Page 1

Heart of the Lakes property portfolio


winter 2011

Š s ta n t e k i e l a

Since 1974

ne w memories for sale Over the years, I have had many folks tell me stories of the Annandale area. How they become cabin owners, memories from their childhood, fishing and hunting stories, sad stories and very funny stories. Over the holidays we launched a non-property related marketing campaign asking those who love this area to tell us their favorite memories. Though we aren’t going to share exactly how we’ll be using them, we

hope you’ll join those who have contributed already by telling us that wonderful story that just came to mind! The reason our team of agents

and office staff love this business is because we know by experience that The Heart of the Lakes is a wonderful place to make memories. It’s a great place to grow up, to grow old, to raise a family, to retire, to work and to vacation.

My approach to a successful business is to “stay young,” to not get too comfortable in our ways. We consistently look to polish our strengths

and bring new solutions and technologies into our office to best serve those we represent. We are well on our way into 2011, and the timing couldn’t be better to push forward with our marketing. Our focus remains on our clients, showcasing every property in the best light

possible with full use of the Multiple Listing Service, outstanding photography, custom videos on YouTube, virtual tours, and an effective open house program. Expect to see some new and fun initiatives from the Oak team this year! Now, go make some memories! Steve (Brugge) Bruggeman, Owner

Table of Contents [ cover photo ] Cardinal in winter, ©Stan Tekiela

l akeshore

General Contact 4

annandale office




lots & l and



m aple l ake office



commer cial


l ake m ap s


p [

take a virtual tour watch a pr opert y tr ailer

Find us on Facebook!

by em ail online

Visit our YouTube Channel

Your guides

to the heart of the l akes

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

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

dean hoglund

gary dagner

hollie dagner

carla sundblad

justin wisner

charlene wurm

t o m g ay

mike mcnellis

amy mcnellis

tiffini kiebel

angie wisner

amy miller

Realtor®, gri, wcr (320) 493-1361

Realtor® (612) 963-4190

Realtor®, gri (612) 226-6649

Realtor® (763) 464-2048

Realtor® (612) 759-0631

Office/Marketing (320) 274-5737

Realtor®, gri (320) 309-1739

Realtor® (320) 492-1641

Marketing (320) 274-5737

Realtor® (320) 309-1739

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

lakeshore looking for a lake place?

Indian Lake

Lake Francis

Grass/Clearwater Lake

$299,000 | #3933312

$319,900 | #4004168

$139,900 | #3877288

A wonderful vacation retreat or permanent

If it’s space and a great swimming beach you Charming A-frame chalet overlooking quiet

mature landscaping and peaceful views from a

Franics. With nearly 3,000 finished sq. ft., four away anyone could enjoy. Relax on a spacious

home, this 3-bedroom residence offers privacy, fantastic 3-season porch. Plenty of room to entertain inside and out, this is an ideal location

for those who want a quality home with quiet waters and privacy. More on page 10.

seek, look to this waterfront home on Lake Grass Lake offering a maintenance-free getbedrooms and three bathrooms, there is room deck overlooking a large, level lawn. The intefor everyone. Swimmers will delight in the 80’ rior is updated, and wonderful resort ameni-

of sand beach and gradual depth. See page 7 to ties including an outdoor pool, and beach on learn more!

Clearwater’s shore, are yours.

Pleasant Lake

$574,900 | #3974058


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

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

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

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

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

Grass Lake $139,900 | #3877288 Great 3-season cabin with resort amenities incl. beach, docks, outdoor pool, 17-acres of common grounds. Updated interior & exterior.

Pleasant Lake lot $369,900 Build your dream home on this level, nicely treed, 2.3-acre lot. Great location, just a few miles North of town. Sunrise and sunset views!

Lake Sylvia $499,900 | #3982063 Charming cottage on renown Lake Sylvia. Enjoy the beautiful scenery as you sit on the deck of the 12x12 boat house near the water’s

edge. Fantastic views of the lake, including the peninsula, from your own beach! 136 feet of hard bottom shoreline puts crystal clear swimming waters, endless recreation and beauty at your doorstep. Enjoy a 1/2-acre lot. Located on the north shore of Lake Sylvia.

Mink Lake $75,000 | #3995826 Fix up existing dwelling or knock it over and add a new home along with 2-stall detached garage. For sale as-is.

New, earlier dates for Minneapolis Show! The Lake Home & Cabin Show made a big move on the calendar for 2011, from April back to mid-February. With a guarantee for snow still on the ground and ice on the lakes, this year’s show should be busier than ever. Plan to escape the cold and think summer! We’ll be there, come say hello!

