


Watch for these icons!

p [

- Steve (Brugge) Bruggeman, Owner

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

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

Realtor® (763) 464-2048

Interested in 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

angie wisner

Office/Marketing (320) 274-5737

amy miller

Marketing (320) 274-5737

and company function as a whole. We are the area’s oldest brokerage, now in our 38th year. Call 320-274-6363.

lakeshore luxury on area waters

Lake Sylvia

Lake Sylvia Peninsula

Sugar Lake

This stunning waterfront home sits in a pristine

Beautifully-designed home that has wonder- Wooded 5-acre lot with a thoughtfully finful upgrades inside and out. You’ll love the ished home. Lovely master suite with custom-

$1,995,000 | #4092398 bay on Lake Sylvia and encompasses 1.7 acres

of wooded privacy and 154’ of beautiful shoreline. A spectacular property with fully-finished

outbuilding, boathouse, and landscaping that is thoughtfully designed to entertain friends and family. Read more on Page 7.

$849,900 | #4061381

$1,550,000 | #4107983

spacious paver patio you can step out onto ized closet, private bath and sliding door to the from the main floor master suite. Overlook lakeside deck. Expansive rec room on upper

90’ of level, natural shoreline. Upper level loft level and fantastic storage space in lakeside and bedroom is perfect for family or guests. tuckunder garage. Walls of glass offer stunning Read more on Page 8.

lake views. Read more on Page 15.

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.

Lake Sylvia $279,900 | #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. www.oakr e al ty m n . c om


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.



Lake Sylvia

$1,995,000 | #4092398


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.

www.oakr e al ty m n . c om


Sugar Lake

$849,900 | #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?



Moose Lake $199,900 | #4115113


Beautiful year-round home with pristine views of quiet Moose Lake! 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 level

has a spiral staircase, large family room, and is a walkout. Nicely land-

scaped yard with a new paver sidewalk and boulder retaining wall. Enjoy 139 feet of shoreline, excellent fishing and recreation and the quiet and peaceful beauty of Moose Lake.

www.oakr e al ty m n . c om


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!

Clear Lake, Watkins

Somers Lake

Great investment opportunity for lakeshore! Affordable lakeshore lot

Cute cabin suitable for year-round use, on quiet Sommers Lake. En-

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

out over the lake. The home has an open floor plan, with a gas fire-

$89,900 | #4121585

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!


$169,900 | #4140177 joy a book or nap on the long deck and screened-in porch that look

place in the family room, and a walkout basement ready to be finished to your liking. Nicely landscaped with a spacious lakeside patio, a

wonderful rock wall, and steps leading to the shoreline. Make this your year-round getaway or home!


Cedar Lake $189,900 | #4114770

Lake John $263,900 | #4125771

Granite Lake $169,000 | #4118866

Clearwater Lake Access $64,900 | #4123833

Fantastic views! Four bedroom, 1 3/4 bath, 4-season cabin has an oversized double garage, nice elevated lot. Needs some TLC. Opportunity!

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 $359,900 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!

Wooded, level lot with access to Clearwater Lake. Nice, quiet neighborhood with paved streets. Access offers boat landing, swimming.

Dan’s Lake $94,900 | #4137647

Stunning 3.19 acres of privacy on a dead end road. Quiet lake to fish and swim. Gentle slope to shore. 40x30 pole building on the property.

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 on up and grab extras

for friends! Lakes Available: Sylvia, Sugar/Indian, John, Pleasant, Cedar and Clearwater/ Augusta/Otter/Grass/Bass. www.oakr e al ty m n . c om


Clearwater Lake $349,900 | #4062843

Lake Sylvia $319,900 | #4110664


Sugar Lake $145,000 | #4089303

Original 1926 cabin with screen porch, 3-season porch, 2 bedrooms and 2 garages. 148’ of beach, wooded, deep lot. Great location and views!

