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Heart of the Lakes property portfolio


spring 2010


Since 1974

Greetings! We had an overwhelmingly positive response to our first edition of our Heart of the Lakes Property Portfolio. Thanks for all the support; it’s nice to know we are on the right track. By now most of the docks are in, lawns are mowed for the first time this year, golf clubs dusted off. Spring is here and good local fun begins! Swappers Meet is open, fishing season is near and the great chili cook-off is just around the corner. We are so blessed to spend our time in such a beautiful area.

Both of our offices, in Annandale and Maple Lake, are staying busy. We feel like we have a good handle on the current local market. Our

sales are up from this time last year 22%. The early spring might be a part of that. Sure home prices are down, but the market is still full of bargains making it a great time to buy. Remember that old saying: buy low and sell high… well, this is a good time to make a move.

This is our 36th year in business. Curious about selling? We would be happy to educate you on the current market conditions. If you haven’t

already, submit your name and email at and have the digital version of this publication sent to your Inbox. Again,

enjoy this issue and let us know if you are ready for us to market your property.

Table of Contents lakeshore

- Steve (Brugge) Bruggeman, Owner

General Contact 4

annandale office




lots & land


maple lake office



area map


p [

ta k e a v i rt ua l to u r wat c h a p r o p e rt y t r a i l e r

Find us on Facebook! [ cover photo ] Morning light and fog, Pleasant Lake

320.963.2088 by email online

Visit our YouTube Channel

The Oak Team

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

Associate Broker Broker, Realtor® (320) 980-2445 (320) 274-5737

dean hoglund

gary dagner

mike mcnellis

carla sundblad

justin wisner

charlene wurm

t o m g ay

amy mcnellis

tiffini kiebel

angie wisner

amy miller

Realtor®, gri, wcr (320) 493-1361

Realtor® (763) 464-2048

Realtor®, gri (612) 226-6649

Office/Marketing (320) 274-5737

Realtor® (612) 759-0631

Marketing (320) 274-5737

Realtor®, gri (320) 309-1739

Realtor® (320) 492-1641

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

Realtor® (612) 963-4190

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10 Acres, Pleasant Lake

$499,900 | #3861667


Breathtaking secluded country log home on 10 wooded acres. Enjoy a great open floor plan with 5 bedrooms and 3 bathrooms, perfect for a large family. Have a little extra privacy in your main floor master suite with a walk-in closet and private bath. A spacious kitchen has everything you are looking for including a center island and built-in phone desk, computer ready. Fall in love with amazing views from every corner

especially in the living room and lofted family room. Enjoy the Fourth of July fireworks and spectacular views from your gorgeous log deck. Perfectly landscaped yard with lovely walkways and mature trees that offer amazing privacy. Keep costs down with an energy efficient home

including an outdoor wood furnace and heat pump. Huge lower level walk-out is unfinished and ready to be turned into a great entertainment area. Enjoy 450’ of Pleasant Lake shoreline, privacy and seclusion yet town is just a mile away.



Lake Sylvia

$974,900 | #3891833


Packed full of upgrades, this exquisite Lake Sylvia home was dea vaulted great room with wet bar, adjacent gourmet kitchen and

large dining area. The full upper level has a family room with fireplace, large office area with glass railing, bedroom, den and two

small decks. Fantastic lower level recreation room with bar, bath

and storage. Stunning master suite with fireplace, jacuzzi tub, and huge walk-in closet with a vanity. Enjoy spectacular views from numerous lakeside decks, and 95’ of beautiful shoreline.

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signed to relax as well as entertain. Spacious living areas include

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Cedar Lake $674,900 | #3897952 Spacious lake home with 100’ of shoreline. Gorgeous wood floors, beautiful kitchen, built-ins throughout, huge wrap-around deck. Must see!

Lake Francis $224,900 | #3902067 Ready to use getaway on 60’ of clean and quiet shore. Year-round, single bedroom cabin, 2 decks, large back lot. Great view, level lawn at lake.

Lake Sylvia $599,000 | #3923153 A beautiful view and 136’ of pristine shoreline - yours! Boat/bunkhouse with large deck overlooking the lake. Lot is approximately .5-acre.

Turtle Bay (Clearwater Lake) $279,900 | #3883595 Walkout rambler with large, wrap around deck to enjoy the view. Private, treed lot with 2 detached garages. Connected to Clearwater Lake.


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Mink Lake $174,900 | #3594199 Charming seasonal cabin with many updates in 2008: new roof, siding, well/septic. Newer windows, bath, stove, water heater. Fully-furnished!

Silver Lake $154,900 | #3853637 Great cabin on nearly an acre wooded lot. Detached 2-car garage, 12x28 deck, enjoy sunsets with west-facing views. 109’ of excellent lakeshore.

