Heart of the Lakes Property Portfolio | Summer 2022

HEART OF THE LAKES PROPERTY PORTFOLIO | SUMMER 2022

STAFF

STEV E B RU GGEM A N

Broker, REALTOR®, gri, crs steve@oakrealtymn.com (320) 274-6363 (612) 889-5245

GARY DAGNE R

DE A N H OG LU ND

Associate Broker, REALTOR®

dean@oakrealtymn.com (320) 980-2445

REALTOR®, gri

gary@oakrealtymn.com (320) 309-1739

A M Y M C N E LLIS

T I F F I NI K I E BE L

amy@oakrealtymn.com (612) 963-4190

tiffini@oakrealtymn.com (763) 464-2048

REALTOR®, gri

REALTOR®

M E G A N JON E S

AMY S P I E L MANN

REALTOR®

REALTOR®

megan@oakrealtymn.com (320) 828-1308

CAR L A S U N DB LAD

amys@oakrealtymn.com (320) 309-5393

REALTOR®, gri carla@oakrealtymn.com (320) 493-1361

J E NNA P OT T E R

REALTOR®, gri, crs

jenna@oakrealtymn.com (612) 801-4967

ANGI E BOY E R

Office & Marketing Manager angie@oakrealtymn.com (320) 274-5737

OFFICES

Inside 6

LISTINGS

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AREA MAP

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AGENT PROFILES

AN N A N DA LE O FFIC E

720 Elm Street East | PO Box 298 Annandale, MN 55302

Local: 320.274.5737 Fax: 320.274.8210

ONLINE www.oakrealtymn.com

www.facebook.com/oakrealtymn

www.youtube.com/oakrealtysince1974 www.instagram.com/oakrealty720

PUBLISHING INFORMATION The Heart of the Lakes Property Portfolio is published each Spring, M A PLE LA KE OFFIC E

501 Maple Avenue North | PO Box 564 Maple Lake, MN 55358

Local: 320.963.2088 Fax: 320.963.2089

Summer, Fall and Winter. Advertising inquiries can be directed to homes@oakrealtymn.com.

DISTRIBUTION The Heart of the Lakes Property Portfolio is distributed at a number

of local businesses and establishments. If you would like a copy mailed directly to your home or business, just drop us an email, we would be happy to send you one.

DIGITAL EDITION You can view an interactive digital version of each Property Portfolio

edition online at www.issuu.com/oakrealty. Contact us or sign-up on our web site to have it emailed directly to you.

Since 1974

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Icon indicates 3D Virtual Tours and Property Trailers available.

COV E R P H OTO : Lily at the Oak Realty Annandale Office Although the foregoing data has been compiled from sources deemed reliable, Oak Realty LLP does not guarantee its authenticity. It is intended for informational purposes only, is subject to prior sale, omission, error, revision and cancellation without notice, and should be independently verified with the source of such information.

As a company, there are a few things that we

believe

EDUCATION FIRST Our focus in every working relationship is on educating our buyers and sellers to the very best of our ability. If you are well educated, we believe you will feel comfortable with the sales process and be prepared to make the best decisions for yourself.

LOCAL KNOWLEDGE MATTERS We know the neighborhoods, woods, roads and water. How is the fishing? What length would the school bus ride be? Is this road

plowed in the winter? There are thousands of good questions. Your agent will have answers.

RELATIONSHIPS ARE IMPORTANT We maintain strong relationships with service providers in our

area that you may need in your purchase or sale. This assures you

that you will have quality answers and solutions when questions or an unexpected problem arise.

TEAMWORK IS ESSENTIAL Our agents are independent, but are supported by the whole of the office. We believe that working together impacts our service in a

powerful way. When we help each other out, we are able to better serve our customers and clients.

NEGOTIATION IS KEY Putting an offer on the table as a buyer, or reviewing an offer that is being presented to you, is a pivotal moment in any search or

sale. Guidance that is clear, informative, and sincere is important.

Our agents will take you through each step with your best interest in mind.

WE ARE A MARKETING COMPANY We are driven by creativity, excellence and innovation. Advertising should be smart and targeted. One checklist does not apply to all,

so expect a plan that is customized to your one-of-a-kind property!

Beware, we love to talk marketing!

THIS SHOULD BE FUN We don’t deny that buying and selling real estate can be among

the most important decisions you will make, but we hope it will be fun too. We are privileged to be your guide, and hope that in the end, it is a road you will be glad you traveled.

LAKE LOUISA

6719 ASPENWOOD COURT, SOUTH HAVEN $765,000 | #6185772 Fantastic opportunity to own a lake home on stunning Lake Louisa! This property spans across 100 feet of sandy lake frontage offering fantastic views of its calm waters, from the deck, spacious back yard, and even the kitchen table. Custom built throughout, you will thoroughly enjoy all the love and thought put into building this 3 bedroom 3 bathroom home! From the custom-built kitchen, built-in storage cabinets, oversized windows, surround sound, high end fixtures, spacious master bedroom with walk-in closet, walk-in shower, screened in porch, bonus office room and ample storage rooms, mud room, and even a wet bar!

2 fireplaces, in-floor heating on the lower level and in the 2-stall garage. Entertainment is a breeze, from the sandy beach side, large back yard with irrigation system, lakeside firepit, and deck. Gentle slope to the lakeshore gives breathtaking views.

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COMMERCIAL LOT

2XX ELM STREET W, ANNANDALE $39,900 | #6155655 Great business opportunity offering a prime high traffic location in the city of Annandale, property is next to Holiday Station Store and

McDonald's. Located on the corner of Highway 55 and Excelsior Avenue, next to the stop lights. This commercial lot includes .2 acres of ideal

road frontage. Property is zoned C-2 with excellent visibility. Annandale is a fantastic community offering a well sought out school district, many established businesses, and wonderful parks and beaches.

LAKE AUGUSTA

10255 NEVENS AVENUE NW #30, SOUTH HAVEN $125,000 | #6190128 Leisurely living in the heart of the lakes in Timberwoods Resort Community. Timberwoods Resort sits on the shores of Lake Augusta which has access into Clearwater Lake. Looking for summer fun then this seasonal resort is the perfect get away. 2020 travel trailer has all the ameni-

ties you will need for your escape at the lake. Enjoy all the amenities the resort has to offer. Resort is in great location to local attractions and activities. This is great opportunity for summer lake fun in resort style living.