Visit us at Booth 710


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Lake Francis

$319,900 | #4004168

This beautiful year-round lake home has 80’ of

hard sandy beach, with plenty of room for lawn


tory is added by a 1918 built-in wood cooking for everyone to spread out. Enjoy huge decks

stove with brick hearth. You will have more overlooking the lake with stunning views.

chairs and sand toys. Numerous updates were than enough room for everyone to stay over Have a gorgeous lawn all summer long with a made in 2008 including a new roof and sep- for the weekend with four bedrooms and three

complete sprinkler system. This scenic lot has

tic system. Also, with new carpet and ceramic bathrooms. Fourth bedroom has a private en- gorgeous trees and mature landscaping. Never

throughout you will have little left to do with trance, just a little added bonus. With spacious run out of room with a 10x12 lakeside storage this home. Enjoy cooking in a large kitchen family rooms, dining rooms, living room and

shed for all your water toys.

Gary Dagner Realtor®, GRI with stainless steel appliances. A touch of his- game room there is more than enough room

(320) 309-1739

Lake Sylvia $399,900 | #3981434

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

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

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

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

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

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Lake Sylvia

$724,900 | #3891833


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

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


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Cedar Lake

$649,900 | #3897952


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

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

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

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

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

Gary Dagner Realtor®, GRI

with a stamped concrete sidewalk leading to the sandy shoreline.

Lake Sylvia $519,000 | #3968848

(320) 309-1739


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

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

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

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

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French Lake $479,900 | #3858926


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

rooms. Spacious floor plan with a master bedroom that features sliding

glass doors to a 13x64 stamped concrete patio with an amazing view. Enjoy a master bath with jacuzzi tub, large walk-in closets and all the

extras. Fabulous custom kitchen with granite counter tops, walk-in

pantry, center island. Too many upgrades to name them all! Beautifully landscaped, this is a perfect private lakeshore setting.

Gary Dagner RealtorÂŽ, GRI

(320) 309-1739

Indian Lake $299,900 | #3933312


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

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

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


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What’s your favorite Heart of the Lakes story?

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

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

Crooked Lake

$382,900 | #4001701

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

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

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


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Clearwater Lake

Lake Francis

$149,900 | #3933898

$144,900 | #3959561

Enjoy cabin life on beautiful Clearwater Lake without the up-keep

Great opportunity to own beautifully mature wooded lot on Lake

recently updated 2 bedroom, 1 bath condo is perfect for a summer and

dock. Use the comfortable, 880 finished sq. ft. cabin as a summer retreat

allowing more time for boating, fishing, swimming and relaxing. This

winter retreat. Private deck and balcony, and a cozy wood burning fire-

place. Many shared amenities including a heated outdoor pool, beach, docks, 17 acres, and a party room.

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

Francis! Enjoy 60’ of sandy natural shoreline to swim or fish off the or rebuild and finally have your dream home. You will love your privacy

as you will be tucked away with mature trees. Make this your new summer getaway or year round home!

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

Dining and Spirits Where Friends Come Together

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Experience Sylvia this Summer

6 2 2 5 p i l g e r av e n ue n w, a n n a n da l e It’s truly the gem of the Heart of the Lakes. Spend a part of your summer here, on 4 private acres of the renown Lake Sylvia Peninsula. This spacious waterfront home is available for rent year-round. Its thoughtful floor plan comfortably accommodates up to 8-10 adult guests. Families with children, don’t pass it by. With an expansive lakeside lawn that stretches along 450+ feet

of pristine shoreline, this is a haven for fun and play. Gathering spaces throughout invite you to relax, rejuvenate, and reconnect

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

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



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Lake Sylvia

Lake Sylvia


$529,900 | #3969319

Heavily wooded and gently sloping, this Lake Sylvia lot is an ideal location

This completely remodeled year-round home is on the shore of premiere

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

deck. The interior features a beautiful new fireplace, new Maple cabi-

for your new cabin or home. It offers 123’ of shoreline in Flannery’s Bay

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

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

Indian Lake $329,900 | #3948155


Lake Sylvia. Enjoy the summer days on your 10x28 deck or 12x16 side nets, tile floor, an updated kitchen, upper level loft that overlooks the living room and so much more! Beautiful views and spectacular boulder landscaping complete this waters edge retreat.