Lake John $229,900 | #4106163

Level lot with gorgeous sunset views, enjoy a spacious lakeside patio, 1,861 sq. ft. with 2 wood burning fireplaces. 65’ shore, 1 mile to town.

Lake Augusta $105,000 | #4136630

Bring your RV and enjoy a summer getaway! 25-acre co-op resort with fantastic lakefront. Augusta connects to 3,000+-acre Clearwater Lake!

Scenic 1.2-acre lot in quiet Northridge. 232’ of shore in Madsen’s Bay. Paved, dead-end drive, residents share a private boat launch!

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.

Lake Sylvia $475,000 | #4126137

Charming cottage on a 1/2-acre lot with 136’ of hardbottom shoreline. Enjoy beautiful views from the deck of the 12x12 boathouse!

tast e o ur awar d- w i n n i ng c h i l i !

The 10th Annual Chili Cook-Off will be held in Annandale on Sat., May 26th from 12-3 p.m. Go early, and sample recipies from participating businesses across town, then vote for your favorite. Be sure to visit our booth at City Hall Square and taste Tom’s award-winning recipe! Judge’s Choice 1st Place (‘08, ‘10 and ‘11) and People’s Choice 1st Place (‘09) 12



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

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.



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 propoerty is ready to be enjoyed.

www.oakr e al ty m n . c om


Clearwater Lake $399,900 | #4050798

Gorgeous level lot with towering trees and 135 feet of level, sand shoreline, near the “Narrows” on the area’s largest body of water, Clearwater Lake. Enjoy this mature lot with abundant shade and lush green grass. This is the perfect spot to put a dock in and enjoy the lake now and build your

dream home later. Lot size is .59 acres and has beautiful sunrise views. This is a prime lot in one of the most sought out locations on Clearwater

Lake. Enjoy 3,000+ acres of fishing, swimming and boating, along with access to two supper clubs and other lakes in the Clearwater Chain.

Clearwater Lake

$189,900 | #4043052


Henshaw Lake

$149,900 | #4104496

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

Welcome home to this 2 story country charmer. This century home fea-

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

updated kitchen with maple cabinets and a gorgeous slate back splash.

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!


tures 4 bedrooms all on one level. Enjoy entertaining with a beautiful Enjoy the breathtaking sunsets from your three seasoned porch. This 3-acre property has shoreline on Henshaw Lake and offers a peaceful

country setting with the best of both acreage and water, with a spacious home ready for the entire family.


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

gles. The hard to find level yard is ideal for games. The back lot pro-

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

$171,900 | #4101228 maintenance free with new vinyl siding and newer windows and shin-

vides additional space for tents and campers. The lake shore is sandy, hard bottom and weed free. The open floor plan and wall of windows provide a georgous view of the lake! The tongue and groove interior and vaulted ceilings give a wonderful “up north� feel.

www.oakr e al ty m n . c om

$199,900 | #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!


Lake Sylvia $254,000 | #4099734

Cokato Lake $159,900 | #4100680

Crooked/Long Lake $181,700 | #4078695

Lake Marie Deeded Access $39,900 | #3979982

Grass Lake $119,900 | #4109330

Clearwater Lake $199,900 | #4113541

Nearly 3 acres of serene and peaceful woods and shoreline on prestigious Lake Sylvia. Fantastic views, a wonderful spot to build your dream home.

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!


Charming cabin ready to move-in and enjoy. Level lot with West-facing views. Newly remodeled! Fireplace, wood floor, loft for kids, dock!

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. 18


Maple Lake $349,900 | #4031298 Great livable year round home located on one of the nicest lots on the lake. True value is in the lot and stunning lakeshore. Enjoy this move-in condition home and remodel or rebuild your dream home later. Large open

kitchen, a living room with gorgeous views, three bedrooms, great natural light throughout, and a spacious lakeside deck. Have plenty of room to

store all your vehicles and lake toys with two detached garages. This large lot is perfect for yard games or just enjoying the sunrise views. Grab your lawn chairs and soak in the sun on 150 feet of sandy shoreline!

www.oakr e al ty m n . c om


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.




