Page 1

Heart of the Lakes property portfolio


spring 2011


Since 1974

signs of a great spring sea son We’ve been publishing the Heart of the Lakes Property Portfolio for a year now, and what a positive response we’ve heard. Thank you to many for supporting it! We hope you’re enjoying each issue. The winter season was a good one in our office, with a handful of lakeshore

properties selling during what turned out to be one of Minnesota’s snowiest winter’s on record. It proves that winter shouldn’t be ignored

when it comes to buying and selling on the lake, or anywhere else for that matter! We talked to numerous folks at the Lake Home & Cabin Show in February who have thought about a vacation home or making a move in recent years but were hesitant, until now. They are simply

tired of waiting. They are smart to take a serious look this year. Interest rates are still low and there are some incredible values in the area both on and off the water. We’re anticipating a succesful spring and summer, and look forward to meeting you along the way. Enjoy the Spring! Steve (Brugge) Bruggeman, Owner

Table of Contents

[ cover photo ] Scene at Fairhaven Farm

l akeshore

General Contact 4



lots & l and




commer cial


l ake m ap s


p [

take a virtual tour watch a pr opert y tr ailer

Find us on Facebook!

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

Visit our YouTube Channel

Your guides

to the heart of the l akes

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

Associate Broker Associate Broker (320) 980-2445 (320) 274-5737

dean hoglund

gary dagner

hollie dagner

carla sundblad

justin wisner

amy mcnellis

t o m g ay

mike 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) 963-4190

Marketing (320) 274-5737

Realtor®, gri (320) 309-1739

Realtor® (320) 492-1641

Realtor® (320) 309-1739

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

lakeshore find the perfect waterfront setting

Pleasant Lake lot

Lake Sylvia

Grass/Clearwater Lake

$369,900 | #4029090

$849,900 | #4003573

$134,900 | #3877288

Bring your dream lake home to life on this this

A spectacular setting on West Lake Sylvia. Charming A-frame chalet overlooking quiet

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

in the vaulted great room. Entertain family and away anyone could enjoy. Relax on a spacious

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

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

sunset views, great recreation and fishing, and views of the 4th of July fireworks display!

Take in sunrise views through a wall of glass Grass Lake offering a maintenance-free getfriends from the wonderful lakeside deck and deck overlooking a large, level lawn. The intepatio, with granite steps leading to 75’ of shore- rior is updated, and wonderful resort ameni-

line. A relaxing year-round or vacation setting. ties including an outdoor pool, and beach on Read more on Page 16!

Clearwater’s shore, are yours.

Pleasant Lake

$574,900 | #4023802


Grab a lawn chair and enjoy the best seat in the house for Annandale’s historic Fourth of July fireworks. This beautiful home is located on 75’ of

Pleasant Lake shoreline. This spacious home has a great open floor plan and warm, lake country feel. Take in beautiful views from decks off of the dining room and from one of the four bedrooms. Both upper bedrooms have gorgeous wood flooring and red cedar, log, double wall construction is

found throughout the home. Cozy up to one of the two gas fireplaces, one of which is see thru between the dining room and the living room. The

lower level walks out to a 3-season porch with a wall of glass and flagstone flooring, sure to be your favorite room in the house to take in the views of the lake. Huge patio and a level yard leading to the beach. Your home will definitely be the one that everyone visits over the summer months.

w w w.oakr ealt y



Mink Lake $169,900 | #3594199 Charming seasonal cabin with many updates in 2008: new roof, siding, well/septic. Newer windows, bath, stove, water heater. Fully-furnished!

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

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

Lake John $279,900 | #4013474 Great lakefront home on the North shore. Many updates incl. Brazilian hardwood and ceramic flooring, new bath, and new steps to the lake.

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

Lake Sylvia $499,900 | #3982063 Charming cottage on a 1/2-acre lot with 136’ of hardbottom shoreline. Enjoy beautiful views from the deck of the 12x12 boathouse!

