Heart of the Lakes Property Portfolio | Summer 2023

HEART OF THE LAKES PROPERTY PORTFOLIO | SUMMER 2023

STAFF

STEV E B RU GGEM A N

DE A N H OG LU ND

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

Associate Broker, REALTOR®

A M Y M CN ELL IS

T IFFIN I K IEBE L

REALTOR®, gri

amy@oakrealtymn.com (612) 963-4190

dean@oakrealtymn.com (320) 980-2445

REALTOR®

tiffini@oakrealtymn.com (763) 464-2048

GARY DAGNE R

gary@oakrealtymn.com (320) 309-1739

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

J E NNA P OT T E R

ME GAN J O N ES

jenna@oakrealtymn.com (612) 801-4967

megan@oakrealtymn.com (320) 828-1308

REALTOR®, gri, crs

A M Y S P IE LM A N N

J O HN P I P P E RT

REALTOR®

REALTOR®

amys@oakrealtymn.com (320) 309-5393

CAR L A S U N DB LAD

REALTOR®, gri

john@oakrealtymn.com (763) 244-7031

ANGI E BOY E R

REALTOR®

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

OFFICES

COPYRIGHT © All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including

photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

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

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.

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Icon indicates 3D Virtual Tours & Property Trailers available.

ONLINE www.oakrealtymn.com

www.facebook.com/oakrealtymn M A PLE LA KE OFFIC E

501 Maple Avenue North | PO Box 564

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

Maple Lake, MN 55358

Local: 320.963.2088 Fax: 320.963.2089

Since 1974 COVER PHOTO: NORTH LANDING ON PLEASANT LAKE.

Scan to view the current Heart of the Lakes Property Portfolio.

Scan to view www.oakreatlymn.com

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.

COUNTRY SETTING

335 146TH STREET, SOUTH HAVEN $249,000 | #6382615

Amazing opportunity to own deeded access to Grass Lake! Welcome to this charming 2019 manufactured home boasting 3 bedrooms, 2 bathrooms and nestled

on a shaded corner lot measuring 0.62 acres! The home itself is 1,568 square feet, featuring a stunning kitchen complete with center island. Large windows offering views of the shaded yard, walk-in closets highlighting all 3 bedrooms, tub and walk-in shower offered in the master bathroom. The living room gives you plenty of space to host game nights or cozy in to watch your favorite movie. This property also has lake views and gated deeded access to Grass Lake. Grass Lake

is roughly 72 acres that feeds into Clearwater Lake, making your water recreation possibilities endless! Enjoy the 2-stall detached garage and spacious yard for all your outdoor activities, and to store all your extra toys. Truly an affordable lifestyle within walking distance of the lake!

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COUNTRY ACRES

2184 170TH STREET, CLEARWATER $1,525,000 | #6336226

Round up the family, pack up the 4-wheelers and come explore this EPIC outdoor playground. Awe-inspiring country landscape spans across 240 acres and is a hunters dream with a mix of tillable, mature woods, and low land. Approximately 90 acres of income producing tillable land wrapped around with wooded peninsulas and islands, a picture does not do the unique typography justice, you have to walk the land to take-in the real beauty. Perfect for any outdoor enthusiast ready to claim a piece of country paradise. Property includes 5 total building entitlements (4 plus the house site) 1975 split entry home that has been completely gutted and ready for the you to start renovation to your liking.

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Maple Lake

This property will take your breath away! Have you always wished someone would decorate your home for you? Well, here you are. This home is being sold completely furnished! From the forks and spoons to the gorgeous bedroom sets, living room furniture and spectacular decor. As you walk into the foyer, you are greeted by gleaming hard wood floors, vaulted ceiling and a massive log staircase, split log trim and the most amazing views of Maple Lake through the wall of windows. You will enjoy 155 feet of sandy lake shore and beach along with a lakeside patio and fire pit with built in speakers and electricity. When you have had enough lake time, head to the bar for a refreshment and play a game or two or watch a movie on the big screen. When the time comes, tuck yourself in to one of the four tastefully decorated bedrooms (the main floor owner's bath and the entire lower level have heated floors!) The home is ready for you to enjoy!