5: Annandale All-City Garage Sale 26: Chamber 10th Annual Chili Cook-Off, 12-3 pm


2: Annandale’s Farmer’s Market opens (8-12 am, City Hall Square, Saturdays through Oct.) 2: Maple Lake All-City Garage Sale 8: Concert in the Park: Annandale Community Band, 7 pm (all concerts Annandale City Park near the lake, Pavilion if rain) 22: Concert in the Park: Big Toe Jam (Funk/Cover), 7 pm


June 29-July 4: Annandale’s 123rd Annual 4th of July Celebration begins. For a full list of events visit 4: Parade, 10 am - Miss Annandale Coronation, 7 pm followed by Live Music and Fireworks, City Park 8: Weber’s Deck begins (1-5 pm, French Lake, Sunday’s through Labor Day)

7: Petals and Palates Garden Tour 13: Concert in the Park: Divas Through the Decades, funded by the Legacy Fund, 7 pm 15: 27th Annual Heart of the Lakes Triathlon 27: Concert in the Park: Charlie Roth and the Honkey Tonk Healers, 7 pm


10: Concert in the Park: Trio Sem Nome (Brazilian Jazz trio), 7 pm 10-12: Clearwater Heritage Days ( 18: Maple Lake Days of Old Celebration 19: Fiddler’s Festival, Pioneer Park, 11 am - 4 pm 24: Concert in the Park: Jimmi and the Soul Band (Blues), 7 pm


9: Fly-In and 25th Annual Pork Chop Dinner, Maple Lake Municipal Airport

summer2012 in the Heart of the Lakes

residential at home in the country

South Haven


Beautiful three bedroom, two bath rambler

Super clean with updates galore. Newer roof, Secluded home set on 2 heavily wooded acres at

hood. Ready to move in! Wooded, 1-acre lot,

remodeled. Oak cabinets, oak trim and doors. home includes 5 bedrooms, 2 baths, knotty-pine

$229,900 | #4096586 with a courtyard entrance in a quiet neighbor-

wrap around deck, vaulted ceilings, sky lights, very well maintained. Paved cul-de-sac. Easy accesss to I-94/Clearwater.


South Haven

$158,000 | #4118522

siding, windows, carpets, kitchen completely the end of a half-mile driveway! This 2,264 sq. ft. Everything on one level in this 3 bedroom, 2 in the living room, sliding glass door to a deck

bath, 2-car garage. Additional single detached that takes in incredible views of the surrounding garage. Enjoy a hot tub, deck and patio!

wilderness. 3 miles to South Haven.


$279,900 | #4115693


Remarkable home on the 2nd fairway of Southbrook Golf Course. Walk in to a main level drenched in sunlight with walls of glass throughout this spacious open concept home. Beautiful colors and finishings throughout include custom maple cabinetry with an abundance of storage, 6-panel

doors, 9 foot ceilings, two gas fireplaces, and tile floors. Get away from it all in your private master suite with huge walk-in closet, views of the course

and a private bath with whirlpool tub. Entertain with ease in an open kitchen with beautiful cabinets and spacious pantry. The dining room is surrounded by walls of glass and walks out to a large balcony perfect for grilling. A living room with see thru gas fireplace flows into a sun room that

walks out to a course side balcony, perfect spaces for large gatherings. The lower level boasts an office, exercise/utility room, entertainment area, family room with gas fireplace, 3rd bedroom, 3/4 bathroom and walks out to the patio with views of the fairway. This is truly a course side dream home.

www.oakr e al ty m n . c om


Maple Lake

South Haven

$494,900 | #4136155

$229,900 | #4072136

Enjoy this original farmhouse, with well kept outbuildings on 80

Impressive three bedroom, three bath country home situated on 3.46

New kitchen flooring, great 14x14 4-season porch with windows all

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

acres! Property is neat and tidy, pride in ownership shines through! around, and walk out to a 14x14 deck. Some wooded acreage, good for hunting. Beautiful views from the home, just a few miles outside

of town. Ideal hobby farm! Still holds another building entitlement.