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CLEARWATER LAKE

9350 STATE HIGHWAY 24 NW, ANNANDALE $649,900 | #6155329 This spacious country home is situated on 1.7 acres offering a private setting. Family and friends can spread out with a large level yard offering 3 sides that are wooded and the forth side faces to the West with gorgeous lake views and sunsets. The grounds are complete with beautiful landscaping and is set for outdoor entertaining. Enjoy plenty of space with 5 bedrooms, 3 bathrooms, family room, recreation room, living room, kitchen, and dining room that opens to a large deck with views of Clearwater Lake. Dream big with plenty of space including an attached oversized double garage. Also, the property includes a 30x26 detached garage that is insulated, heated and even air conditioned for year-round fun and room for all your toys. Have even more space with a 16x16 lean-to and 8x12 garden shed. 202 feet of amazing hard bottom lakeshore offers incredible sunsets views to the West. Contract for deed options.

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GENEVA Twin Homes Heights W

elcome to this wonderful development located

in the heart of Maple Lake. Offering one-level twin

homes with the ease of being association maintained.

The open concept homes are complete with two

bedrooms, two bathrooms and a double garage, all on

a concrete foundation. These quality built homes offer care free living. Listed at $274,900.

Contact:

TIFFINI KIEBEL

GARY DAGNER

Cell: 763.464.2048 tiffini@oakrealtymn.com

Cell: 320.309.1739 gary@oakrealtymn.com

Seriously Local

because we embrace the Heart of the Lakes

OUR ROOTS START HERE At the heart of who we are, and why we all love what we do, is the Annandale area itself. The Heart of the Lakes, as it has long been

called, is a wonderful lake country area that attracts young families and retirees. Many who once vacationed here now live here full time, and it’s no wonder why. It’s a charming small town with

great schools and endless recreation. It is important to us that

we surpass being just knowledgeable of the area, and that we also

provide you with service that goes above and beyond. As clients of ours, you will be treated like a neighbor... because you are. There

are a couple of things at the core of what “Seriously Local” means:

NICHE MARKETING Our focus is here. We know the local market, and its history,

extremely well. If you’re looking at property and want to know

specifics about fishing or a local school bus route, we have your

answers. If you’re selling, these are things your buyer will want to

know about too. As an independently-owned office, we make all of our own decisions, and at the heart of those decisions are what is best for serving our clients and the community.

LOCALLY-FOCUSED TECHNOLOGY We won’t adopt a tool or system just to impress you, but we will

implement technology that makes sense for you as a buyer or seller. For that reason our web site, www.oakrealtymn.com, is useful

and full of local information. It offers quick links to area lakes, a

fantastic map search, and upcoming open house information. Our daily hot list is a favorite, and the only resource of its kind for immediate updates solely on the Heart of the Lakes market.

HEART FOR THE COMMUNITY This area is much more than the place we work. We are all active in the community, from various non-profit/civic groups to lake

associations, schools and churches. We love participating in local traditions like Annandale’s historic 4th of July parade, Maple

Lake St. Patrick's Day Parade, Clearwater Heritage Days Parade, Annandale Expo among many others. We also join in to support other surrounding communities in their celebrations as well.

COUNTRY LOT

14984 HIDDEN RIVER DRIVE, SOUTH HAVEN $84,900 | #6168591 Brilliant views of the countryside, Clearwater River and nature's wildlife can be had right out your window. This is an ideal location for

your dream home with plenty of space for a pole shed and gardens. This level lot is set in the Hidden River Addition offering paved roads, walking paths and a trail leading to a community dock with benches and a canoe rack set on the Clearwater River. Spend your days canoeing down the river while you relax as you take in the views. Enjoy an established development offering large country lots with a beautiful country setting. Located in the well sought out Annandale School District and close proximity to many area lakes.

40 Oak Ave S, Annandale 12

tr

COMMERCIAL LAND

150 STATE HIGHWAY 55, KIMBALL $150,000 | #5247971 Ideal site to move your business or start a new business. Prime exposure and location for your business to succeed. Located on Highway 55 the lot

provides great access for your customers and great exposure for your business. The lot is .69 of an acre so would make a great spot for an insurance office, bank, coffee shop and so many more business ventures. Bring your established business or idea and watch your business flourish. Kimball

is a growing community and a great location to relocate your business and grow with the community. Access from Highway 55 and side street.

Prime location with Highway 55 frontage.

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Country Acres Welcome to this exquisite custom built country home on beautifully landscaped 2.51 acres. Once you enter this gorgeous home you will appreciate the attention to detail with the quality finishes and upgrades that are showcased throughout the home. As you move from room to room you will love the openness and design on this well thought out floor plan.

This home is a 10 for entertaining friends and family with a stunning kitchen that opens up to 2 dining areas, huge screen porch area that is a must see, and large side deck the walks down to the private in ground pool area. The lower level offers an exceptional recreational space with bar and gaming area and lower level mini suite and 2 additional bedrooms. This is a must see premier property in the heart of lake country.

7072 Ivory Avenue NW, South Haven Offered at $850,000 | #6206393

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Listin g in f o rm ati on on pag e s 14-15.

Find your way 10 years ago, Lake Sylvia cabin owners Jim Struble and Tim Schmidt had a vision. That vision was to bring a casual and high quality Christian worship experience to Lake Sylvia. Why? They realized that so many cabin owners didn’t want to leave the lake to attend a church service on Sunday mornings. So they did some research on ‘why don’t people go to church?’ They learned things like; church lasts too long, fear of being judged, it’s boring, they only want your money, they’re hypocrites, I don’t feel closer to God, feels more like jail.