1852 Donnelly Drive NW, Buffalo

Q[ Offered at $1,399,000 | #6363191

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.

BIG SWAN LAKE

26888 734TH AVENUE, DASSEL $999,900 | #6372709

Prepare to be impressed with this custom built home on the southwest end of Big Swan Lake. Over 3,100 finished square feet, this 3 bedroom, 3 bathroom home sits on 2.6 acres and shares a property line with the Cottonwood Creek. The exquisite timber beams welcome you as they cover the front porch and lakeside deck. The incredible owner's suite includes an impressive spa-like bathroom and custom designed closet. The masterful kitchen boasts professional grade appliances, granite counters, Walnut cabinets, custom cut tile backsplash and more! From the Hickory floors to the Maple millwork and Walnut cabinetry, this home delivers the warm feeling of belonging while also offering top of the line quality finishes. Enjoy 190 feet of sandy shoreline as you immerse yourself in Big Swan Lake, home to great fishing, water sports and nice beaches. Experience luxury lake living like never before.

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CHAIN OF LAKES

22105 JAY AVENUE SE, RICHMOND $694,900 | #6378268

Beautiful custom built home on the Horseshoe Chain of Lakes! Sitting on 90 feet of lakeshore, and you can access to over 12 lakes right from your boat.

This home is full of upgrades and detail. The woodwork is immaculate, with custom cabinetry and trim throughout. Family room walks out to the deck that wraps around the lakeside of the home, and has an outdoor kitchen to enjoy your time cooking while overlooking the lake. Primary bedroom suite on main floor, with large walk in closet and bathroom. In floor heat is the main heat source in the home. Garage is also insulated and heated (forced air).

This beautiful home is ready to move in, and enjoy your summer at the lake! Beautiful landscaping, along with in ground sprinkler system.

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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 this stunning property!

www.jklandscape.com | 320-558-4445

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Cedar Landing C

edar Landing is currently underway. Maple Lakes newest development will offer one level carefree living

with 7 units available to purchase. The units will be 1430 square feet and will have 2 bedrooms and 2 baths and wonderful 4 season porch that has views of the open space. Ready to purchase today!

Starting at $330,000

Contact:

TIFFINI KIEBEL

GARY DAGNER

Cell: 763.464.2048 tiffini@oakrealtymn.com

Cell: 320.309.1739 gary@oakrealtymn.com

GREELY EDITION

241 PUBLISHERS DRIVE NE, KIMBALL $39,900 | #6228059

Prime level corner lot in the heart of Kimball. Excellent location as it is located 1 block off of Highway 55 and Highway 15. Seller has already paid for sewer and water hook ups that is included in the sale and transferable to new buyer. This nice level lot would provide an ideal location for a patio home.

Driveway can come off of either Publishers Drive or Newspaper Run. Kimball offers a great school system, golf course, several lakes close by and great access to everything Kimball has to offer. Beautiful established neighborhood to come home to and is open to all builders.

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Seriously Loca 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.

because we embrace

al

e the Heart of the Lakes

Happy Days The Heart of the Lakes Cruise In is set to kick off it's second season this June through September. The idea was set into motion last year with the help of some local classic car fans, the support of our local Chamber of Commerce, and many of our great local businesses.

Plan to make Downtown Annandale your destination the 2nd Friday of the month June through September. Bring your classic cars, trucks, motorcycles, boats, you name it. Don't have a classic yet? Then come on out to enjoy the summer nights, cool classic vehicles, and some music. Help support our sponsors by checking out some of our great shops, restaurants, and bars while you're in town. Did I mention we have an ice cream shop?! This is a free event for vehicle owners and visitors, but we are accepting food and cash donations for the Annandale Food Shelf. ~ Jim Marsh

LAKE AUGUSTA

13841 102ND STREET NW, SOUTH HAVEN $265,000 | #6382443

This charming cabin is a dream come true! Located on an extra large, level lot on Lake Augusta which connects to Clearwater Lake. There is a nice beach area for you to swim and relax, as well as a large lot with lots of space to enjoy. Invite your friends and family over, this is a great place to entertain.