$159,900 | #4128015

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.



$159,900 | #4050991

Lovely country home set on 2+ acres of mature landscaping. Enjoy

New home to be built in Kimball’s newest development, Heritage

spacious living room with new carpet and large windows with spec-

located just Northwest of the Highway 15 & 55 intersection in

one level living with three bedrooms and two baths. Relax in the tacular views. Nice appliances, all included. Fall in love with a huge

private backyard, perfect for entertaining or just spreading out. Pick

up a hobby or have extra storage with an 18x12 shed. Home was built in 1988. This is definitely country living! 24

Park of Kimball. Learn about this “green” concept neighborhood, Kimball. All lots are oversized, and offer views of Powder Ridge as

well as an easy commute to St. Cloud. Move-in in 60 days! Call to take a look at this floor plan in person and customize a brand new home.


Clearwater $199,900 | #4086736 p[ 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 feel 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

www.oakr e al ty m n . c om


Annandale $249,900 | #4120370


Beautifully built 4-level split, ready to entertain! Tastefully landscaped yard, maintenance-free deck and paver patio. Nice, neutral interior!

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 $349,900 | #4132900


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

Watch Property Trailers on

When you see this symbol

Buffalo $129,000 | #4101212

Clean home with lots of potential! Beautiful backyard with storage shed, firepit and playhouse. Join Pulaski Shores and enjoy the lake!

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 $109,900 | #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!

[ next to a property description, it means you can view a Property

Trailer for that home on our YouTube Channel! Visit Or

if you’re looking at the digital version of our portfolio, go ahead and click on the icon. It will take you directly to that property’s trailer. They are a fun way to take a tour. Have you seen one yet? 26



$117,400 | #4101844

South Haven

$249,900 | #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.

www.oakr e al ty m n . c om

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!



$239,900 | #4110026


Gorgeous patio home on the 9th fairway in

gatherings. Cozy up to the gas fireplace in the

level that is perfect for a hobby room (and

Home was built in 2002 and specifically

ings and sliding glass door to the golf course

Southbrook Golf Course development is con-

the Southbrook Golf Course neighborhood. designed with stunning views of the course

from the family room, living room, porch and patio. With 1,880 finished square feet, this

home is wonderfully comfortable for a couple

and offers plenty of space for family visits and


living room and enjoy beautiful vaulted ceilside patio. The spacious master includes a

large walk-in closet and private master bathroom with tile floors and heat lights. Enjoy

abundant space with an extra large lot that

includes an additional half lot and a lower

a place to retreat to during summer storms). veniently located just outside Annandale city limits close to schools, shops and parks. There are also walking paths around the develop-

ment and leading into town. This is truly one level living with extra space for everyone.


Annandale $239,900

Annandale $164,900 | #4098924

Maple Lake $149,900 | #4119441

Kimball $239,900 | #4120974

Revamped country home, new foundation, windows, siding, roof and interior. 2.5 acres, backs up to golf course. Heated workshop w/studio.

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

Clearwater $99,900 | #4100166

Three bedroom home in a great location, on a nice corner lot with a park across the street. Newer updates to roof, windows and furnace.

Huge split-entry with fenced yard, party deck and patio. Five bedrooms, including a master suite with spacious bath. Golf course community.

Enjoy the quiet country life on this 2.5-acre lot, in Kimball City Limits. Gas fireplace, 36x48 pole building, 3 decks to enjoy the views.

Maple Lake $69,900 | #4113490

Clean unit, ready to go. Patio, spacious interior, and indoor access between your unit and your heated garage. Close to amenities in town.

