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Heart of the Lakes property portfolio


summer 2011


Since 1974

the start of something good I was 12 years old when my father, Don Bruggeman, started his real

Table of Contents

estate career here in Annandale. At the age of 26 I joined Oak Realty and eventually purchased the business from him when he retired (the





lots & land






are amazing: internet, web sites, You Tube. I’m very proud of what he

lake maps


son, Brian, now has his Real Estate Broker’s license and is working

p [

first time.) Though retired, Don could not resist the pull of Annandale

real estate. He retained his license and kept his hands in the business. The last couple of years he has joked that he works until 8:00 every day... he would smile and say, “8 in the morning.” Don is not renew-

ing his license this year and will officially retire this summer, after 39 years in the business. He would be the first to say that the changes

started and will do my best to carry on the family business. My oldest for a commercial broker in Minneapolis. That is three generations of Bruggeman Realtors. My sister, Rebecca Harkman, obtained her real

estate license several years ago and is working in the family business as well. Must be in our blood.

I’m sitting at an open house on Moose Lake writing this. It is a beautiful, crisp clear day with big white puffy clouds in the sky, overlook-

ing the shoreline with solid woods across the lake, it is truly a post card setting. I can’t help but think, “Wow, I have a great job.” The

office is running at warp-speed right now, we are so fortunate to have the work. We are committed to offering the best marketing around. I [ cover photo ] Dawn, Pleasant Lake

hope you enjoy our summer edition of the Heart of the Lakes Property Portfolio.

Congratulations Don on your retirement, for the second time. As for me, I hope to spend some time on my Harley on days like today. If

you see me cruising the Annandale area countryside, you will be sure to see a big smile on my face.

take a virtual tour watch a property trailer

General Contact annandale office 320.274.5737

maple lake office 320.963.2088

by email


Steve (Brugge) Bruggeman, Owner

Find us on Facebook!

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

angie wisner

amy miller

Realtor®, gri, wcr (320) 493-1361

Office/Marketing (320) 274-5737

Realtor®, gri (612) 226-6649

Marketing (320) 274-5737

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

lakeshore spectacular lakeshore lots

Pleasant Lake

Clearwater Lake

Lake Sylvia

$349,900 | #4029090

$399,900 | #4050798

$299,900 | #4007065

Bring your dream lake home to life on this

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

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

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

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

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

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

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

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

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

share a private boat launch!

Pleasant Lake $329,000 | #4047527


This charming one-level, seasonal cabin on the water’s edge. Enjoy a liv-

ing room with spectacular South-facing views of Pleasant Lake. Have

plenty of room for preparing summer meals with a spacious kitchen. You will also enjoy two bedrooms and a bathroom all on one level. This

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

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

Moose Lake $219,900 | #4041480


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

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

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

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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 $389,900 | #3981434

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

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

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

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


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Lake Washington $329,900 | #4053355


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

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

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

Lake Sylvia $499,900 | #3968848


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

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

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

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

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Mink Lake $149,900 | #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!

9th Annual Chili Champs! Congratulations to Tom and his crew for bringing home yet another silver ladle to the office! The Judge’s Choice/1st Place award went to Oak Realty at the Chamber Chili Cook-Off event held on May 28th. The tradition had its best turnout to date, with great weather and hundreds of chili-goers. Thanks to all who stopped at our booth and cast us a vote! You’re the one to beat Tom!


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Lake Sylvia $548,000 | #4006178


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

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

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

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

Lake Francis

$424,900 | #4045468


This exquisitely maintained split-level lake are adjoining, creating one generous space for has a spacious family room with a gas fireplace home is ready for you to move in! The end of entertaining. The kitchen has an abundance of

and unique built-in hutch. In addition, a multi-

tranquility and is nestled in mature trees and

plenty of countertops and eat-in-kitchen, all

room-green house and a home office with

fun on the sandy beach; absorb the lake view, There are three bedrooms on the main level of

The attached oversize double garage has epoxy

the road location offers desired privacy and

Dura Supreme cabinets with a built-in pantry, purpose room is currently being used for a craft

surrounded by perennial gardens. Enjoy water enhancing the function of this spacious room. look out windows providing natural lighting. sunsets or gardens from the lakeside fire pit or this home, all ample in size and in closet space. flooring and lots of room for storage. spacious deck. The living room and dining area

The lower level is a walkout to the lakeside and

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Be Charmed by Lake Sylvia

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

Summer 2011 Availability! Contact us for more information about this home and other luxury vacation rentals in the Heart of the Lakes.