Or get out on the water to go boating and catch some fish. Then come back and have a bonfire in the evening and share fish stories and talk about how lucky you are...here at your cabin! You will love The Heart of the Lakes area and all that it has to offer. Come and take a look for yourself.

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40 Oak Ave S, Annandale

Prime Development opportunity!!! Investors, Developers and Builders this 20.3 acre parcel is ready to be completed. The parcel has been platted for 47 lots and what has been completed now is what was approved by the city. Builders finish off the final improvements and have plenty of lots to build on for years to come. The park land has been dedicated, grading is completed and drainage areas are established. Sewer and water has been brought to lot lines. Excellent location just blocks from town, school and major highways.

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DEVELOPMENT OPPORTUNITY

XXXX RIDGEVIEW STREET, KIMBALL $650,000 | #6254482

COUNTRY ACRES

13512 53RD STREET, ANNANDALE $899,900 | #6255590

Just over 68 gorgeous rolling county acres with 50 acres of pristine land for crops. The home was completed in 2021 and is surrounded by woods offering fantastic privacy. The home is complete with a covered entryway, kitchen, living room, bonus room and covered back porch.

Numerous acres are fenced and ready for grazing. Short drive to French Lake and Annandale offering wonderful shops, restaurants, parks beaches and a fantastic school district.

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GRANITE LAKE

2079 KIMBALL AVENUE NW, ANNANDALE $689,900 | #6376827

Wonderful home set on the shores of Granite Lake. Home offers fantastic gathering spaces that showcase gorgeous views of the lake. Cozy up to a gas burning fireplace with custom mantel or prepare a fantastic meal in the kitchen with all the upgrades. Turn in for the night in the lakeside primary suite complete with vaulted ceilings, spacious bathroom with jacuzzi tub and a walk-in closet. The home is finished off with 2 additional bedrooms, lakeside dining room, laundry room, foyer, mud room, oversized double garage and lakeside patio. Home has insulated poured concrete wall construction. The 38x24 shed is a dream including steel siding, bathroom space with a stool, floor drain and is heated - perfect for those long Minnesota months. Tucked in the trees, this home offers fantastic privacy on the lake. Granite Lake has a very active and dedicated lake/watershed association.

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COMMERCIAL LOT

46 Birch Avenue South Maple Lake, MN 55358

2XX KENDALE AVENUE SOUTH, 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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TRUE LOG

17910 27TH AVENUE, CLEARWATER $899,000 | #6373086

This impressive true log home was custom built with awe-inspiring views of its breathtaking surroundings. With massive logs, the rustic environment feels like being embraced by towering trees. Spend your days in comfort, the home offers a magnificent 2-story wood burning fireplace, stunning vaulted ceilings, and spacious covered decks with never ending views. Gather in the kitchen with Amish built birch cabinets and the living room that opens to the dining room. Wake up to the sunrise from the upper-level primary suite complete with a full bathroom and walk-in closet. The upper level also offers a loft, catwalk, and sitting room all surround by windows. Spanning across over 54 acres of wildlife, ponds and trails this property is certainly a dream.

Spend your days outdoors making memories, relaxing on one of the many decks or taking-in the wildlife.

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LAKE SYLVIA

15327 76TH STREET NW, SOUTH HAVEN $650,000 | #6378755

Classic cabin that is ready to be renovated or a complete rebuild on this stunning lot on the shores of West Lake Sylvia. The lot offers amazing views of the water from the wooded private lot that gradually slopes down to the hard bottom shoreline. Great opportunity to take an old cabin and blank canvas of a lot and create something fresh and new. With a screen porch and L shaped deck these are 2 excellent outdoor entertaining areas that capture the view of the lake. Property is 'sold as is'. The cabin and lot needs some work but you can never take the million dollar view away from it.

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Totem Pole Point 5665 QUIN ER AV E N UE N W, A N N A N DA LE ON L AK E SY LV I A

VACATI O N RENTAL

New Lake Sylvia home nestled on well known 'Totem Pole Point' (level peninsula). The walk-out lower

level is currently being finished. Set on 500 feet of pristine hard bottom sparkling shoreline, it’s the perfect place for fun family memories to be made. Relax in this inviting home set on waters’ edge with an

expansive yard spanning across over an acre. Comfortable living accommodations include many gathering spaces throughout inviting you to entertain and cherish each other’s company. This five bedroom, 3 bath-

room home offers plenty of space for the whole family. Entertain in style with a spacious kitchen, dining

room and living room. Take in the views from the 12x59 lakeside deck showcasing truly awe-inspiring. views of Lake Sylvia.