Ramsey Lake


$189,900 | #4002729


Beautiful lake home with 301’ of nice shoreline. Enjoy spacious one level

Beautiful lake home with a wonderful view. Enjoy natural woodwork

stunning views of the lakeshore will be your favorite room of the house.

glass door that walks out to the lakeside deck. Lovely kitchen, dining

living with two bedrooms and one full bathroom. A 3-season porch with Curl up with a good book next to the wood burning stove. Breathtaking

landscaping across a double lot. Make this your year-round home or the perfect spot for a summer getaway.

throughout. Master bedroom has new carpet, his and her closets and a room with wood flooring and views of the lake. Lower level great for

entertaining with a gas cultured stone fireplace. Enjoy 92’ of shoreline and a large sand area perfect for recreation close to shore!

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Lake Sylvia

$899,900 | #4003573


This chalet-style, three bedroom home was

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

Lake Sylvia, and features stunning views from

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

built on a gently sloping lot on the West side of

suite and home office with the most captivating

snacks, another bedroom and a full bath. The

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

ing and living area with built-in cabinetry and

the attached workout room is great for kids

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

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

Clearwater Lake $279,000 | #4004355

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

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

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

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


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Lake Marie $189,000 | #3978319


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

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

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

Lake Sylvia

Lake Sylvia


$349,900 | #3652377


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

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

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

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

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

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

A 1.2-acre, wooded parcel with spectacular hillside views of the lake. Madsen’s Bay. Serene, dead-end drive makes this an ideal location for total relaxation and an escape from everyday life! Northridge residents also share a private boat launch.

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Ramsey Lake $215,000 Updated lake home with 80’ of sandy shore. Boathouse with sitting room. Home has hardwood floors, large lakeside deck, new family room.

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

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

Lake Marie $125,000 | #3996529 Calling investors! Three beautiful, heavily wooded lakeshore lots with gorgeous views. Ample garage space plus lakeside boathouse.

A.M. Boutique

The Snooty Fox Gallery & Gifts

Home of Ada Magdalene Skin Care Read testimonials on our web site!

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

20 East Cedar Street, Annandale (320) 274-2700 Hours: Tues-Fri 9-5 & Sat 9-4

residential new construction

Maple Lake



$149,900 | #4001092

$84,900 | #3951733

$163,900 | #3972481

Own a brand new home, in a well kept and es-

Twin home full of style! Shell only, ready to Just completed in Cedar South Addition.

your own touches by choosing the flooring,

for 2 bed 2 bath home with open floor plan, rage, master bedroom with walk thru bath,

tablished neighborhood! Ready for you to add paint colors, and appliances! Located within

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

finish to your liking. 1,400 sq. ft. , planned Lovely home features an oversized triple ga-

main floor laundry, vaulted ceilings, huge mas- 1/2-acre city lot and spacious floor plan. 1,088 ter bedroom with large walk-in closet and 3/4 finished sq. ft. with appliances included. Walkbath. Attached double garage.

out lower level, ready to be finished.


$1,395,000 | #3941878


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

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

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


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

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

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

Albertville $239,000 | #3965222 Beautifully-finished home on 1.99-acre lot in town. Hickory floors, alder doors/cabinets, fireplace, many extras! Walking distance to school.

Cedar South Final phase of development 1 block from the park Oversized city lots starting at $19,900 Use our builder or your own Easy access to St. Cloud or Metro Financing available

Gary Dagner Realtor速, GRI

of Clearwater

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(320) 309-1739 21


Buffalo $199,900 | #3961075 Updated home top to bottom, new windows, roof, furnace, A/C, appliances, carpet and tile. Nice country setting on a small lake. Must see!

Lake Francis Views $84,900 | #3973684 Remodeled manufactured home on private wooded lot. New carpet, flooring, doors, paint, fixtures! Public access less than a block away.

Hanover $424,900 | #3872636 Gorgeous rambler, all one level. Large master suite, 10’ ceilings, in-floor heat throughout. Perfect setting on 5 beautifully landscaped acres.

Annandale $179,900 | #3998243 Stunning four bedroom, three bath on corner lot in Southbrook neighborhood. Walkout lower level to large wood patio, fireplace & more!

Annandale $129,900 | #3926964 A great neighborhood community to come home to. Spacious home with large kitchen, four bedrooms, walkout to backyard with play set.

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


Interested in bank-owned?

A division of our office is dedicated to this market, handling a large volume of foreclosed homes in a wide area, extending from within to outside the Heart of the Lakes Area. See Page 32 for a list properties in their current status at the time this portfolio went to print. Inventory changes quickly. Please call our office to verify information and learn more about bank-owned properties.