Over the last four summers, they have worked alongside a talented team of Lake Sylvia residents - Pastor Bill and Nancy Bohline, Carla Struble, Mark Struble, Jake Struble, Adam Skoog, Will Skoog, Tysann Forsman, Chef Papa Tom Westman and Jeanette Schmidt. They have averaged 1,500-2,000 total attendees at 4 or 5 gatherings. Typically, the gatherings are concentrated on the Sundays with the most activity at the lake. Memorial Day, 4th of July, August and Labor Day. Gatherings start at 10:33am and last for 39 minutes. Acts 10:33am says, “We are so glad that you have come. Let us listen to what God will tell us.” Pastor Bill Bohlines message last Sunday said, “Our nation is broken, and we are Christ’s representatives, and He is making an appeal to the world through US! 2 Cor 5:20. Join them – grab a homemade caramel roll from the Welcome Boats, and learn to bring biblical wisdom and order to worldly chaos.

-Tim Schmidt

COUNTRY ACRES

9501 42ND STREET, CLEAR LAKE $624,900 | #6195778 TRANQUIL! Simply gorgeous, this custom built, one-owner home sits on a peaceful 5 acres surrounded by mature trees overlooking a scenic pond.

Perfectly located within walking distance to The Briggs Lake Chain of Lakes, the Palmer Park, and all the lovely township of Palmer has to offer! One story home built in 1991 has had many amazing updates that radiate as soon as you step foot on the property! The vaulted, in-floor heat kitchen beams with raised maple cabinets, black granite counters and a striking granite island with a matching granite dining table. With so many rooms to gather you will have your choice between the tongue & groove cedar sunroom, cozy sunken living room, expansive master suite, fully finished LL or the hot tub room and that's just inside! The 3-car detached garage is partially heated and a great addition to this special property!

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CLEARWATER RIVER

13408 COUNTY ROAD 7, SOUTH HAVEN $549,900 | #6206722 Stunning country property with the Clearwater River meandering through the 2.95 acres. Complimenting this serene landscape is stately 2 story custom built home that blends perfectly with the natural beauty of the property. Great layout in the kitchen and living room area that meshes with all of the windows that allows the outdoor scene to be part of your home. Home offers 4 bedrooms and 3 baths, spacious room sizes and the country look you so desire. With the amount of the wildlife that comes through the property it feels like you have a private zoo out your front door. With 600 +/- feet of river frontage plenty of spots to enjoy great fishing and wildlife viewing. Enjoy taking a day trip either by kayaking or canoeing all the way to Clearwater Lake. If you are looking for a little bit of everything that nature offers then this could be the place to call home.

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MISSISSIPPI RIVER

1XX MAPLE STREET, CLEARWATER $250,000 | #6163968 Unique investment opportunity overlooking the Mississippi River located near Clearwater's Historic Main Street. 1.75 beautiful acres ready for

an entrepreneur's creative touch or your dream home. Zoned R-4 Residential Low Density while also being in the Wild & Scenic Corridor this vacant lot would be ideal for single family homes, a two-family dwelling, townhomes, or manor homes with city water and city sewer connection

close by. Surrounded by mature trees for added privacy, this level lot can be subdivided into 7 lots. Contact Clearwater's Zoning Administrator

CITY LIMITS

for further land use information. Conveniently located near I-94 and County Road 24.

925 MAIN STREET, CLEARWATER $149,900 | #6213647 Great opportunity to own an affordable one level home in the heart of downtown Clearwater. Large front patio to relax and entertain. Home offers 2 bedrooms plus a den, extra deep 1 car attached garage, spacious living room and open kitchen that has been updated over the past few years. Home is located near city parks, shopping and all that Clearwater has to offer. Plenty of yard space for outdoor activities with a honey crisp

apple tree to boot. With rear of home built into the hill the home is energy efficient when it comes to heating and cooling. If you are looking for

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efficient easy living this is the home for you.

PLEASANT LAKE

8158 STATE HIGHWAY 24 NW, ANNANDALE $435,000 | #6203661 When it's time to take a break from the hectic big-city life, the Heart of the Lakes is the perfect place to call home. It's time to put down roots in this remarkable home with nearly every space newly remodeled. Admire the views of Pleasant Lake from the stunning kitchen offering quartz countertops, marble backsplash, custom cabinets, luxury lighting and vinyl plank flooring, large center island with seating opening to the dining room including custom built-in hutch complete with tons of storage space. Walk-out to the lakeside maintenance free deck with fantastic lake views! Gather in the comfortable family room finished with shiplap walls and a custom gas fireplace. The home is finished off with 3 bedrooms, laundry room and 2 bathrooms. Entertain with a spacious backyard and 101 feet of shoreline. Whether you're ready for a sunset cruise or spending your days relaxing on the sandy beach, you have found the place!

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Summer 2022 in the Heart of the Lakes

July

June 30-July 4: Annandale’s Annual 4th of July Celebration | For a full list of events visit www.annandalechamber.org 4: Parade - 10am, Miss Annandale Coronation - 5pm followed by live music and fireworks at dusk, City Park 4: ‘Oak on the Water, Fire in the Sky’ - during the fireworks 6-10: Granite City Gunslingers, Kimball Rod & Gun Club 8: Heart of the Lakes Cruise-In, Annandale Main Street 8-10: Pickers Festival/Car Show & Rendezvous Tenders, Pioneer Park 15: Concert in the Park - TBD, Annandale City Park 29: Concert in the Park - The Revolution 5, Annandale City Park *** Wright County Swappers Meet - Saturdays through the fall

August

5: Clearwater Heritage Days 8-10: Cokato Corn Carnival | For a full list of events visit www.cokatocorncarnival.com 12-14: Kimball Days | For a full list of events visit www.kimballdaysmn.com 12: Heart of the Lakes Cruise-In, Annandale Main Street 12: Concert in the Park - The West Metro Big Band, Annandale City Park 13: Granite City Gunslingers, Kimball Rod & Gun Club 19: Concert in the Park - Annandale Community Band, Annandale City Park 20: Maple Lake Gear Head Get Together 21: Feast of Friends, The Boathouse at ‘Tween Lakes

COMMERCIAL LOT

46 Birch Avenue South Maple Lake, MN 55358

5XX ELM STREET EAST, ANNANDALE $149,900 | #6160061 Prime location off of busy State Highway 55 and Kendale Avenue South. This corner sight is ideal for a food franchise, customers will love the

convenience and access from the highway. The spacious level lot spans across .29 acres with amazing visibility offering plenty of possibilities for a drive-thru location. The city of Annandale has many established businesses and is a growing community, this would be an ideal location for a new business venture...bring your ideas!