Pleasant Lake lot $399,000 | #3676574 Build your dream home on this level, nicely treed, 2.3-acre lot. Great location, just a few miles North of town. Sunrise and sunset views!

Lake Sylvia $499,900 | #3919674 Very private 3/4-acre lot with 190’ of shoreline. Oversized newer double garage, old cabin on the property, plus boathouse at the water’s edge.

Crooked Lake $389,900 | #3698068

Built in 1998, this beautiful lake home is set on a mature lot

with 100’ of lakeshore. It has tons of fantastic features including vaulted ceilings, gas fireplaces, hardwood floors and a fabulous 3-season porch. The lower level has a billiard room and 11x14

hobby room that could be used as a non-conforming bedroom. Maintenance free siding and in-ground sprinkler system. Over 3,000 finished sq. ft. Stairs lead to the lake where fishing, fun, and relaxing times await!


Lakeshore ear ly spr ing 2010 |

$649,900 | #3837583


A magical lakeshore getaway hidden in the trees on 76’ of beautiful sandy Clearwater Lake shoreline. A retreat for the whole family and

a haven for the kids with separate spaces for everyone in a central carriage house, play house, garden/tool shed and cabin overlooking the

lake. Wander through trails in the woods, and along lush landscaping that surrounds the home. Four bedrooms offer room for all of your guests. Enjoy privacy with a well maintained yard with gravel walkways and a private driveway lined with mature trees. The home is unseen from the road. Hot tub with lake views and sunsets across the area’s largest lake. At 3,000+ acres, Clearwater is well known for excellent

fishing, quiet bays, and the space to head out on the lake for the day and never see the same area twice. Back on shore you have one of the

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Clearwater Lake

nicest beaches around. This one of a kind home is a blend of the present and the past, and is ready for you to be its future!

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Lakeshore ear ly spr ing 2010

Lake Sylvia

Lake Sylvia

$349,900 | #3652377

$529,900 | #3872140

Scenic lot in the quiet Northridge Addition on beautiful Lake Syl-

This completely remodeled year-round home is on the shoreline of

the lake. Build your dream home in the trees overlooking 232’ of

12x16 side deck. The interior features a beautiful new fireplace, new

via. A 1.2-acre, wooded parcel with spectacular hillside views of shoreline in Madsen’s Bay. Serene, dead-end drive makes this an

ideal location for total relaxation and an escape from everyday life! Northridge residents also share a private boat launch.


premiere Lake Sylvia. Enjoy the summer days on your 10x28 deck or Maple cabinets, tile floor, an updated kitchen, upper level loft that

overlooks the living room and so much more! Beautiful views and spectacular boulder landscaping complete this waters edge retreat.

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French Lake $498,900 | #3858926


Luxurious home with 142’ of shoreline, four bedrooms and three

bathrooms. Spacious floor plan with a master bedroom that fea-

tures sliding glass doors to a 13x64 stamped concrete patio with

an amazing view. Enjoy a master bath with jacuzzi tub, large walk-in closets and all the extras. Fabulous custom kitchen with granite counter tops, walk-in pantry, center island. Too many upgrades to name them all! Beautifully landscaped, this is a perfect private lakeshore setting.



Lake Sylvia

$849,900 | #3912095


The perfect summer getaway or year-round home! Two bath-

lower level. Beautiful knotty pine throughout the home provides a cabin feel. Entertain and dine in a great kitchen with a break-

fast bar and a huge formal dining room with amazing lake views. Step out to a wonderful wrap-around deck. The lower level boasts

a spacious family room, entertainment room, ¾ walk-through

bathroom and a newly remodeled master bedroom. Spacious patio, 100’ of sandy hard bottom shoreline, and a huge beach.

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rooms, four bedrooms and tons of living space with a walk-out

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Sugar Lake $799,000 | #3835379


Lake Sylvia $699,900 | #3911771

Gorgeous 1 1/2 story distinctive brick home. Lovely vaulted foyer

Spectacular full walkout chalet with breathtaking views from the

ings, glass doors with balcony, walk-in closet, can lighting, French

sand beach and 4 acres of privacy. Inside you’ll find vaulted ceilings

and marble floors. Amazing master bedroom with vaulted ceildoors, sitting area and private master bath. Level lot with boulder

landscaping, large stamped concrete patio and 131’ of great lakeshore. Spacious triple garage with oversized tuck under and heated floors.

wrap around deck. Enjoy swimming, fishing and boating, 100’ of

and maple wood floors, large upper bedrooms with walk in closets and French doors leading to a deck with more great views. Beautifully landscaped yard with gardens and cobblestone walkways.