Taste our award-winning Chili Memorial Weekend! Be sure to head into Annandale on Saturday, May 28th to join the fun and free chili at the Chamber’s 9th Annual Chili Cook-off! Visit business locations downtown and along Highway 55 to sample their recipies, then stop at City Hall Square to vote for your favorite! Don’t miss us by City Hall, Tom’s secret recipe hold’s both People’s Choice and Judge’s Choice awards!


w w w.oakr ealt y

Clearwater Lake $499,000 | #4012693


This impeccably maintained year round lake home has everything

you’ve been looking for! Extraordinary views of Clearwater Lake from almost every room in the house. The master suite has a private sitting

area and walks out to a lakeside deck. Remarkable, level yard with 100 feet of sandy shoreline, spacious west facing sunroom for enjoying sunsets, 3 bedrooms, 3 baths and ample living space. Fresh, neutral paint throughout the home and updated bathroom fixtures give this home a polished look. This place is ready for summer fun.

Lake Sylvia $399,900 | #3981434

Here’s your opportunity to own property on the highly desirable peninsula

of stunning Lake Sylvia. Truely a find, this property measures almost 1/2 an acre of level, lush green yard and is perfectly shaded by majestic Oak

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

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

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

w w w.oakr ealt y


Lake Sylvia

$699,900 | #4023551


Exquisite home with no detail overlooked. Walk in to a vaulted great room with spectacular views of the water. Along with a two-way fireplace, and wet bar, the great room includes a sliding glass door to a huge deck. The master suite on the main level includes a gas fireplace, deck, and a private bathroom with jacuzzi tub that is nearly the size of the bedroom itself. You will be amazed with a kitchen that features stainless steel appliances, cherry wood

flooring and cabinets, a walk-in pantry and granite counter tops. Entertain year-round with a lower level recreation room with pool table and wet bar. The upper level offers more great views, a den, office with spacious built-ins, family room with a gas fireplace and deck, bedroom and full bathroom. Boulder landscaping, boat house, fire pit, mature trees, and 95’ of premiere shoreline make this property more than you could ask for!


w w w.oakr ealt y

Cedar Lake

$649,900 | #3897952


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

stainless steel appliances, hickory cabinetry, and granite counter tops. A

mud/laundry room with tile floors and built-in lockers is great for coming off the lake. Cedar ceilings, wood plank flooring and tons of windows fac-

ing the lake. Spacious lower level walkout includes a family room, ¾ bath and dry bar. The master bedroom has vaulted ceilings and amazing lake

views. Wrap-around deck, boulder landscaping, fire pit, and granite steps

Gary Dagner Realtor®, GRI

with a stamped concrete sidewalk leading to the sandy shoreline.

Lake Sylvia $519,000 | #3968848

(320) 309-1739


This spectacular chalet-style home was built in 2001. Enjoy a lofted bedroom with a walk in closet, full bathroom, a private deck with sliding glass

door and gorgeous views of Lake Sylvia. The main level boasts a spacious

kitchen that opens to the living room with a gas fireplace, open staircase to upper level, full bathroom, second bedroom and stunning knotty pine throughout. Your favorite space of the house will definitely be the

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

w w w.oakr ealt y


Locke Lake

$319,000 | #4031905


Conveniently located near I-94, with an ideal amount of elevation providing magnificent lake views, this home sits on an acre lot with per-

fect tree coverage offering shade and privacy. 3 bedrooms, 2 baths and ample living space includes separate living and family rooms and four

fireplaces! Vaulted ceiling and a wall of windows look out to a 22’x13’ lakeside deck, the perfect place for outdoor entertaining. A 30’x26’ pole shed will make a great workshop and storage area and the double garage is insulated and heated with more storage area!