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COUNTRY ACRES

12205 STATE HIGHWAY 15, KIMBALL $599,900 | #6213199 Kick back on your front porch overlooking 46+ acres of secluded countryside. This farmhouse inspired home has been nicely updated offering high

quality finishes. Many gathering areas make entertaining a breeze with plenty of space for a large family including a spacious kitchen with a center island, large dining room that leads to the living room, three bedrooms & two bathrooms and backyard deck offering stunning views. The highlight of the property is certainly the 48x72 shed offering 1,488 finished square feet complete with a bathroom, spacious central room, offices, 24x40 heated shop and a 14x48 lean-to. Detached garage, garden shed and loafing shed with a fenced-in area finishes off this must see property.

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3802 HAYWARD COURT S, MONTICELLO $369,900 | #6182304 5 bedroom, 3 bathroom home nicely located near many of Monticello's attractions. The main level family room will draw you in with the inviting fireplace surrounded by built-in shelving. The main level also provides a half bathroom, laundry, built in desk with shelves, and sliding doors that lead to a concrete pad in the backyard. Head to the second level to find a vaulted living room, kitchen, and dining room that leads

to the backyard deck. The third level offers three bedrooms and a full bathroom. Conveniently located on a neighborhood lot surrounded by mature trees that back up to a vacant field.

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320-274-1632 | 58 OAK AVE N, DOWNTOWN, ANNANDALE

HERITAGE PARK OF KIMBALL A development with the future at heart. Parks and paths to enjoy and rain gardens. Easy access to skiing, golfing, boating and shopping. Use your own builder or use one of ours.

Fantastic twin home lots are available.

GARY DAGNER cell: 320.309.1739 gary@oakrealtymn.com

CARLA SUNDBLAD cell: 320.3493.1361 carla@oakrealtymn.com

YE A RRO U N D A VA IL A B IL IT Y

Sylvia’s Family Lodge

VACATI O N RENTAL

7470 PILGER AV EN UE N W, S OUT H H AVE N ON L AK E SY LV I A

Retreat to luxury and relaxation in this expansive, 6,498 sq. ft. vacation home tucked in the woods on the

pristine waters of Lake Sylvia, just West of Annandale in the beautiful Heart of the Lakes. Built to blend

naturally with the setting, this custom 6 bedroom, 7 bath home offers high quality accommodations and wonderful gathering spaces for a large family with an unbelievable setting for entertaining. Designed with

an open floor plan, a lakeside wall of windows, and bathrooms for every bedroom. There are functional

spaces for every member of the family: adults will enjoy the upper level Office Area, lower level Fit Room... kids will love the upper level Bunk Room with private Nursery Room, a marine-themed Craft Room, and Tough Room (complete with indestructible walls!) The exterior of the home features a gorgeous view

framed with mature trees, large decks, lush landscaping, a paver patio, and best of all - spectacular sand shoreline and crystal clear waters. Are you ready for a family getaway or business retreat?

ANGIE BOYER Tel: 320.274.5737 angie@oakrealtymn.com

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MISSISSIPPI RIVER

70XX 101ST STREET NE, MONTICELLO $239,000 | #6164107 Beautifully wooded lots on the mighty Mississippi River! Bring your plans to build your dream home, with roughly 200 feet of river front

and located on a nice private road. These lots are close to the heart of Monticello that will leave you not only enjoying the Mississippi River views, but will also give you convenience for all your shopping and entertainment needs. These lots need to be sold together, come check out these stunning lots!

Contact Informati tio on: 320-274-6336 Backyardmn.com info@backyardmn.com 30

Locati tio ons: 940 Elm St E, Annandale MN 55302 24142 Smiley Rd, Nisswa MN 56468

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Lake Sylvia Lots listed at $765,000

elcome to this scenic upscale development set on the truly breathtaking shores of Lake Sylvia.

Hannahs Landing offers a private setting on a dead-end road of the Northshore located in Koinonia Cove. Lots are approximately 5 acres boasting 200’+/- feet of lakeshore including plenty of space for expansive gardens and outdoor activities. Appreciate the outdoors with rolling wooded acres leading to the stunning shoreline on one of Annandale’s most pristine fishing and boating lakes.

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BEACH SMORE'S SKIING FRESH-AIR MEMORIES HUNTING FRIENDS SUNRISE GARDENS WILDLIFE VIEWS PARADE CAMPING

SUNSETS CABINS SWIMMING FAMILY LAKESHORE FALL-COLORS COMMUNITY FARMS FISHING PARKS S

You Might Just Love it Here x

SNOWMOBILING RELAX WAKE BOARDING WAVES CANOEING SMALL TOWN CROSS COUNTRY SKIING FRESH

UNWIND SNOWSHOEING LOUNGING TRANQUIL ICE FISHING SOFTBALL CARNIVAL BOATING PEACEFUL BIKING TOGETHER MUSIC

SUMMERTIME TRAILS FOREVER HOME WALKS PIER SWIMMING BONFIRES FROZEN-LAKES DESTINATION

H WATER GRILLING RAINY DAYS FARMERS MARKET GOLFING RICH HISTORY SUMMER BREEZE HOLIDAYS

EXCEEDING EXPECTATIONS

one design at a time

CITY LIMITS

www.jklandscape.com | 320-558-4445

70 MAPLE AVENUE N, ANNANDALE $275,000 | #6189980 Prime opportunity in the heart of the Annandale to own this mixed use building. Upper level is apartment and lower level is commercial use. Whether

owner user or investor this is an excellent investment for your real estate portfolio. Upper level apartment has 2200 square feet of living space with great open layout and spacious room sizes. The apartment was added in 2004. The commercial portion of the property has around 3390 square feet of

commercial space. Along with the apartment and commercial space there are 2 sheds located on the property that could be used by owner or additional

rental income. Bring your commercial ideas for the lower level. Could be used for an individual business or make multiple rental spaces in the lower level

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for several businesses. Property offers ample parking on site. Great views of the town from the upper level deck.