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Lake Sylvia

$1,298,000 | #3620987


This spectacular home on Flannery’s Bay exhibits a gorgeous selec-

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tion of materials, luxurious accents from doors to lighting, and an incredible attention to detail throughout. From a lofted master suite that overlooks a stunning, 2-story Great Room with a wall of glass

facing the lake, this property will impress inside and out. Spacious rooms including a gourmet kitchen, executive office, and a wine storage room will leave you speechless. There is always room for

company and space to entertain. You’ll treasure the wooded backyard and quiet shoreline on one of Annandale area’s finest lakes.

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Lake Sylvia

$1,195,000 | #3847173

This unique copper timber framed home is


lighting, tile and wood flooring, and slate

perfect for the whole family with four bed- counter tops. Entertaining is made easy with

mature trees and a spacious flagstone patio. Watch the seasons change on your very own

rooms and three bathrooms. The spectacular a spacious lower level including huge bed- rounded deck overlooking the lake. There is custom architecture including vaulted ceil- rooms, bathroom and a recreational area with

an idyllic cove in the shoreline, a perfect area

ings and a beautiful wall of glass will take

an abundance of lakeside windows. Retreat

home with all the extras including a central

vent for all of your outdoor cooking during the Lakes with 97’ of premiere Lake Sylvia

your breath away. You can finally have a

for kids to play in the sand or picnic along-

to a three season porch with an overhead side the water. Enjoy the best of the Heart of

vacuum system, ceiling fans, an energy ef- those calm summer nights. Take a walk out- hard bottom lakeshore. ficient geothermal heating system, specialty side and enjoy amazing boulder landscaping,

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Sugar Lake

$429,900 | #3674943

p[ ing, or a garden shed. Just north of Maple

was built in 1974 and has a gorgeous wa- tertaining on those rainy or hot summer

on 1,015 acres of sparkling water with 8’

water, and 80’ of shoreline with water that

hanging on your wall? Get your gear ready,

Lake! This beautiful, three bedroom home with a large recreation area, perfect for en- Lake, Sugar Lake offers ultimate recreation terfront and view. Ideal level yard along the

days. Grab your morning coffee and enjoy clarity. Looking for that prize fish worthy of

is crystal clear. Set on a quiet, end of the

bonfire on a clear and calm July night at the

road lot, this home boasts two fireplaces, a

the views from your lakeside deck or build a

Sugar Lake is Wright County’s only Muskie

water’s edge. Need a little more room? The lake! Maple Lake School District.

basement kitchenette, a new 10x32 lakeside septic system is located on an extra lot across deck, beautiful mature trees and fabulous the road, offering more space for play, park-

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A sweet opportunity on well-known Sugar landscaping. The basement is fully finished

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Lake Francis $650,000


This elegant home was designed for lakeshore living. High qual-

ity craftsmanship is visible throughout, with no detail overlooked. Take in the view of your shoreline from a wall of glass. The great room is sure to impress with a stunning two story fireplace and wood vaulted ceilings. With spacious room sizes that include

walk-in closets and a separate guest cabin with a full kitchen, you will be able to invite the whole family to stay the weekend. Stun-

ning paver brick patio and fire pit by water’s edge truly makes this home everything you are looking for in a waterfront home!

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Lake Sylvia

$649,900 | #3898962


Beautiful lake home with amazing views of Lake Sylvia. You’ll

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love the vaulted ceilings and wood burning fireplace. Spend re-

laxing evenings in the sauna, three season porch, hot tub or on one of the many decks. Entertain with a wet bar and living area

on the lower level. 24x24 detached garage with new door and bunk house, plus 12x20 boat house. Beautiful lakeside lawn, and

145’ of sandy lakeshore, perfect for swimming or just catching a

tan. At over 2,600 finished sq. ft., this will be a home everyone can relax in and enjoy.

| w w w.oakr ealt y French Lake

French Lake

$299,000 | #3912024

$219,900 | #3908648

Come home to 150’ of level shoreline on 335-acre French Lake.

Sunrise and sunset, you get them both with this property. 300+ feet

Large lakeside deck with sun awning, and multiple sliding glass

fect for gathering with family and friends. Two large lakeside rooms

Ideal North shore location with cool breezes all summer long. doors to the deck. Spacious and level front yard with loads of elbow

space for kids or pets play. Lot size is 1.2 acres. Nice storage shed

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for easy access to all of your water toys and yard tools.


of level shoreline ready for fun! Large lakeside entertaining area perwalk out to a large deck. Living room has a cozy, wood burning fireplace. All living facilities are on one-level! 1+ acre to play any type of outdoor activity. A great lakehome to make lasting memories.