Gary Dagner Realtor®, GRI

(320) 309-1739

Indian Lake $284,900 | #3933312


Gorgeous home with the privacy you have been looking for and beautiful

mature landscaping. Have plenty of room for everyone with three bedrooms. The spacious kitchen has all the appliances you need to entertain on the summer weekends at the lake. Huge master suite boasts a walk-in

closet, oak floors and sliding glass door to patio. The three season porch will be your favorite spot to sit back and enjoy the views. Enjoy the comforts of a ceiling fan, electric heat, vaulted ceiling and door that walks out to your lakeside deck. Call this peaceful setting your home or getaway!


w w w.oakr ealt y

A Great

Catch Not just any fish, the one you’ve been dreaming of. In real estate, the truly exceptional finds are here for a moment and gone. Is your line in the water? With one of our guides at your side, you can find what you’re searching for. The perfect place that will become the backdrop to life’s best moments. It won’t just be great, it will be the catch of a lifetime.


Since 1974

Photo: Boy fishing at Tuelles-Beecher’s Resort, Clearwater Lake, circa 1930

Crooked Lake

$377,900 | #4001701

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

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

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


w w w.oakr ealt y

Clearwater Lake $155,900 | #4034801

Enjoy cabin life without all the upkeep allowing more time for boating, fishing, swimming and relaxing. This recently updated 2 bedroom, 1 bath

condo is perfect for a summer or winter retreat and comes fully furnished. Private deck and balcony are great outdoor spaces for realxing with a good

book or chatting with friends and family. Many shared amenities including heated outdoor pool, beach, docks, 17 acres of common grounds and a

party room for those large get togethers. Rent the unit out when your not using it to help pay for your investment.

700 Norway Drive, Annandale (320) 274-2019 Open 8 am - 10 pm Mon-Sat

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

Dining and Spirits Where Friends Come Together

w w w.oakr ealt y


Experience Sylvia this Summer

6 2 2 5 p i l g e r av e n ue n w, a n n a n da l e It’s truly the gem of the Heart of the Lakes. Spend a part of your summer here, on 4 private acres of the renown Lake Sylvia Peninsula. This spacious waterfront home is available for rent year-round. 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. Gathering spaces throughout invite you to relax, rejuvenate, and reconnect

with family and friends. The amenities of the home and property are numerous, and include satellite television and high-speed wireless internet service. No need to leave your pets at home, they are more than welcome here too. Come to boat, paddle, and swim. Come to stay up late, sleep in, and nap in the afternoon sun. Isn’t it time you treated yourself to a week away?

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



w w w.oakr ealt y

Lake John

$249,900 | #4018748


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

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

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

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

The Snooty Fox Gallery & Gifts

Lake Sylvia $364,900 | #4005791 Heavily wooded and gently sloping, this Lake Sylvia lot is an ideal location for your new cabin or home. It offers 123’ of shoreline in Flannery’s Bay

on the North end of West Lake Sylvia and the privacy of the Northridge

Addition. Residents of this winding, blacktop drive that ends at Cedar

Point share a private boat access and a large outlot. At just over an acre in size, the lot will accommodate a grand home to a quaint retreat.

w w w.oakr ealt y

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


Lake Sylvia

$849,900 | #4003573


This chalet-style, three bedroom home was

patios to entertain, and a private lofted master ing in and out from the lake, full wet bar for

Lake Sylvia, and features stunning views from

ing view of all. The vaulted main floor living bath. The detached garage offers an abundant

built on a gently sloping lot on the West side of

suite and home office with the most captivat- drinks and snacks, another bedroom and a full

walls of lake side glass. Beautiful landscaping area is stunning, opening from the kitchen into amount of space to store your cars, boats and with heated ponds and a waterfall make this

a dining and living area with built-in cabin- toys and the attached workout room is great for

a relaxing year-round or vacation setting. De- etry and stone fireplace and fabulous lake view signed with a comfortable floor plan featuring through a two-story wall of glass. The lower

kids and adults. Relax on 75’ of beach and enjoy

the most desired fishing, swimming and boat-

large gathering spaces for families, decks and level has a functional flagstone floor for com- ing waters in the Heart of the Lakes Area.