COMMERCIAL

207 WALNUT STREET, MONTICELLO $239,900 | #6176583 Remarkable commercial property with plenty of office space for all! Over 6 private offices and a front desk with wonderful and newer windows that let tons of sunshine in. The expansive lower level offers a meeting space, two bathrooms, and sauna for the long work days! Great opportunity to run your own business out of this space or lease out for income producing. This amazing location sits back off of Highway 25 and Monticello's high traffic Broadway Street. Located around many other reputable businesses, this location is ideal! Zoned CCD-Central Community District and within the Cedar & Broadway sub district. Call the city for further questions on future use plans.

COMMERCIAL

209 WALNUT STREET, MONTICELLO $229,900 | #6176272 ENTREPRENEURS, investors, business owners here is your chance to OWN a building in the ever-growing community of Monticello. Originally a single family home, this building offers a front porch, back deck, main office area with two additional office spaces, common kitchen/

dining area, half bath, newer upper level space ready for some finishing touches, and a full unfinished lower level ideal for storage. Immensely

charming wood work spreads across the main level with 9 foot ceilings and several brightening windows. Conveniently located off of Highway 25 and extremely active Broadway, this property sits among other reputable businesses.

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What We Do For You

We are proud to be an innovative company. We are always seeking new systems, tools, and solutions to bring into our business that help you buy or sell your cabin, lake home, or house with greater confidence and ease. Our Seriously Local expertise is ultimately much more than selling a property. It's building a community! We won’t adopt a tool or system just to impress you, but we will implement technology that makes sense for you as a buyer or seller. When we market your property, we will make sure it looks its very best. Highlighting your investment is key, and we have the tools to do it. We help you turn someday into right now!

High Definition Photos Buyers deserve quality pictures, and we are dedicated to providing images that showcase your property from each and every angle.

These photos allow views to see the outdoors clearly with out the windows being 'blown out' We use high definition photos for all our listings, we own all the equipment so we are able to update photos with ease for our sellers as many times as we need to.

3D PHOTOGRAPHY Open Houses Simply put, we believe in Open Houses. By opening properties similar in price, style or location at the same time, we also give buyers the convenience and opportunity to see more homes at once. Sellers love the increased traffic. Our signs flood the area, often on Saturday’s from 11-1, when so many people are out

OPEN HOUSES Digital Marketing New technologies and buyer trends are constantly emerging, we need to stay on top of how we are serving our buyers and sellers. Our clients recognize the importance of property information that is easy and fun to view. Our custom property videos on our YouTube Channel are one-of-a-kind, and with each printing of our Property Portfolio, an interactive digital edition is also shared on our web site.

and about. Our popular Open House page on our web site lists all area opens houses.

DIGITAL MARKETING

Virtual Tour Camera Imagine taking the roof off your home and looking in to see just about every detail, or walk through the home right from your computer and get a clear sense of the space. This cutting edge technology puts buyers inside your home and they can experience fully immersive virtual spaces that feel so real, it’s like being there! We

3D VIRTUAL TOUR

have this camera 'in house' and are able to offer this technology to all of our sellers.

Property Portfolio Our Heart of the Lakes Property Portfolio is a beautiful catalog, published seasonally, that includes all of our area listings. The portfolio also includes wonderful lifestyle pieces showcasing the Heart of the Lakes area. They are distributed in a number of local establishments and mailed directly

PROPERTY PORTFOLIO

to hundreds of clients who are specifically looking to buy in our area.

Client Education If you are well educated, we believe you will feel comfortable with the sales process and be prepared to make the best decisions for yourself. An extremely important aspect of our office is making sure our clients are well educated in the market and understand the real estate process from beginning to end.

We are here to create a simple and enjoyable

SIMPLE PROCESS

transaction each and every time.

About Our Team Among us are local graduates, former local business owners, lake association presidents, and community volunteers. We are your Annandale Area Specialists. Our eager, educated staff of individuals love this area and know it well. Teamwork and professionalism have long been the cornerstones of our company. From the moment you set foot in our office, you’ll find these are qualities we truly stand behind, both individually and as a team. We pride ourselves on exceptional customer care and creative marketing. We exceed in new technology, and ensure our agents have the best tools to list, market and sell premiere properties. We assist clients in finding the exact property and location to fit their needs. We know you’ll feel the difference when you work with Oak Realty.

Promise yourself a relaxed and enjoyable experience by beginning your next search or sale with us.

World Class Products exceptional service

www.anchor-dock.com DOCKS | LIFTS | RECREATION

COMMERCIAL

960 Elm Street East, Highway 55 Annandale (320) 274-6500

245 S BROADWAY, COKATO $189,000 | #6175042 Commercial opportunity in Cokato. Great location with high foot traffic, in the town Hub of Cokato. Instant income making potential, well maintained

building with 7 individual units. 3 of the 7 spaces are currently leased with long term renters with successful, well established businesses. 4 office spaces are

available for your business or to lease out for additional income. The entire mall is divided into 4 separate PID’s and are owned by 4 different individuals, all responsible for their own building interiors while they share the cost of exterior maintenance. The parking lot and sidewalk are owned and maintained by the city of Cokato, including snow removal. This is great opportunity to have your place of business and then lease out the remaining units.

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COUNTRY LOT

13XXX COUNTY ROAD 7, SOUTH HAVEN $129,000 | #6201066 Create your own private sanctuary and build your dream home centered in the middle of towering trees on this 2.61 acre lot. Several areas on the interior of lot has been cleared for potential building sites. Septic design has been completed and designed for a 4 bedroom home. With some additional clearing of trees you open up scenic views of the Clearwater River. Ample room on the lot to add a pole shed. Nature at its finest wildlife visits on a daily basis.

Prime location as lot is located near to many area lakes, parks and recreational opportunities and easy access to St Cloud and commute to metro. Bring your own builder and start building your custom home.