$189,900 | #3922668 It’s a little slice of heaven! Beautiful level lake lot with 75’ of sandy beach. Hard bottom, perfect for all water activities. Lush green

grass and several mature trees for just the right amount of shade. Enjoy a screened porch, maintenance free decking and glorious

lake views. Park Model is like brand new, completely furnished, equipped with gas appliances, furnace and central air conditioning.


Bathroom has customized cabinets for additional storage.

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Lake Augusta

110 Star Street, Maple Lake Open 7 Days a Week (320) 963-6660


Under the Water Tower!

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Cedar Lake

$429,900 | #3917508


Step on in to your very own secluded Cedar Lake home. Enjoy a main floor bedroom and lofted master bedroom with a master

bath. This home has 3 bathrooms all having great tile or marble

floors. Grab your morning newspaper and enjoy the breeze on a spacious 10x24 screened porch and connected 12x10 deck. Home

has over 2,300 finished square feet. The mature, level yard has

plenty of room for your summer get-togethers. With 93’ natural shoreline there is nothing left to wish for!

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Lakeshore p

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French Lake $199,500 | #3895260 One level living at its finest! Spacious floor plan with hardwood floors and tile, huge master with gas fireplace. Vaulted family room.

Clearwater Lake $299,900 | #3900156 Charming seasonal cabin on the water’s edge. Brand new siding, nice wrap-around deck, stone fireplace, master with sliding glass door.

Clearwater Lake $215,000 | #3909502 Updated, neat and clean year round home on the West end of the lake. Room for all to play, fish, relax. Walk to bait shop and 2 supper clubs.

Lake Minnie Belle, Litchfield $420,000 | #3676217 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!

Grass Lake $144,900 | #3877288 Great 3-season cabin with resort amenities incl. beach, docks, outdoor pool, 17-acres of common grounds. Updated interior & exterior.

Cokato Lake $159,900 | #3856386 Alluring building lot with gentle slope to 539-acre Cokato Lake. 150’ of lakeshore. 45 minutes to the Metro. Stocked with walleyes in 2008.

Silver Lake $359,900 | #3849647 Excellent 3 bedroom, walkout rambler with two bedroom apartment. 2+ acre, wooded lot on the lake. 200’ of sandy shore! Two heated garages.

Mink Lake $95,000 Over a half acre lot on Mink Lake. Level, with 105’ of lakeshore and mature trees. 300 sq. ft. cabin on the property.

Residential ear ly spr ing 2010 |

$1,489,000 | #3838869


Retreat to comfort and luxury in this breathtaking timber frame farmhouse nestled into six acres of pristine nature. Everything you love about country and the elegance you wish for, comes together in this four bedroom, four bath home. Thoughtfully finished from floor plan to selections

in hardware, it is a family home, an entertaining home, and welcoming home! Relax in an expansive main floor great room with vaulted timber

frame ceiling and antique white oak plank flooring. The custom fireplace is breathtaking and creates a unique entrance to the master suite. Entertain in a fabulous gourmet kitchen and lower level entertainment room complete with wet bar and theatre. Rest and rejuvenate each morning and evening with views of your scenic backyard. Acreage offers room to walk, run, and play. Built in 2006 and set at the end of a cul-de-sac in

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Timber Frame Farmhouse, Buffalo

the Mill Creek Ridge addition, the property is 45 minutes from the Twin Cities, and has quick access to two municipal airports.

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Residential ear ly spr ing 2010

Pintail Ponds

A first of its kind development in the Annandale Area


Bring your ideas - Your own builder!

Hwy 55

Each and every BayHome model given a price reduction.

BayHome and Single Family Lots available.

Ask about Contract for Deed options!

Excelsior/ County 5

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New & Improved Pricing!

Downtown Annandale

Ash St.

Pintail Ponds



Dassel $159,900 | #3910802 Great location on a large corner lot. New development on the edge of town. Well cared for with modern updates and wood floors.

Not actual home. Similar as pictured.

$155,900 New construction in Pintail Pond’s single family residential area! Split-entry style with a grand exterior appeal from the road. Two

bedroom floorplan with an unfinished bonus room - your spacious, future master suite, recreation or hobby room. A great design, new to the area. Models in other price ranges available. Call to learn

more about this exciting new development located just South of


town on County Road 5.

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Annandale $144,900 | #3859204 Wonderful three bedroom home on nearly a half acre in town. Backs up to acres of lawn and wetland, walking distance to all three schools.