Every season has something special to offer along with breathtaking views of Lake Sylvia’s stunning backdrop the iconic ‘Totem Pole Point’. Lake Sylvia is known for its crystal clear water that spans across 1,524 acres. This home will be ready by Summer 2023, just bring your boat and flip flops!

ANGIE BOYER Tel: 320.274.5737 angie@oakrealtymn.com

Va c a t i on Renta l

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Annandale Business Condos

CARLISLE VILLAGE

1151 BUSINESS BOULEVARD, ANNANDALE $310,000 each | #6369879 Incredible opportunity to own your own shop or office just off Highway 55 in the Annandale Business Park. This modern designed shop development offers turn-key buildings with a prime location. Each 2,240 square foot condo will include; 16x20 office area, 316 square foot mezzanine, 1/2 bathroom, 4x8 sign area and 6x10 porch. Additional extras; 12x14 overhead door on front and rear of building, 35x64 fenced outdoor storage area, finished walls, floor drain with flammable waste trap, interior white steel lined, unit heaters, blacktop parking area and association and covenants.

8593 GATEWAY CIRCLE, MONTICELLO $299,900 | #6381930

Welcome home to Carlisle Village, a warm and inviting development. Fantastic upgrades throughout complete this home, all you'll have to do is move in! Enter into a large foyer that leads to the open main living area with a stunning kitchen with custom cabinets, living room and dining room that leads you to a maintenance free deck. The upper level is an ideal place to lay your head offering an owner's suite with a private bathroom & walk-in closet, two additional bedrooms and a full bathroom. Spread out with a walk-out lower level finished with a half bathroom, family room, under stair storage, laundry room and utility room. Walk-out to a backyard, an ideal spot to play catch or just sit and relax. Enjoy little outdoor maintenance, the HOA will take care of the mowing and plowing.

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COUNTRY LOT

13XXX COUNTY ROAD 7, SOUTH HAVEN $120,000 | #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.

COUNTRY ACRES

4XXX BRADFORD ROAD, SOUTH HAVEN $225,000 | #6242246

Great opportunity to own 5.59 acres of property what you build and how you play is all up to you. 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. Property has a mature wooded home site and ample space to add a shed. Located a short drive to many neighboring cities offering wonderful amenities. Build your shed now for all your toys and then build your new custom home in the future. A wide variety of wildlife regularly pass through the property so you will see nature at its best. Quiet and private setting great acreage to call home.

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tradition

HEART OF THE LAKES

COUNTRY ACRES

8990 POWDER RIDGE ROAD, KIMBALL $364,000 | #6352967

Here is an amazing opportunity to create your own dream home on 21.15 acres in the country! The interior of the structure on the property is incomplete, ready for your touches. A huge pole shed is attached to the future living quarters. Living quarters could also be used as a work shop or office area and another house could built. This would be a great set up for a hobby farm, with lots of space for 4 wheeling, dirt biking, and lots of outdoor fun. Up to 6 animal units (1,000lb. per animal) is an option by applying for a permit through Stearns County.

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Shadowland's Guest House

62 25 PILGER AV E N UE N W, A N N A N DA LE ON LA K E SY LV I A

VACATI O N RENTAL

Experience the Heart of the Lakes finest waters with a vacation stay in a luxurious waterfront home on

Lake Sylvia, available to guests seeking a getaway to an exceptional lake country setting. Come, stay, and see what the beauty of this area is truly all about.

Set on 4 private acres of the renown Lake Sylvia Peninsula, this spacious waterfront home is available for year-round enjoyment. Its thoughtful floor plan comfortably accommodates up to 10 adult guests. Relax

by the wood burning fireplace or take in the stunning views from the lakeside deck or screened in porch.

Families with children, don’t pass it by. With an expansive lakeside lawn that stretches along 450+ feet of pristine shoreline, this is a haven for fun and play.