LAKE CAROLINE

4XXX BRADFORD ROAD, SOUTH HAVEN $475,000 | #6212721 Rare opportunity to own large acreage with lakeshore. With almost 10 acres of property what you build and how you play is all up to you. On the shores of quiet Lake Caroline you have your own private campground on waters edge. So don’t be shy inviting friends and family, there is plenty of space for all to enjoy your retreat at the lake. The building area of the property is heavily wooded so privacy will not be issue. There are some cleared areas for possible building sites already in place. Start planning your dream home on Lake Caroline offering fantastic country and lake views! Located a short drive to many neighboring cities offering wonderful amenities.

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COMMERCIAL LAND

110 STATE HIGHWAY 55, KIMBALL $239,000 | #5248148 Prime commercial land opportunity. Prized location with exposure from two major highways. Heavy daily traffic count so your new business venture will not lack exposure. The most desired commercial lot in the area is available. Would make a great spot for a strip mall, office park

or retail outlet for multiple tenants. Ideal location for bank or credit union with drive-thru. Customers will love the convenience and access of the location. Ready for your business venture. The lot is located on the corner of two major highways creating the highest of visibility for your

business. The adjoining 0.69 acre lot is also available for purchase if more room is needed. Bring your established business or idea and watch your business grow. Sign and light poles are already on the property.

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INDIAN LAKE

112TH STREET NW, MAPLE LAKE Starting at $224,900 | 3 lakeshore lots Land in the Heart of the Lakes area is getting more difficult to find. Enjoy fantastic SW views offering beautiful sunsets. Start planning your dream property set on Indian Lake with 3 lots to choose from ranging from 2.5-3 acres. These offer very mature woods and an abundance of

wildlife. Located a short drive to the city of Annandale offering a fantastic school district with wonderful education and athletic opportunities, established businesses and shops and countless parks and beaches.

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Heart of Lake Laura

Powder Ridge Rd

45 School Section Lake 73rd Ave

83rd Ave

Kimball

Lake

Marie

Lake

sa Loui

105th St

Ol ive rA ve

Kimball Golf Club

350th St

2

55

Quinn Ave

Little John Lake

Rockwood Ave

Lake John

West Lake Sylvia

Ma in St

67th St Southbrook Golf Course 62nd St

5

Goose Lake

19

Oliver Ave

Peyton Ave

Moose Lake

45th St

A

38

55th St Quimby Ave

730th Ave

Stanley Eddy Memorial County Park

Lake Frances

M 53rd St

Willi Lak Lake Henry

37 French Lake

20th St

th

10th St

Newcomb Ave

r No

Quimby Ave

r k Crow

Fo

2

Locke Ave Mitchell Ave

Dans Lake

River

20th St

Moore Ave

Quiring Ave Rhoades Ave

27

Mud Lake

French Lake

Pleason Ave

735th Ave

3

Eagl e Cr eek

19

Anna

75th St

2

318th St

90th St

Pleasant Lake

Lake Sylvia

Ave Redwood

15

Clearwater/ Pleasant Regional Park

80th St

Union Lake

725th Ave

97th St

90th St

Scott Lake

737nd Ave

732nd Ave

44th Ave

Kingston St

Clearwat Lake

Lake Augusta

100th St

South Haven

Lake Betsy

Lake

Caroline

44

Otter Lake

Nevens Ave

135th St

44

Fair Haven

Montgomery Ave

140th St

Pittman Ave

15

8th Ave

7

13th Ave

150th St

Creek Mile ree Th

Rd et lum Ca

Powder Ridge Ski Hill

West Albion

G

French Lake Waterfowl Production Area

Seriousl 5

the Lakes

Crofoot Ave

44

Suconnix State Wildlife Management Area

Bass Lake

7

24

Sugar Lake

Indian Lake

Sandy Lake

t 112th S

Silver Creek

Lake Maria State Park

Lake Maria

Silver Lake

105th St

39

Millstone Lake

7

85th St Endicott Ave

Somers Lake Hoyt Ave

Klever Ave

Maple Lake State Wildlife Management Area

Gowan Ave

6

80th St

Mary Lake

Baker Ave

8

80th St

11

Clementa Ave

Mink Lake

Annandale Recreational Park

Eagle Lake

90th St

Dempsey Ave

Cedar Lake

andale

Endicott Ave

Gowan Ave Howe Ave

39

Ida Lake

ve on A Dill

Ireland Ave

ter

Whispering Pines Golf Course

7

Mary Lake

10th St

Hoyt Ave

Keats Ave

Albion Center

9

25th St

20th St

Rock Lake

Light Foot Lake

8

15th St

7

Albert Lake

Colbert Ave

Albion Ridges Golf Course

37th St Dillon Ave

Henshaw Lake

40th St

Ramsey Lake

White Lake

ly Local

55

Baker Ave

45th St

Lake Sullivan

Dempsey Ave

6

50th St

ve eA idg dr El

Granite Lake

50th St

Foley Ave

30th St Albion Waterfowl Production Area

37

60th St

Maple Lake

Endicott Ave

Albion Lake

Iresfeld Ave

Edward Lake

Illsley Ave

50th St

Gowan Ave

ima ke

Hart Ave

Maple Lake Swartout Lake

37

Maple Lake Airport

63rd St

60th St Keats Ave

Albion State Wildlife Management Area

127th St

Elliot Ave

120th St

Limestone Lake

125th St

Jarvis Ave

Grass Lake

Boat Launch Carry-in Access

Mud Lake

Abbie Lake

Fishing Pier

Buffalo Lake

ence working with people in a professional and respectful manner.

He was part owner of local appraisal company Dagner & Associates in Annandale, which gave Gary a knowledge of local real estate by observing both active and sold sides of the market. He is also experienced in the distressed property market (short sales and foreclosures).

For the past 25 years he has been an active, full time agent in real estate.

STEVE BRUGGEMAN

DEAN HOGLUND

B r ok e r/O wne r, REALTOR®, CRS, G RI

A s s oc i a te B r ok e r, REALTOR®

Steve, owner/broker of Oak Realty, joined his father in the family business in 1986. In 2000, he took over the company and today is the backbone of what he says is the “best team of Realtors® around.” He says Oak separates itself from others by an unmatched strength in niche marketing. “We have a limited number of agents that are specialists in an area they truly love, many have spent most or all of their lives living in the Greater Annandale Area.”