Clearwater Lake $249,900 | #4004355


Charming, one-level, seasonal cabin on the water’s edge. Updates include new exterior paint, new cedar wrap-around deck with new sliding

glass door from the dining room. Master bedroom has lake views and a second sliding glass door. Two of the bedrooms have nice size closets

and all rooms include ceiling fans. Stone fireplace and beautiful shore-

line views make the living room the place to be. Enjoy a storage shed for all your lake toys and tools.


w w w.oakr ealt y

Lake Marie $189,000 | #3978319


Absolutely delightful summer cottage with 2 bedrooms and amazing views of the lake from the living room and spacious lakeside deck. Comes completely furnished and ready for you. Enjoy the attractive updates throughout, including updated bathroom and new appliances, while maintaining

the charm of the original kitchen cabinets for a great retro feel. The yard is

level from the home to the lake with 75 feet lakeshore, dock is included! Great sandy area for bonfires. The kids or guests will love their own private “sleeping cabin,” a sure spot for making memories for years to come!

Lake Sylvia $548,000 | #4006178


Lake Sylvia $299,900 | #4007065

Beautiful home on one of the finest lakes in the area. Lake views from

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

boat house deck. The level lot is covered by an emerald lawn and bor-

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

nearly every room. Enjoy 80 feet of hard bottom shore and an 18x22

dered with mature trees. Enjoy a fabulous 3-season porch, two fireplaces, two spacious decks, main level laundry and a screened porch. A well cared for 18’ Sun Patio 1999 Supreme pontoon is also included.

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 also share a private boat launch.

w w w.oakr ealt y


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

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

Lake Marie $234,900 | #3953326 Beautifully wooded lake lot with open floor plan split-entry home. Lakeside covered porch, wood fireplace. Home needs some updating.

Maple Lake $399,900 | #4031298 Lovely three bedroom home, filled with great natural light. Spacious lakeside deck overlooking 150’ of shoreline. Huge lot, two garages.

SIGNS of Spring

We open homes year-round. In fact, we think our balloons look great against the snow! But there is nothing like Minnesota summer for selling real estate. It’s Saturday morning, your property looks great, people are happy and out & about, and our balloons are waving in the sunshine. If you’re considering selling this year, give us a call. Ask about our Open House program, our Heart of the Lakes Property Portfolio, our SkyCam and what we’re doing new in 2011.

Be a part of our busiest marketing season.


w w w.oakr ealt y

What’s your favorite Heart of the Lakes story?

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

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

residential new construction

Maple Lake


Maple Lake

$149,900 | #4001092

$79,900 | #3951733

$149,900 | #3922823

Own a brand new home, in a well kept and

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

add your own touches by choosing the flooring,

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

established neighborhood! Ready for you to

paint colors, and appliances! Located within

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

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

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

done in 60 days.


$1,195,000 | #3941878


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

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

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

w w w.oakr ealt y




Maple Lake $172,900 | #3960989 Great home with three bedrooms, two baths, vaulted ceilings, insulated garage in a quiet neighborhood. Walkout basement to nice backyard.

Annandale $119,700 | #4010721 Wonderful tri-level in town with a large deck, spacious master suite with walk-through bath and walk-in closet, basement ready to finish.

Annandale $128,900 | #4021374 Spacious three bedroom home with a charming front porch to relax on. Well cared for and move-in ready. All bedrooms on the upper level.

Maple Lake $139,900 | #3865174 Townhome living with the feel of the country! One level, with master suite, open living area, patio overlooking a pond, oversized garage.

Clearwater $163,900 | #3972481 New Construction! Home has oversized 3 car garage, master bedroom has walk thru to bath, huge city lot and spacious open floor plan.

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

Free Area Lake Maps!