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Lake 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!

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Locke Lake

$289,900 | #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!

Clearwater Lake $155,900 | #4034801

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

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

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

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


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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.

Cedar Lake

$649,900 | #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, ž bath and dry bar. The master bedroom has vaulted ceilings and amazing

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

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Cedar Lake $374,900 | #4046110


Cedar Lake $349,900 | #4047815


Secluded, 2,300+ sq. ft. lake home with 93’ of shoreline! Enjoy a main

85 feet of level lake shore on beautiful Cedar Lake. This 3000 sq ft

three bathrooms all with beautiful tile or marble floors. Enjoy the

and 2 baths with a second kitchen in the lower level for easy en-

floor bedroom and lofted master bedroom with a master bath, and

breeze on a spacious 10x24 screened porch and connected 12x10 deck. Mature, level yard has plenty of room for your summer get-togethers, and a water’s edge storage shed to house lake toys.

700 Norway Drive, Annandale (320) 274-2019 Open 8 am - 10 pm Mon-Sat 14

home has plenty of elbow room for the whole family. Three bedrooms tertaining. Features include: Main level laundry, enormous lake side

deck, sandy lake shore and recent exterior updates in 2008. Make the move today and finally making your dream lake home a reality!

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

Dining and Spirits Where Friends Come Together w w w.oakr ealt y

Long Lake

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

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

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

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

The Snooty Fox Gallery & Gifts

Clearwater Lake $189,900 | #4043052


Charming one-level, seasonal cabin on the water’s edge. Cabin comes fully furnished and ready to enjoy. Cabin has lovely knotty pine through-

out and includes a spacious living room, bedroom, bathroom and kitchen. Screened in porch has spectacular views and is perfect for those breezy

summer nights. Enjoy a storage shed for all your lake toys and tools. You will love 90’ of Clearwater Lake, perfect for boating, fishing or just relax-

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

ing in the warm sun!

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Lake Sylvia

$849,900 | #4003573


This chalet-style, three bedroom home was

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

Lake Sylvia, and features stunning views from

view of all. The vaulted main floor living area is detached garage offers an abundant amount

built on a gently sloping lot on the West side of

suite and home office with the most captivating

snacks, another bedroom and a full bath. The

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

ing and living area with built-in cabinets and

the attached workout room is great for kids

a relaxing year-round or vacation setting. De- stone fireplace and fabulous lake view through and adults. Relax on 75’ of beach and enjoy the

signed with a comfortable floor plan featuring a two-story wall of glass. The lower level has most desired fishing, swimming and boating large gathering spaces for families, decks and a functional flagstone floor for coming in and 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.


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What’s your favorite Heart of the Lakes story?

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

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

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!


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

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

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.

Annandale $39,900 | #3997927 Nicely-maintained, 1968 trailer with screen porch and 10x20 addition, 1 block off Sugar Lake. Shaded patio, gardens, and storage shed.

Camp Lake (Lake Henry) $99,900 | #4051779 Mature lakeshore lot in a quiet neighborhood. Excellent fishing lake! Build in privacy, with a new home tucked in the trees.

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.


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).

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Outfitting Trips in Central Minnesota Your Favorite Gear and Equipment 100 Pine Street Clearwater, MN Store 320-558-8123 | Cell 320-469-1590

Sugar Lake Access $219,900 | #4041823


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

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

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

A.M. Boutique


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


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residential come home to brand new

Maple Lake


Maple Lake

$149,900 | #4001092

$79,900 | #3951733

$149,900 | #4051008

Own a brand new home, in a well kept and

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

add your own touches by choosing the flooring,

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

established neighborhood! Ready for you to

paint colors, and appliances! Located within

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

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

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

done in 60 days.


$489,900 | #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. You 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!


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Annandale $74,900 | #4040767 Perfect starter home! Newer shingles, siding, windows. Large, fenced backyard. Basement partially finished. add your own touches! Fireplace.

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!