A lifetime resident of the Hasty, Silver Creek, Monticello, Maple Lake and Annandale areas, Dean’s career background has spanned a variety of positions in real estate sales, land and business development. He has owned a number of small businesses and also three real estate companies. Dean has extensive experience as a real estate agent and got his Broker’s license in 1992. Before joining Oak Realty as an Associate Broker, he owned and operated Lake Country Properties and Real Estate in Maple Lake, Emily and Outing.

He is proud of Oak’s strong philosophy of quality customer service, and the focus the company maintains on accurately understanding client needs and working together as a team. Paying attention to detail and getting the right information is the key to building successful personal relationships with clients and finding them the right property, he says.

Steve moved to Annandale at the age of 11, and grew up on Pleasant Lake where he resides today with his wife Kelly. They enjoy time spent with their two boys and their families including two grandchildren. He is a motorcycle enthusiast and enjoys traveling with his family.

He is a past president of the Lions Club and Chamber of Commerce, and a member of the Pleasant Lake Association. He says the best parts of his job have been taking over the family business, showing others the area and lakes, and enjoying the atmosphere created by the people who work at Oak. Steve specializes in investment properties and high-end vacation homes, and says he is a big believer in the Greater Annandale Area, “It’s a great place to invest in.” He is also known for his extensive market knowledge and his unmatched devotion to clients.

Steve has been designated a Super Real Estate Agent in 2014, 2015 and 2019. Steve was also named one of the ‘Best Real Estate Professionals’ from Minnesota Monthly in 2018, 2019 and 2020.

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Gary is a well rounded agent dealing with first time home buyers on up to high end real estate.

He says he loves to see the smiles on his clients faces when they close on their home purchase.

Gary has in-depth knowledge of purchasing habits, current trends, pricing structure and home values within the Annandale area.

Gary and his wife Hollie reside in Clearwater area with their three children. He is an avid golfer, and enjoys gardening and vacationing in his spare time. He is active with their children and their busy lives.

Dean’s focus is to make certain his buyers and sellers are completely satisfied with the transaction and assures them he has their best interest in mind. Dean currently operates Oak Realty’s Maple Lake office.

Dean and his wife Bonnie live on Pleasant Lake in Annandale. They are blessed with three children and seven grandchildren.

CARLA SUNDBLAD RE ALTO R® , GRI

Oak Realty welcomed Carla to their sales team in April of 2007. Carla has been a resident of the Annandale area since 1987 having lived in parts of California and North Dakota before settling in the French Lake countryside where she and her husband, a lifelong resident of the area, raised two sons, Jake and Philip.

GARY DAGNER RE A LTO R® , GRI

Gary has been with Oak Realty for 25 years, and has lived in the Annandale area for 43 years. He followed his father’s footsteps into the real estate and appraisal business with Dagner & Associates in 1988 and also with Oak Realty in 1997. No other agent, besides Steve, has been with Oak Realty as long.

An Annandale High School graduate, Gary attended school in Iowa and later worked in the golf industries in the Annandale area and Phoenix, AZ, where he says he gained experi-

Carla received a bachelors degree in social work from Gustavus Adolphus College and worked for many years as a social worker for Wright County, in addition to several other health care related positions.

Familiar with the greater Annandale area and it’s people, she is excited to have the opportunity to introduce new individuals, couples and families to the area and all it has to offer.

There is nothing more satisfying to her than to present a new home owner the keys to their new home and welcoming new residents to the area.

Carla proudly calls herself a retired Hockey Mom, in her spare time enjoys camping with her friends and family, and being active in her community. She enjoys working on various crafts including knitting & sewing.

in Office Administration. She worked with a financial advisor prior to nearly ten years in the mortgage lending field, during which she also worked for Lake Country Properties in Maple Lake. Tiffini joined the growing staff at Oak Realty in 2007, continuing to assist buyers and sellers with their real estate needs.

AMY MCNELLIS RE ALTO R ® , G RI

She and husband Marty, a Maple Lake elementary teacher and coach, currently live outside Maple Lake with their two daughters, Ella and Alexandra. In her spare time she enjoys scrap-booking, photography, golfing, sports and spending time with family and friends.

MEGAN JONES RE A LTO R®

Amy joined the Oak Realty team of realtors in the Spring of 2009. Raised on Lake Sylvia and familiar with the Heart of the Lakes area, Amy has a passion for the lake life in Annandale and surrounding communities.

Born and raised in Fairhaven, and a Kimball Area Schools graduate, Megan has absolutely added a wealth of positivity and energy to the Oak Realty team since joining us in the Spring of 2020.

Amy worked in the mortgage and advertising fields before getting her real estate license. She enjoys the quick changes and challenges of the real estate industry, as well as the helpful, team atmosphere in the office.

Sales and customer service is rich in Megan’s work background. She has gained vast experience managing and working in the food and JENNA POTTER health industries. Today, the most important RE A LTO R® , GRI , C RS part of her career is to provide excellent service A native of Becker, MN, Jenna is excited about to buyers and sellers in order to earn their trust, the experience she has gained since starting referrals and repeat business. Clients appreciwith Oak Realty in 2012. She is a 2005 graduate ate Megan’s flexibility, patience, low pressure of Becker High School and a 2008 Cum Laude sales and the ability to listen and hear what her graduate of the University of Wisconsin-Stout. client’s wants and needs are.

Since getting in to Real Estate Jenna has Megan and her family’s favorite time of the gained a great amount of experience helping year is fall in the Heart of the Lakes, “Annanfirst-time home buyers looking for that special dale provides the best trick-or-treating down place to call home, move-up buyers, and vacaMain Street, my child loves the candy and I tion property seekers looking for that "home" love how safe it is!” They also look forward to away from home. ice fishing on Clearwater Lake and visiting Jenna is grateful for the wonderful people she Pleasant Lake beaches in the Summer. Megan has met and looks forward to helping new currently resides in Kingston with her daughclients while retaining relationships with past ter Lillian and fiancé, Kody. They plan to move ones. She prides herself in her care for others to Annandale in the near future. and dedication to do whatever it takes to make her client happy. She continues to challenge herself by taking on new roles and designations within the REALTOR® sector. She has become a Certified Residential Specialist (CRS) and earned the Graduate REALTOR® Institute (GRI) designation, both of which recognize professional accomplishments in both experience and education.