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


w w w.oakr ealt y

South Haven $449,900 | #4024017


Breathtaking country home nestled in mature trees with a private asphalt drive. Enjoy the view of wildlife on your very own wrap around deck. Meticulously landscaped with a three car attached garage and a 36 x 56 pole shed you will never run out of room for your toys. Get away

from it all with your own master suite with a whirlpool and walk-in

closet. With a two-story vaulted ceiling and spectacular windows you will never miss a sunrise. Along with 5 bedrooms, 3 bathrooms and separate lower living quarters there is plenty of room for the whole family!



$64,000 | #3926546

$189,900 | #3921039

Charming story and a half home just blocks away from the Big Ball of

Spotless country home set on 2 acres with mature landscaping, this is a

ed kitchen with new cabinets and windows providing brilliant natural

with new side-by-side refrigerator, 3-season porch and attached 10x12

Twine! Nice yard with majestic oak trees and small garden area. Updatlighting! Upper level has one private bedroom and great office space, or 2nd bedroom, which ever suits your needs! Maintenance free siding and newer windows. Move-in ready!


great setting for a large family! Five spacious bedrooms, a large kitchen deck with storage below. The lower level family room has newer carpeting. Enjoy a large laundry room with cabinets to keep you organized. Beautifully wooded backyard is perfect for kids to roam or add a storage shed to the property. Located near Lake Sylvia.

w w w.oakr ealt y



Maple Lake

$449,900 | #4031516


$164,900 | #4004031

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

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

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

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

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

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

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

Under the Water Tower!

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

Visit us this Spring! Fine Jewelry Retailer Clock, Watch & Jewelry Repair

Main Street, Annandale (320) 274-5313


w w w.oakr ealt y

Albertville $229,000 | #3965222 Beautifully-finished home on 1.99-acre lot in town. Hickory floors, alder doors/cabinets, fireplace, many extras! Walking distance to school.


French Lake Township $264,900 | #4015031 Hunter’s dream with 40 acres and Crow River frontage. Three bedroom home, outbuildings. Newer roof, siding, carpet and furnace!

Annandale $269,000 | #3982543 Elegant custom built rambler near Whispering Pines GC and Cedar Lake. Host the big games in lower entertainment level. Master suite!

Cedar Lake Views $189,000 | #4033239 Walkout rambler on scenic lot overlooking the lake. Deeded access just down the road. 3 main BR’s, newly remodeled baths. 36x40 pole shed.

South Haven $119,900 | #4035025 Great country rambler located on a nice wooded lot close to Clearwater Lake. Great yard for kids, nice deck in back. Needs some updating!

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

Watch Property Trailers on

When you see this symbol 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. Our custom videos have been viewed almost 4,000 times. Have you seen one yet?

w w w.oakr ealt y




$409,900 | #4020129


Stunning country home built in 2005 and set next to the master bedroom. You will still ap- kitchen. With an open staircase and vaulted

on almost 10 acres near Lake Sylvia. With a preciate your own privacy with a spacious mas- ceilings you will never miss the activity or the long scenic driveway through an expansive ter bedroom with a glass sliding door to your

views. On those hot summer days, enjoy cool-

this home definitely has the privacy you have dows throughout the home allow you to take

some rays on the spacious wrap-around deck.

lawn and then tucked away in mature trees, very own private deck. Numerous large win- ing off in the above ground pool or catching been dreaming of. This is a great home for a in the view of the surrounding woods from family with kids. Enjoy a large bedroom on the

main floor and an oversized bedroom upstairs

This is truly a home that has it all and so much

spaces like the main floor office, bedroom, full more. A must see if you’re looking for privacy bathroom, large living room, dining room and and a beautiful piece of property.