You will enjoy the crystal clear waters of two private swimming beaches each offering a dock, the beautiful apple orchard and mature trees, and certainly the home itself. A full screened porch allows you and your

guest’s pleasant outdoor dining rain or shine. Gathering spaces throughout invite you to relax, rejuvenate, and reconnect with family and friends. Great for boating, summer and winter fishing, snowmobiling, sum-

mer and winter skiing, and so much more. Property offers a kayak, paddle boat, stand up paddle boards, canoe, hammock, lakeside fire pit and a pickle ball court. Isn’t it time you treated yourself to a week away?

ANGIE BOYER Tel: 320.274.5737 angie@oakrealtymn.com

Va c a t i o n Renta l

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COUNTRY ACRES

13XX 29TH STREET SE, BUFFALO $129,900 | #6341892

Beautiful 4 plus acre parcel with a blend of woods and low land that creates the privacy and views you have been looking for. The front part of the lot is surrounded with mature trees, pick your spot and enjoy this quiet and peaceful setting. The back part of the lot is low land so nothing

but endless open views. Acreage is south of Buffalo with easy access to all that Buffalo has to offer. Prime location to Highway 12 and 55 if you have to commute. Bring your builder and start your new custom home today.

320-274-1632 | 58 OAK AVE N, DOWNTOWN, ANNANDALE 32

World Class Products exceptional service

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

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

FAIRHAVEN

51XX BLUEWATER CIRCLE, SOUTH HAVEN $34,900 | #6313635

Look forward to coming home to this inviting lot ready for you to build your new home in Fairhaven. Spanning over .43 level acres located on the corner of Bluewater Circle and County Road 44. Enjoy a short walk to Fairhaven Farms and the City Park offering a playground & basketball hoop, pavilion, and covered picnic area. Located in the Kimball School District and a short drive to Annandale and St. Cloud. Lot offers a shared well already on the property.

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CROSSLAKE

940 Elm St E, Annandale MN 55302 24142 Smiley Rd, Nisswa MN 56468 320-274-6336 Backyardmn.com info@backyardmn.com

143XX & 144XX BIG PINE TRAIL, CROSSLAKE $59,900 (each) | #6322319 & #6322314

Breathtaking lots spanning across .73 acres and .63 acres of heavily wooded land, an ideal location for your forever home with hight point views. This will be a nature lovers dream, with 1,800 acres of Wildlife Refuge adjoining this lot, literally in your backyard and is ideal for the hunter enthusiast as well.

Lake access to Big Pine Lake is nearby, enjoy lake life close to home. Grab your canoe and spend the day on Pine River, the portage and rock dam are just a short drive away. Still looking for more to do, hop on the ATV and snowmobile trails for the day. This is also within the city limits of Crosslake.

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MAPLE LAKE

2492 62ND STREET, MAPLE LAKE $367,900 | #6377620

Well constructed split entry that sits on private wooded 1 acre setting with views of Maple Lake. Sit back and enjoy the sights and sounds of country living. This sun-room was a great addition! Large windows brings the outside in. No matter what the season is you will enjoy this room year round. Corner gas fireplace adds the warmth you are looking for on those cold winter days. The great room in the lower level has a bar area.

Great for hosting game day and company. Also offers a beautiful corner gas fireplace and plenty of entertaining space. Mature trees surround the home creating the peace and quiet your are seeking in country oasis.

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Photo courtesy of Richard Ebert taken May 2023 on Cedar Lake.

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

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This 2021 Friendship Inspiration manufactured home includes 3 bedrooms, 2 bathrooms and sits across from the Marina in the Clearwater Forest Resort

Community on Clearwater Lake. Practically brand new, this lovely home offers a beautiful kitchen with SS appliances, SS hood vent, farmhouse sink, two-tier breakfast bar, large windows, walk-in closets and more. Enjoy the green space off the marina and the wonderful views off the lake. Two parking

spots across the gravel go with this lot as well! The Clearwater Forest Resort is a private resort community on over 40 acres located on the NW side of Clearwater Lake. The resort provides a boat launch, fish cleaning house, playground and more. Near the Waterfront Lakeside Grille.