Maple Lake $154,900 | #4047646 Well kept and cared for, this home shows a lot of TLC! Finished walkout basement, patio, 10x12 deck, in-ground sprinklers, ready to move-in!

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.

Annandale $39,900 Meticulously cared for, spacious doublewide on a landscaped lot. 3 bedrooms, master bath with garden tub, kitchen island, seamless gutters.

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

Interested in pursuing real estate as a profession?

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

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Maple Lake $169,900 | #4056732 Great home with three bedrooms, two baths, vaulted ceilings, insulated garage in a quiet neighborhood. Walkout basement to nice backyard.

Albion Township $59,900 | #4036915 Cozy country home on 1.6 acres. Near many lakes and just a mile from Albion Ridges GC. Interior nicely updated. Great rental or retirement.

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 | #4051909 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.

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


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Clearwater $69,900 | #4046440 Newer, well cared for end unit town home with fantastic views. Nice deck, insulated garage. Carefree living awaits. Great location!

Maple Lake $339,900 | #4056829 Beautiful home on 1.5 acres. Many upgrades and well-kept. Large deck, great porch, master suite private deck! 30x46 pole shed.

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

Clearwater $129,900 | #4041490 Spacious 4-level in a great neighborhood. Large master, game day family room, approx. 2,000 finished sq. ft. One block from park. Ideal!

Annandale’s 122nd Annual 4th of July Celebration! Thursday July 30th through Monday July 4th A complete list of events, locations and times can be found online at

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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.

Under the Water Tower!

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

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.


For life’s many

For Life’s Many Celebrations Est. 1892

MAIN STREET, ANNANDALE 320-274-5313 & jewelry

certified clock, watch


M onday -T hursday 9-5:30 | F riday 9-6 | S aturday 8:30-3

and by appointment


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Annandale $229,900 | #4049675 1.45-acres with a 3 bedroom country rambler that has a huge 3+-stall insulated garage with in-floor heat! 4-season porch, deck, finished LL.



Annandale $279,900 | #4043426 Breathtaking country home on a dead end street. Four bedrooms, four baths, theatre room, wet bar, porch, gas fireplace, and insulated garage!

Maple Lake $259,900 | #4048942 Original classic charm with energy efficient updates. Beautiful builtins, roof and siding 3 years old. Four bedrooms, on almost 3 acres.

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

South Haven $125,887 | #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 4,244 times. Have you seen one yet?

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$399,900 | #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 28

of Clearwater

(320) 309-1739

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$1,095,000 | #3941878


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

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

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

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LAND ready to build country lots

10 Acres, Annandale

25+ Acres, Clearwater

9+ Acres, Clearwater

$99,900 | #3947433

$134,900 | #4043252

$89,900 | #4016348

Blend of trees and lowland located between

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

ing, abundant wildlife! Use now and build your

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

Clearwater Lake and Bass Lake. Great hunt-

dream home on this private 10 acre lot later on. Or maybe build a storage shed to rent out to nearby boat owners?

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

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

build your dream home.

Clearwater $79,900 | #4051116

Annandale $27,900 | #3897812

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

Fantastic 10-acre property with 1 building

Beautifully wooded, 1.73-acre lot in an estab-

Just South of South Haven on County Road

nearby. Rolling hills, woods, wildlife!

comfort of homes nearby. Not far to town!

able. Corner parcel.

entitlement. Peaceful area, with access to I-94

lished neighborhood. Enjoy privacy with the

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

South Haven $59,900 | #3984910

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

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

Level lot with approximately 75’ of Clearwa-

Tillable land just north of Lake Sylvia. Beauti-

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

Lakes. Access to shared park. Great views!

Edge of South Haven, more land available.

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

ter River frontage. Access to Grass/Clearwater

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

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

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

Annandale $59,900 | #4017357

Maple Lake $59,900 | #4039249

28 oversized, single family lots available in this

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

Beautiful 3-acre country lot. Mature parcel per-

Ridge. Quick commute to St. Cloud!

1-acre. Neighborhood of quality-built homes.

looks a pond, located on a quiet road.

new “green” neighborhood! Views of Powder

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

fect to build your dream home on. Lot over-

Hunter’s Cove Limestone Trails From $49,900

Sauk Rapids $360,000 | #4056537

Views of Lake Sullivan $49,900 | #3995348

Four lots available at Limestone Trails. Large

Private hunting preserve. 80 gorgeous acres of

Privacy is yours with beautiful views. Heavily

outlot and lake access. Ideal for nature lovers.