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 RealtorÂŽ, GRI 26

of Clearwater

(320) 309-1739

w w w.oakr ealt y


$499,900 | #4039792


Stunning Victorian Style home offers four bedrooms, four baths, with gorgeous hardwood oak flooring, a gas fireplace with cultured stone accents, and in-floor heat in the lower level. There is a gorgeous kitchen with hickory cabinets, formal and informal dining and mission style doors, and a master suite you will fall in love with featuring a unique two-story master bath ceiling and an old claw tub. The attached oversized garage includes a bonus room with oak hardwood flooring, perfect for entertaining. Relax on a beautiful wrap around porch with cultured stone pillars. With two

barn-style outbuildings, this home is great for horses or the hobbyist. Your will enjoy the landscaped yard, and the outside patio with a built-in grill area and pergola overhead. This dream home is set on 40 acres of countryside including three ponds and a creek, perfect for the nature lover!

w w w.oakr ealt y


LAND featured development: silver creek heights Lots from $69,900


Silver Creek Heights is a stunning upscale development offering a gorgeous country setting

with private lots. Located just off I-94, this is the perfect location for commuters to St. Cloud

or the Twin Cities. Open to any builder with covenants to protect your investment. Your

choice of Annandale, Maple Lake or Monti-

cello School Districts, due to their converging district boundaries. Enjoy everything this area has to offer including many recreational lakes

and parks near by. Call for a full list of available lots, their acreages and prices.

25+ Acres, Clearwater $134,900 | #3915273

Annandale $27,900 | #3897812

Annandale $59,900 | #4017357

Prime acreage ready for investors, developers

Beautifully wooded, 1.73-acre lot in an estab-

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

of this rolling parcel is wooded. Can be split.

comfort of homes nearby. Not far to town!

1-acre. Neighborhood of quality-built homes.

or builders. One mile off I-94. Approx. 8 acres

lished neighborhood. Enjoy privacy with the

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

South Haven $59,900 | #3984910

Meadows of South Haven From $63,900 | #3986637

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

Level lot with approximately 75’ of Clearwa-

Seven lots available in this plat, priced from

Just South of South Haven on County Road

Lakes. Access to shared park. Great views!

each. Excellent Contract for Deed terms!

able. Corner parcel.

ter River frontage. Access to Grass/Clearwater

$63,900-$87,900. Lots vary from 3 to 3.9 acres

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

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

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

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

28 oversized, single family lots available in this

Tillable land just north of Lake Sylvia. Beauti-

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

Ridge. See Page 30.

Edge of South Haven, more land available.

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

new “green” neighborhood! Views of Powder

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

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

Hunter’s Cove Limestone Trails From $49,900

Sauk Rapids $394,900 | #3927594

South Haven $39,900 | #3995479

Four lots available at Limestone Trails. Large

Private hunting preserve. 80 gorgeous acres of

Gorgeous wooded, 1.6-acre lot. Quiet and

outlot and lake access. Ideal for nature lovers.

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

home. Close to Fairhaven.

acreage lots with mature trees, trails, 25+ acre

woods and water. Keep it to yourself or split into

secluded location to build your new country

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

Annandale $64,900 | #3949813

10 Acres, Annandale $117,900 | #3947433

Rolling farmland bordering the city limits of

Buildable 1.2-acre, wooded lot overlooking

Blend of trees and lowland between Clearwa-

age on Hwy 55. Pond in the NW corner.

snowmobile, fish and hunt from here!

wildlife! Build now or later.

South Haven. Two building eligibilities. Front-

Lake Marie. Great hilltop location. Camp,

ter and Bass Lakes. Great hunting, abundant

Annandale $89,900 | #4024401

9+ Acres, Clearwater $89,900 | #4016348

Views of Lake Sullivan $49,900 | #3995348

Picturesque setting for your future dream

Rolling acreage with amazing countryside views,

Privacy is yours with beautiful views. Heavily

Rd 3. Close to Lake Sylvia and Lake John.