CLEARWATER FOREST RESORT

13480 CAMPFIRE CIRCLE, SOUTH HAVEN $129,900 | #6378405

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ANNANDALE

505 NORWAY DRIVE EAST, ANNANDALE $295,000 | #6381790

Perfectly set on a tree-shaded lot, this well-kept rambler is located in the heart of Annandale. Enjoy plenty of outdoor space with an additional buildable lot included…imagine the possibilities. Welcome guests with a concrete driveway, mature landscaping and a 12x9 front yard deck. The home is ready for your personal touches and offers three bedrooms, 1 bathroom, living room, dining room and kitchen. Spend your days in the sunroom surrounded by walls of windows. Have plenty of extra storage space with a double garage, 12x22 and 14x10 storage sheds. You’ll fall in love with the Heart of the Lakes year-round - make this your forever home.

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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.

INDIAN LAKE

65XX 112TH STREET NW, MAPLE LAKE $229,900 | #6111595

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 nestled on approximately 3 acres of privacy. 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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Makers & Growers Be sure to plan your weekends around Maple Lake's Makers and Growers Market. Stop by from 10:30-3:30pm as they take over Birch Avenue South once a month to showcase what over 40 amazing vendors, food trucks and artisans have to offer. From specialty bread makers to paper quilling, their vendors are masters at their crafts.

Stop by for lunch or a pit stop from shopping and enjoy food trucks from around the area They'll also have local musicians strutting their stuff while you shop local artists or take a break under the canopies.

Visit https://www.maplelakemakersandgrowers.com for 2023 dates and more information.

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 since 2018.

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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 with their three children and enjoys being active in their busy lives. He is an avid golfer, and enjoys gardening and vacationing in his spare time.

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 since 1996, and has lived in the Annandale area most of his life.

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 experience

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

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.

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.

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.

“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 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®

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.

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.

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 excit- to buyers and sellers in order to earn their trust, ed about the experience she has gained referrals and repeat business. Clients apprecisince starting with Oak Realty in 2012. ate Megan’s flexibility, patience, low pressure She is a 2005 graduate of Becker High sales and the ability to listen and hear what her School and a 2008 Cum Laude gradu- client’s wants and needs are. ate of the University of Wisconsin-Stout. Megan and her family’s favorite time of the Since getting in to Real Estate Jenna has year is fall in the Heart of the Lakes, “Annangained a great amount of experience helping dale provides the best trick-or-treating down first-time home buyers looking for that spe- Main Street, my child loves the candy and I cial place to call home, move-up buyers, and love how safe it is!” They also look forward to vacation property seekers looking for that ice fishing on Clearwater Lake and visiting "home" away from home.

Pleasant Lake beaches in the Summer. Megan Jenna is grateful for the wonderful people she currently resides in Kingston with her daughhas met and looks forward to helping new ter Lillian and husband, Kody. They plan to clients while retaining relationships with past move to Annandale in the near future. ones. She prides herself in her care for others 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.

Jenna and her husband Derek reside on Rice Lake in Clearwater with their three children Jaylyn, Axel, Dallas and Savannah. 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.

JOHN PIPPERT REALTOR ®

Oak Realty welcomed John to their team of realtors in the fall of 2022. As a longtime resident of Locke Lake, John is eager to work with buyers and sellers and assist in their real estate journey.

He will work tirelessly to meet his client’s needs and be a calming knowledgeable guide throughout the sometimes chaotic buying and selling process.

John and his wife Lori have spent many summer days on the lake with their three children.

Whether it be boating or fishing year-round, Locke Lake has been where he and his family has many fond memories. He is past president and current board member of the Locke Lake Home Owner’s Association and enjoys being a part of many lake activities. When the weather cools, John spends his free time hunting with his lab Ruby, and being outdoors.

John recognizes and values the trust his clients place in him and will strive every day to exceed their expectations. He truly loves the area he has lived and raised his family in and wants to assist his clients in making right decision for their own family. “I want to make sure you feel supported and that you have a trusted advisor by your side”.

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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.

ANGIE BOYER Of fic e & M a rke ting M a na 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 spare 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.

When presented with a moment of free time, they retreat to their land in South Dakota on Big Stone Lake. “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.

OUR 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.

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 49 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 49 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