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South Haven $269,900 | #3856042

Nestled perfectly on 5.6 wooded acres, this picturesque modified

A-Frame is in immaculate condition. Many fantastic features in-

cluding a vaulted ceiling, wood burning fireplace, pergo flooring,

updated kitchen with cement counters and knotty pine cabinets, private master suite, and a loft with wet bar and built-ins. Brick

paver patio wraps around the exterior of the house. Enjoy a lovely garden with relaxing waterfall and pond. This ideal setting is be-

tween Annandale and Clearwater, making it a quick trip to St. Cloud and easy access to I-94.

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Maple Lake $149,900 | #3919825 Your new home is under construction on this large city lot! Choose flooring, paint colors, appliances! Close to amenities. Floor plan in office.

South Haven $315,900 | #3858659 New home to be built in the Meadows of South Haven. Walkout rambler, nice 3 acre lot, 1,860 finished square feet on the main level.

Annandale $425,000 | #3922056 Walkout rambler on 30 densely wooded acres that adjoins Stanley Eddy County Park. Nice 4-season addition. 21x8 horse shed with fenced area.

Annandale $214,900 | #3921039 Spotless country home on 2 acres. Five bedrooms, spacious kitchen, 3-season porch, large laundry room. Great wooded yard. Near Sylvia.

Maple Lake $99,900 | #3596713 Three bedroom rambler in the heart of town. Nicely wooded lot, just 2 blocks to downtown. Walkout lower level. Great backyard for kids!

Maple Lake $144,900 | #3865174 Townhome living with the feel of the country! One level, with master suite, open living area, patio overlooking a pond, oversized garage.

Kimball $159,900 | #3683696 New home to be built in Heritage Park of Kimball. Learn more about this new development by visiting

Annandale $399,900 | #3909228 Wooded haven! Custom built home on 10 acres. Huge 30x36 heated garage plus 30x44 pole shed. Fantastic patio, porch, fire pit!





Annandale $389,900 | #3860440 Country home surrounded by 5 acres of mature woods. Five bedrooms, 3 baths, master suite, 2 gas fireplaces, great deck. 64x40 pole building.


Annandale $164,900 | #3867860 Four bedroom home (three on one level), with vaulted ceilings, finished walkout basement, open floor plan. Southbrook neighborhood!


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Annandale $94,900 | #3914492 Great three bedroom rambler, bedrooms and laundry on main floor. Newer windows, huge 3-car garage, city walking path goes right by!


Kimball $199,900 | #3881474 Lovely country home on almost 2 acres. Spacious kitchen, walkout to huge backyard deck from dining room. Mature lot, mostly wooded.

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South Haven $99,900 | #3844951 Great 1-acre building lot with views of Lake Caroline. Quiet, dead-end road. Well and septic in. Large garage/shop already on the property.

Clearwater $139,900 | #3885030 Newer, well cared for end unit townhome with fantastic view. Nice deck, insulated garage. Carefree living awaits! Great location for commuters.

27 Holes of Championship Golf

Pro Shop 320.963.5500

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Residential ear ly spr ing 2010

South Haven $265,000 | #3841660



$324,000 | #3821892


Classic country 2-story on 2.7 acres. High ceilings, gas fireplace,

Custom built rambler with a country setting. The stamped concrete

open kitchen. A must see, well maintained and ready to move right

lower level allows you to host the big games and entertain. Master

large master suite with luxury bath, informal dining attached to in! Shared amenities includes dock on the Clearwater River, and large outlot. Basement is framed and ready to be finished. Commercial lawn mower and rainbow play set negotiable.

walk welcomes you as you enter this elegant home. The spacious

suite includes whirlpool tub, walk-in closet and private deck. Have

plenty of room with an oversized 3 car attached garage. Walking distance to Whispering Pines Golf Course and Cedar Lake.

| w w w.oakr ealt y Clearwater

$259,000 | #3909511

$349,900 | #3897386

Spectacular, quality-built home in a quiet neighborhood in town.

Sprawling country rambler on one acre that will impress you from

warmly invite you in. Formal and informal dining rooms, wonder-

Open floor plan on both levels to enjoy massive entertaining spac-

From the large foyer to the spacious living room, this house will ful 4-season porch, and plenty of room for family and friends. Un-

finished basement is ready to expand your living space. Beautifully landscaped yard, nice mature trees, large deck to enjoy.

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every corner. Stone fireplace brings the main level all together. es. 4 bedrooms, 3 bathrooms and 3,700+ finished sq. ft. Wonderful

wrap around porch. With many extras, this home is sure to impress! Great access to major commuting routes, a perfect location.