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

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

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

sunsets and wildlife. Area of newer, prestigious

w w w.oakr ealt y

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


40 Acres, Clearwater $140,000 | #3864256

Cokato From $29,900

Kimball $399,900 | #3942499

Great opportunity to own a 40 acre parcel in a

Three nice lots in the City of Cokato, ready for

26 Twinhome lots in the new Heritage Park of

and pond. Needs to be split from larger parcel.

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

and gutter are in. Views of Powder Ridge!

great location. Rolling terrain, with field, trees

your new home! Beautiful trees mark the corner

Kimball development. Utilities, blacktop, curb

10 Acres, Annandale $89,900 | #3985410

South Haven $39,900 | #3979982

South Haven $47,900 | #3984907

Buildable, 10-acre parcel. Great open land to

Lot with views of Lake Marie. Includes 2 stor-

Lot with great views of the Clearwater River

outbuildings. 2 miles from town, country feel!

screened porch. Affordable weekend getaway!

Clearwater Lakes.

build a dream house, with room for shed or

age sheds, 8x28 Dutchman RV with 12x24

and water hook-up included. Access to Grass/

Clearwater $39,900 | #3985640

Annandale $54,900 | #3627279

Silver Creek $59,900

Wooded 2-acre parcel in prime location close

1.87-acre lot on the SW edge of Annandale.

Rolling 3+-acre parcel near Silver Creek, nicely

place. Ready to build the home of your choice!

conveniences of town just blocks away!

ful setting to build your new home!

to the mighty Mississippi. Garage already in

Build with privacy and elbow room, with the

wooded with a pond on the property. A beauti-

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

Gary Dagner Realtor速, GRI

Carla Sundblad Realtor速, GRI, WCR

(320) 309-1739

(320) 493-1361

Call for more information!

A quiet development

of large country lots, located

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

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






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

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

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

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

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

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

bank-owned a division of our business is dedicated to this market. have questions about short sales? bank-owned? we have answers. Listed are active and pending properties in their current status as of this portfolio’s publishing date.

10593 64th Lane NE Albertville, MN 55301 $109,900

406 Creekside Drive Buffalo, MN 55313 $109,900

425 Main Street N St. Michael, MN 55376 $55,000 151 Cedar Avenue S Watkins, MN 55389 $49,900

1010 Cristof Court Montrose, MN 55363 $182,500 4197 Jannings Avenue NE St. Michael, MN 55376 $164,900

440 State Street N Eden Valley, MN 55329 $52,250

500 Frankfurt Way Waverly, MN 55390 $89,900

6821 Baker Avenue NW Buffalo, MN 55313 $269,900

1276 Marvin Court Delano, MN 55328 $203,700

A.M. Boutique

205 Bluff Street Clearwater, MN 55320 $75,600 PENDING!

11271 16th Street NE St. Michael, MN 55376 $99,900 PENDING!

12776 43rd Street NE St. Michael, MN 55376 $82,500 PENDING!

16108 720th Ave. Dassel, MN 55325 $164,750 PENDING!

121 Pheasant Ridge Dr. Montrose, MN 55363 $119,900 PENDING!

711 4th Street S Buffalo, MN 55313 $104,900 PENDING!

195 Terrace Road NE St. Michael, MN 55376 $172,500 PENDING!

3267 88th Street NE Monticello, MN 55362 $119,900 PENDING!


Home of Ada Magdalene Skin Care 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

Open Year Round Full Bar, Pizza & Food Pool, Darts & Game Room Family, League & Open Bowling ANNANDALE (320) 274-BOWL

commercial new business? we have your location.


Highway 55, Annandale

Highway 55, Annandale

$109,000 | #3959186

$199,900 | #3851536

$699,900 | #3978485

Commercial opportunity in the quaint town

Parcel has 675’ of frontage on busy Highway 260’ frontage on busy Highway 55, a huge park-

building with adjacent home currently used

challenge an eager entrepreneur. Great location True log, canopy entry into a large vestibule of-

of Fairhaven. Corner downtown commercial

for rental. Commercial building has 9x9 of-

fice, 1,152 sq. ft. large, vaulted room with

wood floors, and abundant storage. Suitable for various business types.