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

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

acreage lots with mature trees, trails, 25+ acre

woods and water. Keep it to yourself or split into

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

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

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

Kimball $200,000 | #4043754

Rolling farmland bordering the city limits of

Rolling acreage with amazing countryside views,

Development land, commercial, residential,

age on Hwy 55. Pond in the NW corner.

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

Frontage on Highway 55 and Elm.

South Haven. Two building eligibilities. Front-

Annandale $89,900 | #4024401

sunsets and wildlife. Area of newer, prestigious South Haven $39,900 | #3995479

Picturesque setting for your future dream

Gorgeous wooded, 1.6-acre lot. Quiet and

Rd 3. Close to Lake Sylvia and Lake John.

home. Close to Fairhaven.

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

secluded location to build your new country

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

Clearwater $79,900 | #4051116 Fantastic 10-acre property with 1 building entitlement. Peaceful area, with access to I-94 nearby. Rolling hills, woods, wildlife!


Silver Creek Heights Silver Creek Heights From $69,900

Cokato From $29,900

South Haven $47,900 | #3984907

Upscale development offering private lots open

Three nice lots in the City of Cokato, ready for

Lot with great views of the Clearwater River

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

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

Clearwater Lakes.

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

your new home! Beautiful trees mark the corner

and water hook-up included. Access to Grass/

10 Acres, Annandale $89,900 | #4043119

South Haven $39,900 | #3979982

Silver Creek $59,900 | #4039249

Buildable, 10-acre parcel. Great open land to

Lot with views of Lake Marie. Includes 2 stor-

Rolling 3+-acre parcel near Silver Creek, nicely

screened porch. Affordable weekend getaway!

ful setting to build your new home!

build a dream house, with room for shed or outbuildings. 2 miles from town, country feel!

age sheds, 8x28 Dutchman RV with 12x24

wooded with a pond on the property. A beauti-

Annandale $35,000 | #4038618

Annandale $54,900 | #3627279

Meadows of South Haven From $54,900

Private country lot! 1.5 acres, with mature

1.87-acre lot on the SW edge of Annandale.

7 lots available, ranging from 3 to 3.9 acres.

to build your new home. On a quiet road.

conveniences of town just blocks away!

payment and 0 interest for 36 months.

trees, a great location for the nature enthusiast

Build with privacy and elbow room, with the

Kimball $399,900 | #3942499

South Haven $299,900 | #3903363

26 Twinhome lots in the new Heritage Park of

93 acre parcel of rolling farmland. Borders the

Kimball development. Utilities, blacktop, curb and gutter are in. Views of Powder Ridge!

Excellent Contract for Deed terms, low down

City Limits of South Haven. (2 building eligibilities). Pond on the NW corner.

27 Holes of Championship Golf

Pro Shop 320.963.5500


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A quiet development

of large country lots, located

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

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






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

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

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

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

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

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

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

406 Creekside Drive Buffalo, MN 55313 $89,100

151 Cedar Ave. S Watkins, MN 55389 $49,000

1804 Golfview Drive Buffalo, MN 55313 $178,900

6851 Gingham Court Monticello, MN 55362 $58,900 PENDING!

510 1st Street SW St. Michael, MN 55376 $84,900 951 Acacia Drive S Annandale, MN 55302 $129,900 1010 Cristof Court Montrose, MN 55363 $154,900 6855 Belle Street Greenfield, MN 55357 $339,900 73760 CSAH 15 Dassel, MN 55325 $33,000


205 Bluff Street Clearwater, MN 55320 $75,600 PENDING! 500 Frankfurt Way Waverly, MN 55390 $89,900 PENDING!

551 Knollwood Street W Annandale, MN 55302 $124,900 PENDING! 1276 Marvin Court Delano, MN 55328 $203,700 PENDING! 6550 W Laketowne Dr. Albertville, MN 55301 $226,900 PENDING! 10141 49th Street NE Albertville, MN 55301 $229,000 PENDING!

10593 64th Lane NE Albertville, MN 55301 $89,900 PENDING! 503 2nd Street S Montrose, MN 55363 $119,900 PENDING!