South Haven

$154,900 | #3882014

$499,900 | #3896449

Spacious 4-level in a great neighborhood. Large master suite

Breathtaking country home nestled in the trees on 10 acres. Enjoy

throughout kitchen and dining room. Approximately 2,000 fin-

a 36x56 pole building will accommodate all your toys. Two-story

with walk-thru bath. Game day family room. Laminate flooring

ished sq. ft. Ideal lot in the development just one block from the community park! Great location in Clearwater for commuters to St. Cloud or the metro with easy access to I-94.


abundant wildlife from a huge deck. A triple attached garage and vaulted ceiling and spectacular windows capture every sunrise. Along with 5 bedrooms, 3 bathrooms and separate lower living quarters there is plenty of room for the whole family!

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Not actual home. Similar as pictured.




$179,900 | #3887421

New construction in Pintail Ponds! Split-entry style with a grand

Beautiful three bedroom, two bathroom home in the Southbrook

finished sq. ft. You’ll love the master suite with walk-in closet, and

ings. The dining area has a sliding glass door to the deck which

exterior appeal from the road. Three bedroom floorplan with 1,340

private bath. Full basement ready to be finished. A great design, new to the area. Models in other price ranges available. Call to learn more. Pintail Ponds is just South of town on County Road 5.


Golf community. Featuring an open floor plan with vaulted ceiloverlooks a pond. Huge lower level family room has ample space

for family activities. Over 2,000 finished sq. ft. Beautifully landscaped yard with in-ground sprinkler system.

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Residential ear ly spr ing 2010

T Heritage Park of Kimball n A development with the Future at heart n Rain Gardens, A beautiful solution to water pollution n Parks and Paths to enjoy together n Easy access to skiing, golfing, boating, shopping n Bring your ideas - your own builder or use one of ours n Oversized City lots starting at $29,900 n Single Family and Twin Home Lots Available

| Downtown Kimball

Hwy 15

4to St. Cloud

Hwy 55

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Heritage Park of Kimball

For More Information, Contact

to South Haven, Annandale 6

Carla Sundblad Realtor速, GRI, WCR (320) 493-1361

Gary Dagner Realtor速, GRI (320) 309-1739


Cedar Lake Views $209,000 | #3534249 Walkout rambler on scenic lot overlooking the lake. Deeded access just down the road. 3 main br’s, newly remodeled baths. 36x40 pole shed!

Clearwater $199,000 | #3852340 Northwoods living close to the metro! Very private, 3-acre lot. Live surrounded by towering pines and wildlife. Charming, 3 bedroom home.

Annandale $119,900 | #3619684 Charming 2 bedroom home in town. Numerous updates in recent years: roof, windows, paint, carpet and blinds. Large backyard with shed.

Annandale $299,900 | #3902458 Spacious four bedroom home with a second kitchen. Boulder landscaping. Enjoy 2 ½ acres with abundant wildlife. Close to town!

Watkins $133,900 | #3906474 Huge corner lot with well-maintained home. Recently-finished basement, insulated garage, upgraded appliances, jacuzzi tub. Take a look!

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Hanover $449,900 | #3872636 Gorgeous rambler, all one level. Large master suite, 10’ ceilings, in-floor heat throughout. Perfect setting on 5 beautifully landscaped acres.


Albion Township $219,900 | #3836915 Three bedroom home on nearly 4 acres, with newly finished basement, updated septic, interior, siding and roof. Heated 40x40 pole barn.

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Annandale $169,900 | #3852409 Twinhome in Hunter’s Cove. Quality-built, 1,400 sq. ft. two bedroom floor plan with vaults, huge master, attached double garage, blacktop.

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New Clearwater Lake Maps Includes Lake Augusta, Otter Lake, Grass Lake & Bass Lake

Stop in our office to pick-up your free print! Hwy 55 East Annandale, Next to Subway

Stop in for a limited edition 24x20 wall-sized print

Last in series! Others still in stock include:

Pleasant Lake/Lake John

French Lake

Sugar/Indian Lakes

Cedar Lake

Granite/Camp Lakes

Lake Sylvia (only a few remaining!)

Lots & Land

City of Annandale and Cedar Lake. An ideal location for families

Highway 55. Call today to learn more about Market Retreat!

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1 1 1 1 1 1 2 2 2 2 2

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

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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

$113,900 $115,900 $119,900 $124,900 $127,900 $122,900 $94,900 $79,900 $118,900 $118,900 $99,900

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ing the scenic Whispering Pines Golf Course. Convenient access to


or retirees, just a few miles from Annandale Schools and neighbor-

ear ly spr ing 2010

A quiet development of large country lots, located between the

New Offering!

Well and septic installation included in price. Ask us for more details. Excellent Contract for Deed financing terms available.

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Lots & Land ear ly spr ing 2010 | w w w.oakr ealt y

Meadows of South Haven $64,900 | #3835974 Six lots available in this plat, priced from $64,900-$91,900. Lots vary from 3 to 3.9 acres each. Excellent Contract for Deed terms!