55. This 3.5-acre lot has few limitations to ing area, and a beautifully remodeled building! with excellent visibility and extremely high fers the possibility of two entry ways. Finished traffic. The timing would be perfect with new with half log siding and cultured stone, the

development coming soon on the South side 9,000 sq. ft. building includes newer roof, inteof the highway, just across the street.

rior cement floor, and plumbing.

The Bay Club



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.


w w w.oakr ealt y

Main Street, Annandale

Main Street, Annandale

$84,900 | #4001242

$119,900 | #3902412

Here’s you chance to own a part of Historic Annandale! This charming

Successful coin operated laundromat located in the hub of Annan-

Street. This prime location with abundant foot traffic will be the perfect

has two upper level apartments for rental. Convenient on and off road

red brick store front is located right in the middle of delightful Main setting for any entrepreneur. Whether your plans are for an office, retail

or other service, with 768 sq. ft. of open space, your options are endless. The interior has been updated with fresh paint and new wainscoating.

Annandale $119,900 | #3865254 Numerous potential development possibilities. Beautiful .84 acre lot, in great location. 5,000 sq. ft. brick building with newer metal roof.

dale. Situated on a high traffic corner lot, this stately brick building

parking available for customers and tenants. Ready to be your own

boss or make an investment? Here’s your opportunity. Real estate, business and equipment are all offered in this transaction.

Cokato $489,000 | #3975559 Commercial opportunity in the heart of town. Great location with high foot traffic. Established businesses currently leasing. 8 units.


M-F 9-6 Sat 9-5 Sun 10-4 FINE GIFTS AND GREAT FINDS 10 Oak Ave. Nor th

Open 7 days a week year round for YOUR convenience!

Annandale’s Main Street

w w w.oakr ealt y

(320) 274-4438 35

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 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.

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

Personal Storage Condominiums $52,640 | #3968698 Got stuff? Own your own storage condo! Power, heat, 16x14 overhead door with opener, 16’ side walls. for more info.

27 Holes of Championship Golf

Pro Shop 320.963.5500


w w w.oakr ealt y

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

w w w.oakr ealt y


lake maps Explore and enjoy area waters

City Park, Beach, Fishing Pier, Public Access

509 acres

3 Public Access, Fishing Pier

City of Annandale

pleasant lake


Map images available online at

Clearwater/Pleasant County Park

3 Public Access

french lake 332 acres

Grassy Island

granite lake 339 acres

3 Public Access

Map images available online at

lake john 411 acres


Public Access

3 Public Access

3 Public Access

cedar lake 837 acres

Map images available online at


Public Access

777 acres

maple lake

Public Access


Public Access

3 921 acres

lake francis

Map images available online at


Bell Point

sugar lake 1,015 acres

indian lake 3

Public Access

Public Access


n ne l

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

(both lakes combined)

Lake Sylvia Peninsula

Bull’s Island

3 Public Access

Map images available online at

otter lake

3 Public Access

Bungalow Island

3 Public Access

l a k e au g u s ta 178 acres

grass lake

bass lake 218 acres


Public Access

The Narrows

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

Map images available online at

Grass L Otter Lake


Lake Caroline Lake Louisa

Lake Marie Lake Augusta

Clearwater River

Clear La s o u t h h av e n

Lake Betsy

Pleasant Lake Lake John

Lake Union


Lake Sylvia Pickerel Lake Moose Lake

Lake Francis French Lake

Granite L Crow River

Limestone Lake


Bass Lake

Sugar Lake Silver Lake

Indian Lake

rwater ake

Cedar Lake

Mink Lake Somers Lake Lake Mary

Swartout Lake

Maple Lake maple lake

Ramsey Lake

Lake Map images available online at

call. click. come in.

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

maple lake office


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

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

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