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! www.oakr e al ty m n . c om



$349,900 | #4087991



$119,900 | #4138496

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

Huge corner lot in Watkins with a well-maintained, tri-level home.

appliances, wood flooring, granite countertops in kitchen and bath-

room to play in, and there is a new patio on the side of the house.

of Annandale. Home boasts 2,842 finished sq. ft., with stainless steel rooms, a private master suite, vaulted living room with a gas fireplace, in-ground swimming pool with huge patio that is great for entertaining, play house, and a pole shed with office, just to list a few! Truly a home the entire family will enjoy.


The basement has recently been completed, adding a huge family Heated garage. Three bedrooms, upgraded appliances, lower level bath

with jacuzzi tub and custom kitchen cabinets. Maintenance free exte-

rior and ledger board there for a future deck. This is an ideal location, just 1/4 mile off of Highway 55. Playset negotiable!


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!

$89,900 | #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

South Haven


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

$299,900 | #3903363 City Limits of South Haven. (2 building eligi-

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


Silver Creek


Private country lot! 1.5 acres, with mature

Private, 3-acre country lot, perfect location for

Fantastic 10-acre property with 1 building

to build your new home. On a quiet road.

views. Located on a quiet, dirt road.

nearby. Rolling hills, woods, wildlife!

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

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

$74,900 | #4051116 entitlement. Peaceful area, with access to I-94


Silver Creek

Heritage Park of Kimball

26 Twinhome lots in the new Heritage Park of

Rolling 3-acre parcel near Silver Creek, nicely

28 oversized, single family lots available in this

and gutter are in. Views of Powder Ridge!

ful setting to build your new home!

Ridge. Quick commute to St. Cloud!

$399,900 | #4067353 Kimball development. Utilities, blacktop, curb

$59,900 | #4039249 wooded with a pond on the property. A beauti-


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 $29,900 your new home! Beautiful trees mark the corner

From $54,900

Excellent Contract for Deed terms, low down

$49,000 | #4120820 Cty Rd 6 and 70th. 2 miles to town. Great

South Haven

Southbrook Golf Course, Annandale

25+ Acres, Clearwater

Lot with views of Lake Marie. Includes 2 stor-

Beautiful building site on the 4th t-box and

Prime acreage, ready for investors, developers,

screened porch. Affordable weekend getaway!

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

is wooded. Property can be split.

$39,900 | #3979982 age sheds, 8x28 Dutchman RV with 12x24 32

$49,900 | #4058901

fairway at Southbrook Golf Course. Large lot

$134,900 | #4043252

or builders. 1 mile from I-94. Approx. 8 acres


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.

$189,900 | #4112208

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

Lots from $18,900

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

$34,900 | #4112590 secluded location to build your new country

Hunter’s Path, Annandale

Maple Lake

Views of Lake Sullivan

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

Beautiful 3-acre country lot. Mature parcel per-

Privacy is yours and beautiful views. Heavily

1-acre. Neighborhood of quality-built homes.

looks a pond, located on a quiet road.

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

$59,900 | #4017357

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

$59,900 | #4039249 fect to build your dream home on. Lot over-

$39,900 | #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!

$148,900 | #4112207

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

$360,000 | #4056537 woods and water. Keep it to yourself or split into

Lake Marie Access

$9,000 | #4140657 buildable. Ingress and Egress to Lake Marie.

Market Retreat Limestone Trails



Four lots available at Limestone Trails. Large

13 acres of bare land on the West side of the

Build your dream home on 40 acres and enjoy the

outlot and lake access. Ideal for nature lovers.


preserve. Prime land, bordered by county roads.

From $44,900

acreage lots with mature trees, trails, 25+ acre

$89,900 | #4112103 city limits of Kimball. Currently leased for ag-

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

93 Acres, South Haven

Cedar South, Clearwater

9+ Acres, Clearwater

Rolling farmland bordering the city limits of

Oversized city lots in a great neighborhood

Rolling acreage with spectacular countryside

age on Hwy 55. Pond in the NW corner.