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in the Heart of the Lakes 2011

Photo: Clearwater Lake, Circa 1930


4: Annandale’s Farmer’s Market Opens


June 30-July 4: Annandale’s 122nd Annual 4th of July


(8-12 am, City Hall Square, Saturdays through Oct.)

Celebration begins. For a full list of events visit

19: Movie in the Park: Irish Stadium, Maple Lake,

4: Maple Lake All-City Garage Sale

dusk (tentative)

10: Concert in the Park: Annandale Community Band,

4: Parade, 10 am - Miss Annandale Coronation, 7 pm

20: Maple Lake Days of Old Celebration

7 pm (all concerts Annandale City Park near the lake,

followed by Live Music and Fireworks, City Park

21: Fiddler’s Festival, Pioneer Park, 11 am - 4 pm

Pavilion if rain)

8: Concert in the Park, Douglas Wood, 7 pm

26: Concert in the Park: Laura Caviani Jazz Duo, 7 pm

24: Concert in the Park: Cannery Row, 7 pm

8: Movie in the Park: Irish Stadium, Maple Lake, dusk


(tentative) 17: 26th Annual Heart of the Lakes Triathlon 22: Concert in the Park: Galactic Cowboy Orchestra, 7 pm

12: Concert in the Park: From 35, 7 pm

11: Fly-In and 24th Annual Pork Chop Dinner, Maple Lake Municipal Airport 24: Movie in the Park: Irish Stadium, Maple Lake, dusk (tentative)

So many

great ways


the summer here!

commercial new business? we have your location.

Main Street

Main Street

Highway 55

$84,900 | #4001242

$114,900 | #3902412

$699,900 | #3978485

Charming red brick storefront in a prime lo-

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

foot traffic makes this a great location for of-

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

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

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

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

rior cement floor, and plumbing.

Whispering Pines Golf Course


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

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

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

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The Bay Club

$698,000 | #3953658


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

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

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


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Fairhaven $99,900 | #4058062 Corner, downtown commercial building with adjacent rental home. 1,152 sq. ft. vaulted room with wood floors, 9x9 office, storage.

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

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

Cokato $449,000 | #3975559 Commercial opportunity in the heart of town. Great location with high foot traffic. Established businesses currently leasing. 8 units.

For Lease

commercial space available

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


Maple Lake $429,900 | #4056645

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

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

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

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

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


M-F 9-6 Sat 9-5 Sun 10-4 FINE GIFTS AND GREAT FINDS 10 Oak Ave. Nor th 40

Open 7 days a week year round for YOUR convenience!

Annandale’s Main Street

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

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lake maps Explore and enjoy area waters

City Park, Beach, Fishing Pier, Public Access

509 acres

3 Public Access, Fishing Pier

City of Annandale

pleasant lake


Map images available online at

Clearwater/Pleasant County Park

3 Public Access

french lake 332 acres

Grassy Island

granite lake 339 acres

3 Public Access

Map images available online at

lake john 411 acres


Public Access

3 Public Access

3 Public Access

cedar lake 837 acres

Map images available online at


Public Access

777 acres

maple lake

Public Access


Public Access

3 921 acres

lake francis

Map images available online at


Bell Point

sugar lake 1,015 acres

indian lake 3

Public Access

Public Access


n ne l

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

(both lakes combined)

Lake Sylvia Peninsula

Bull’s Island

3 Public Access

Map images available online at

otter lake

3 Public Access

Bungalow Island

3 Public Access

l a k e au g u s ta 178 acres

grass lake

bass lake 218 acres


Public Access

The Narrows

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

Map images available online at

Grass L Otter Lake


Lake Caroline Lake Louisa

Lake Marie Lake Augusta

Clearwater River

Clear La s o u t h h av e n

Lake Betsy

Pleasant Lake Lake John

Lake Union


Lake Sylvia Pickerel Lake Moose Lake

Lake Francis French Lake

Granite L Crow River

Limestone Lake


Bass Lake

Sugar Lake Silver Lake

Indian Lake

rwater ake

Cedar Lake

Mink Lake Somers Lake Lake Mary

Swartout Lake

Maple Lake maple lake

Ramsey Lake

Lake Map images available online at

call. click. come in.

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

maple lake office


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

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

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