She has a drive to help people discover the beauty of the lakes area and the expertise to help them find the right lake house, cabin, cottage, or home to fit their needs.

“Buying and selling can be stressful, and I strive to have an open ear to answer any questions and prepare a buyer or seller on how the process generally goes to make it as smooth as possible.”

Amy currently resides in Rockford with her fur babies. In her spare time she enjoys listing to music, playing pool or cribbage, and just having fun! Spending time with friends and family and being at her parents’ home on Lake Sylvia are her favorite ways to relax. She loves all of the seasons that Minnesota has to offer, but like a true Annandale native, the 4th of July is one of her favorite times of year!

TIFFINI KIEBEL REALTOR ®

Tiffini grew up in Maple Lake. She attended Concordia College - Moorhead where she completed a degree in Business with a minor

She continued her studies at MN State University – Mankato and found herself back home. Like many in our office, she missed the place she calls home.

Jenna and her husband Derek reside on Rice Lake in Clearwater with their three children Jaylyn, Axel and Dallas. In addition to being an active participant in the Becker Chamber of Commerce, Monticello Rotary Club and local athletic leagues, Jenna enjoys spending time with her family and friends that all reside close by.

AMY SPIELMANN RE A LTO R®

Amy Spielmann and her family moved to the area in 2014 to her husband’s hometown, Annandale. They reside on Bass Lake and are fond 45

of lake life anytime of the year. As a mom of four and wife, she knows the meaning of time management and organization.

Thanks to her previous journey as a dental hygienist, she is used to helping people through nervous situations and making sure they always leave with a smile. Amy has been an active member of the Heart of the Lakes and is excited to be turning that community focus toward real estate. With a passion for service in the Annandale area, she is ready to help with your home buying and selling needs.

As a proud member of the Oak Realty family, Amy carries the values of hard work, integrity, and outstanding client service into everything she does.

When Amy isn’t making home ownership dreams come true for her clients, she enjoys spending time with her husband Eric and children; Abby, Will, Clare, Wyatt and puppy Otis. They love fishing the area’s lakes, hiking, camping, swimming, playing board games and taking in all the colors during the fall, her favorite time of the year.

OU R HISTORY Oak Realty was founded in 1974 when Don Bruggeman purchased Daryl Gunnarson Realty, and changed the name to Oak Realty after its location on Oak Avenue, Annandale’s charmed Main Street. Our red and white leaf was born and along with it, a tradition of providing quality real estate service in the Heart of the Lakes area.

ANGIE BOYER O ff ice & Mark e t i n g M a n a ge r

Angie joined Oak Realty in its Annandale Office in June 2009. She grew up in Annandale on Clearwater Lake and is raising her family in her hometown she loves dearly and the place her family has called home their entire lives.

Angie holds an AAS Degree in Advertising Design from Minnesota School of Business and a Diploma in Graphic Design from Minneapolis Business College. She helps keep all of Oak on the leading edge of technology, she shares fresh ideas in marketing and advertising, and keeps our busy office running smoothly. Angie also manages lakeshore vacation rentals through the Oak Realty office. She enjoys working with such a close-knit group, and for a hometown company where there is opportunity to give back to the community she loves.

In her free time, Angie treasures spending time with her family, her husband Shawn, daughter Justice and son Chance, labs Sarge and Jackson, being active in her children’s activities and relaxing at her parents’ lake home. “I also enjoy going on motorcycle rides, traveling and camping.” She loves the changing of seasons and the array of colors the Heart of the Lakes displays year-round.

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In 1986 Don’s son Steve joined the business. Opportunities to own lakeshore property were abundant in those days. Lake homes and cabins in the area ranged from $40,000$100,000 and real estate companies literally held the keys to their front doors. The Sunday Star Tribune was widely-agreed to be the resource for new listings, and buyers often came through our office door with that ad in hand, eager to look at property.

We expanded into the 90’s and outgrew the office on Main Street. In 1996 Oak built a new office with more space and visibility on Highway 55. Steve purchased the business in 2000, and soon after the Internet began to change the industry in profound ways. By 2001 we had our first web site and the fat MLS books were collecting dust in the corner.

Oak Realty acquired Lake Country Properties in neighboring Maple Lake in 2007, our local presence expanded to two offices, and our staff grew again. In 2019 we celebrated a milestone, 45 years in business. The anniversary also marked a new beginning. Though excited about where perseverance and hard work has brought the company in its early years, we’re even more excited about what lies ahead.

Our approach to business has changed greatly due to the shift in how buyers and sellers can obtain information. Over the years, however, the true relationship between agent and client hasn’t changed. Since our founding over 48 years ago, our success has been carried by our ability to build long-lasting relationships. Relationships based on honesty, respect and fair business practices. We love taking our customers for a drive through the area and educating them on the various lakes, neighborhoods and their histories. While the majority of today’s buyers (and sellers) have done research online before speaking to an agent, many are quick to realize there is a lot to learn about this area, and a visit with a local expert is a great place to start.

We are proud to be an innovative company. We enjoy seeking new solutions to bring into our business and have continued to do so as we grow and change. We want tools that help us do our job better and more efficiently, and systems that help you buy or sell property with greater confidence. While no one can predict the future, it seems almost a certainty that the Heart of the Lakes will continue to retain its warm character and draw new people to its lakes and countryside. For those that its lifestyle appeals to, (frankly, we wonder how it couldn’t) our friendship and services will be there.

CA LL. CLICK . CO M E IN. WE OFFER

Experienced and knowledgeable REALTORS® ready to assist you in a relaxed, comfortable setting.

A free, complete market analysis of your lakeshore, residential, land or commercial property.

Complimentary wall-sized individual area lake map prints.

Complimentary area maps.

Excellent marketing resources and high-quality advertising.

A foundation of success with over 48 years in business.

YOUR G UIDE S TO T HE HE ART O F T HE L AK E S S I NC E 1 9 7 4 WW W. OAK R E ALTY MN. CO M