50 Acres, South Haven $199,900 | #3889611 Tillable land just north of Lake Sylvia. Beautiful parcel, good open farm land is hard to find! Edge of South Haven, more land available.

Annandale $59,900 | #3872202 Build at the end of a quiet cul-de-sac in Hunter’s Path. Great in-town location. Wooded, 1-acre. Neighborhood of quality-built homes.

39+/- Acres, South Haven $154,900 | #3670930 Just South of South Haven on County Road 2. Gravel buyers take a look! More land available. Corner parcel.

A.M. Boutique

Home of Ada Magdalene Skin Care

Limestone Trails starting at $75,000 Four lots available at Limestone Trails. Large acreage lots with mature trees, trails, 25+ acre outlot and lake access. Ideal for nature lovers.

read testimonials on our web site!

Offering Women’s Tops & Accessories Open Thursday, Friday and Saturday 9:30 a.m. - 3:30 p.m. 46 Oak Ave. N, Annandale

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Heritage Park of Kimball $24,900-$34,900 28 oversized, single family lots available in this new “green” neighborhood! Views of Powder Ridge. Bring your builder or use ours!

Lots and Land 9+ Acres, Clearwater $119,000 | #3894745 Rolling acreage with amazing countryside views, sunsets and wildlife. Area of newer, prestigious homes. Ideal location, quick access to I-94.

Maple Lake, 16 Acres $169,900 | #3911140 Nice location on County Road 8 North and 36th St. Close to schools, churches, shopping and walking path. Choice of parcel! 2 available.

10 Acres, Annandale $129,900 | #3810292 Blend of trees and lowland between Clearwater and Bass Lakes. Great hunting, abundant wildlife! Build now or later.

Views of Lake Sullivan $69,900 | #3847548 Privacy is yours with beautiful views. Heavily wooded 1/2-acre lot, ready for a new home. Quiet, dead-end road. Calling the nature enthusiast!

40 Acres, Clearwater $160,000 | #3864256 Great opportunity to own a 40 acre parcel in a great location. Rolling terrain, with field, trees and pond. Needs to be split from larger parcel.

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Lake Marie Access $29,900 | #3889534 Perfect lot for RV’s and tents, make this your summer hideaway! 3 storage sheds on the property. Mature trees offer shade.


10 Acres, South Haven $99,900 | #3903062 Build in the scenic back hills of South Haven. This rolling parcel has mature trees, abundant wildlife. Located on County Road 2.

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Lake Marie Access $39,900 | #3678083 Wooded, 1.6-acre lot. Ideal, quiet location. Few miles to Fairhaven, short drive to St. Cloud. Access to 270-acre Lake Marie/Lake Louisa.

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Lots & Land 25+ Acres, Clearwater $175,000 | #3670234 Prime acreage ready for investors, developers or builders. One mile off I-94. Approximately 8 acres of this rolling parcel is wooded.

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Lets put your property here!

Annandale $32,900 | #3897812 Beautifully wooded, 1.73-acre lot in an established neighborhood. Enjoy privacy with the comfort of homes nearby. Not far to town!

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75 Acres, Clearwater $259,900 | #3855861 Rolling acreage with pond and light tree coverage. Located within 5 miles of I-94. Seller will split off and sell a 40 acre parcel.

Cokato ea. $37,500 Three nice lots in the City of Cokato, ready for your new home! Beautiful trees mark the corner of Swanson and 3rd St. Your builder or ours.

70+ Acres, Monticello $299,900 | #3918533 Endless possibilities for this gently rolling acreage close to Maria State Park. Fantastic views, lots of wildlife, pond. One building entitlement.

Annandale $75,000 | #3627279 1.87-acre lot on the SW edge of Annandale. Build with privacy and elbow room, with the conveniences of town just blocks away!

Kimball $399,900 | #3681618 26 Twinhome lots in the new Heritage Park of Kimball development. Utilities, blacktop, curb and gutter are in. Views of Powder Ridge!

Lots & Land 18+/- Acres, Fairhaven $199,900 | #3440865 Open views of the countryside, approximately 2 acres wooded, with a trout stream winding through. Could be split into (3) 5-acre lots.

Stop in this Spring!

Fine Jewelry Retailer | Clock, Watch & Jewelry Repair

Main Street Annandale (320) 274-5313

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93 Acres, South Haven $320,000 | #3903363 Rolling farmland bordering the city limits of South Haven. Two building eligibilities. Frontage on Hwy 55. Pond in the NW corner.