Lots are 1 block from the park.

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


South Haven. Two building eligibilities. Front-

From $19,900

with easy access to St. Cloud or the metro.

$89,900 | #4123797

views and wildlife. Area of newer, prestigious


Market Retreat, Annandale

Maple Lake

From $65,000

$499,900 | #4125515

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

Large country lots located between Annandale

Picture your dream home on a 76-acre recre-

to be determined by new survey.

Close to Hwy 55, town, and golf course.

hills, one of the highest points in the area!

$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

ational paradise! Overlooks lakes and rolling 33

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 location on busy Broadway

foot traffic makes this a great location for of-

Currently leased until November 2012. Many hospital campus, Super Target, Home Depot

$45,900 | #4114092

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!

$179,900 | #4102119


$549,900 | #4113784

for a small business or general office space. Street. Approximately 1 acre, close to schools, possibilities for current building or tear down and many others. Just a few blocks from (and

and start new. Large lot with room to expand. visible from) the I-94 on/off ramp, making

Corner location just a few blocks from down- this an ideal location with high traffic and town Annandale.

good exposure.

Highway 55, Annandale $599,000 | #4128533 Great opportunity for a single business or multiple businesses. This

large building offers a front area with 6 offices with central air and forced air, along with a spacious showroom area. Attached is a 17,922

sq. ft. open warehouse with several overhead doors great for moving equipment. The building also includes loading dock and outdoor

fenced-in storage area. Lot size is 2 acres, with a front lawn and abun-

dant parking area. This is a prime location with high traffic Highway 55 frontage. Bring your business to the Heart of the Lakes!

Maple Lake

$399,900 | #4056645

St. Michael

$399,900 | #4121143

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

Fantastic Business Opportunity! Located along the main road in St.

possibilities for this commercial facility are unlimited! Office building has

business here, with great visibility from 241! Easy access to I-94.

on four acres with easy access to Highway 55. City sewer and water. The

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.

www.oakr e al ty m n . c om

Michael, this property is located on a high traffic road! Bring your Previously an Oasis Market gas station, but the pumps have been

removed. The tanks will be removed, along with the canopy. Located near a large retail center, and many other commercial businesses. Call for more details. Bring your buyers to this great property!


The Bay Club

$599,000 | #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.



South Haven $349,900 | #4093244

Monticello $159,900 | #4112593

Annandale $69,900 | #4129691

Chanhassen $1,500,000 | #4127518

Monticello $799,000 | #4128071

Winsted $285,000

Commercial building on Hwy 55/Cty Rd 2. 1,055’ frontage, 6 acres, 4,704 fsf building. Full footings/foundation, in-floor heat, well & septic.

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.

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

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

Commercial opportunity in Winsted. Four units. New roof and 5 a/c units in ‘07/’08. Good long-term businesses. Separate utilities.

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

Highway 55 $199,900 | #4101681

Annandale $109,000 | #3865254

Cokato $419,000 | #4093127

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.

Parcel has 675’ of frontage on busy Hwy 55. 3.5-acre lot has few limitations. Excellent visibility. Development coming soon on South side.

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. 40


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

509 acres

3 Public Access, Fishing Pier

City of Annandale

pleasant lake


Clearwater/Pleasant Regional Park

3 Public Access

french lake 332 acres

Grassy Island

granite lake 339 acres

3 Public Access

lake john 411 acres


Public Access

3 Public Access

3 Public Access

cedar lake 837 acres


Public Access

777 acres

maple lake

Public Access


Public Access

3 921 acres

lake francis


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

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


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 | Spring 2012  
Heart of the Lakes Property Portfolio | Spring 2012  

Real estate opportunities in the scenic Heart of the Lakes area of Annandale, Minnesota offered by Oak Realty, the areas oldest brokerage. N...