South Haven 10, 56 and 66-acre tracts 10-acre lot on the Clearwater River in the beautiful back hills of South Haven. 56-acre parcel available, excellent hunting. Or buy all 66 acres!

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13 Acres, Kimball $119,900 | #3890325 Open acreage on the West side of Kimball City Limits. Great investment potential. Currently leased for crop use on a year by year basis.

on Clearwater Lake 12635 Bayview Road, South Haven (320) 274-7224

Dining and Spirits Where Friends Come Together

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Highway 55, Annandale $699,900 | #3845933

The perfect location right in the Heart of the Lakes! Entrepre-

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neur’s, with 260’ frontage on busy Highway 55 and a huge parking area, this beautifully remodeled building could be exactly what you’re looking for! A true log, canopy entry into a large vestibule

offers the possibility of two entry ways. Finished with half log sid-

ing and cultured stone, the 9,000 sq. ft. building includes newer

roof, interior cement floor, plumbing, sidewalks and large asphalt parking lot. The interior of the building is open with no supporting beams to limit your options. Bring your ideas to this opportunity!

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$499,900 | #3805068 Commercial opportunity in the heart of town. This is a great location with high foot traffic. Currently leased with successful, well established businesses in the town hub of Cokato. This

property has instant income making potential. It is a well main-

tained building with 8 individual units. Units can be purchased individually, customize a retail or office space that fits your needs! Bring your ideas or needs to this investment opportunity in the charming town of Cokato!

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Commercial Fairhaven $129,900 | #3492263 Corner downtown commercial building with adjacent home, currently used for rental. 9x9 office, 1,152 sq. ft. vaulted room with wood floors.

$199,9000 | #3851536 Great business opportunity on the West side of Annandale. Parcel

has 675’ of frontage on busy Highway 55. This 3.5-acre lot has few limitations to challenge an eager entrepreneur. Bring your ideas to

life in a great location with excellent visibility and extremely high traffic. The timing would be perfect with new development coming

soon on the South side of the highway, just across the street. Loca-


tion is just a few blocks from Main Street.

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Annandale $135,000 | #3865254 Numerous potential development possibilities. Beautiful .84 acre lot, in great location. 5,000 sq. ft. brick building with newer metal roof.

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Highway 55, Annandale

Maple Lake $449,900 | #3844346 Dare to dream big! Commercial Property with two large buildings located on four acres with easy access to Highway 55. City

sewer and water. The possibilities for this commercial facility are unlimited! Office building has an elevator and kitchen facili-

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

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Commercial ear ly spr ing 2010 | w w w.oakr ealt y

Highway 55, Kimball $119,900 | #3890786 Commercial/business land with State Highway 55 frontage. Located within city limits. Many possible uses, more with conditional use permit.

40 Acres $299,900 | #3637600 Gravel buyers take a look! All tillable. One building right. Excellent location 4 miles North of Kimball on Hwy 15, close to Powder Ridge.

Main Street, Annandale $134,900 | #3902412 Laundromat on busy corner of Annandale’s charmed Main Street. Across from the Post Office. Three full apartments. Live and work!

Personal Storage Condominiums $59,360 | #3574974 Got stuff? Own your own storage condo! Power, heat, 16x14 overhead door with opener, 16’ side walls. for more info.

The Snooty Fox Gallery & Gifts

20 East Cedar Street, Annandale (320) 274-2700 Hours: Tues-Fri 9-5 & Sat 9-4 Sun 10-2 Memorial - Labor Day

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700 Norway Drive, Annandale

(320) 274-2019

Open 8 am - 10 pm Mon-Sat

Commercial ear ly spr ing 2010 |


French Lake Auto Parts has been a world leader in the automotive recycling business since 1956. 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 inven-

tory 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.

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French Lake Auto Parts

Welcomes 250-300 walk-in customers on a typical Saturday. This family owned and operated company is celebrating its 54th year in the auto parts, vehicle recycling and car sales business. Includes: Land, buildings, business, inventory, equipment.

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Grass L Otter Lake


Lake Caroline Lake Louisa

Lake Marie Lake Augusta

Clearwater River

Clear La s o u t h h av e n

Lake Betsy

Pleasant Lake Lake John

Lake Union


Lake Sylvia Pickerel Lake Moose Lake

Lake Francis French Lake

Granite L Crow River

Limestone Lake


Bass Lake

Sugar Lake Silver Lake

Indian Lake

rwater ake

Cedar Lake

Mink Lake Somers Lake Lake Mary

Swartout Lake

Maple Lake maple lake

Ramsey Lake

Lake Buy this image online at

call. click. come in.

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

maple lake office


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

Heart of the Lakes Property Portfolio | Spring 2010  
Heart of the Lakes Property Portfolio | Spring 2010  

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