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Country charm comes to town Take a fresh new look at Annandale’s newest development, Pintail Ponds. A great location on the edge of town make this a wonderful neighborhood for families or retirees to call home. Each and every BayHome model has been given a price reduction. Bring your own builder and ideas to a single family lot. Ask about Contract for Deed options! BayHome Lots from $40,900 and Single Family Lots from $29,900.

Downtown Annandale

Excelsior/ County 5

Hwy 55 Ash St.

Pintail Ponds

A first of its kind development in the Annandale Area

Not actual home. Similar as pictured.



$189,500 | #3938284

$449,900 | #3981726

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

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

ft. You’ll love the master suite with walk-in closet, and private bath. Full

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

or appeal from the road. Three bedroom floorplan with 1,340 finished sq. basement ready to be finished. A great design, new to the area. Models in other price ranges available. Call to learn more. Pintail Ponds is just South of town on County Road 5.


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

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

Under the Water Tower!

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

Think Valentine’s! Fine Jewelry Retailer Clock, Watch & Jewelry Repair

Main Street, Annandale (320) 274-5313


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Clear Lake $164,900 5 acres of scenic country living. One level home with newer granite countertops, flooring and fixtures. 30x50 pole shed, great for storage!

Annandale $39,000 | #3997927 Nicely-maintained seasonal cabin 1/2 block off Sugar Lake. Shaded patio, backyard with fire pit, several gardens, storage shed, furnished.

Annandale $309,000 | #3982543 Elegant custom built rambler near Whispering Pines GC and Cedar Lake. Host the big games in lower entertainment level. Master suite!

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



Clearwater $184,900 | #3981865 Wonderful 2-story home with open floor plan. Open entertaining spaces on 3 levels. Upper level laundry, bedrooms, family room. Huge deck!

Watch Property Trailers on

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

When you see this symbol next to a property description, it means you can view a Property Trailer for that home on our YouTube Channel! Visit Or if you’re looking at the digital version of our portfolio, go ahead and click on the icon. It will take you directly to that property’s trailer. Our custom videos have been viewed over 3,000 times. Have you seen one yet?

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Maple Lake $175,000 | #4004031 Move-in ready, tri-level home. Large, open dining and kitchen area. Front porch, 14x14 deck off dining. Storage garage in backyard.

Maple Lake $149,900 | #3922823 Affordable new home to be built on a beautiful lot with tree line in the back. Less than a mile off Hwy 55. Close to area lakes and parks.



$64,000 | #3926546

$179,900 | #3887421

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

Beautiful three bedroom, two bathroom home in the Southbrook Golf

ed kitchen with new cabinets and windows providing brilliant natural

dining area has a sliding glass door to the deck which overlooks a pond.

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


community. Featuring an open floor plan with vaulted ceilings. The

Huge lower level family room has ample space for family activities. Over 2,000 finished sq. ft. Beautifully landscaped yard with in-ground sprinkler system.

27 Holes of Championship Golf

Pro Shop 320.963.5500


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$399,000 | #3922056


Breathtaking property on 30 acres of heavily wooded land, bordering

Stanley Eddy Park. A secluded home with all the extras! Hot Tub, sauna, fireplaces, granite counter tops and stainless appliances. Exterior boasts

cultured stone, boulder landscaping and a stamped concrete patio. All set for horses with maintenance free fencing and a 24x8 shelter with 2 box stalls and tack room. Stately brick columns welcome you to this

pristine acreage with an array of wildlife, the perfect place for those with

Gary Dagner RealtorÂŽ, GRI


$159,900 | #3925519

a love of the outdoors to call home.


$199,900 | #3921039

(320) 309-1739


Kimball’s newest development with the green movement in mind. Spotless country home set on 2 acres with mature landscaping, this

Oversized city lots, parks and rain gardens. This to-be-built home will is a great setting for a large family! Five spacious bedrooms, a large have an open floor plan with 2 large bedrooms and a walk thru bath

from the master bedroom. From your backyard you will enjoy gorgeous

kitchen with new side-by-side refrigerator, 3-season porch and attached 10x12 deck with storage below. The lower level family room

views of Powder Ridge Ski Area. Home will be built on a corner lot has newer carpeting. Enjoy a large laundry room with cabinets to keep

giving you even more space. You can either use our builder or choose you organized. Beautifully wooded backyard is perfect for kids to roam you own builder in the development. Convenient location to major or add a storage shed to the property. Located near Lake Sylvia, where Highways 55 and 15, just a short drive to St. Cloud.

boating and endless recreation await!

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


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

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

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

choice of Annandale, Maple Lake or Monti-

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

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

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

Annandale $27,900 | #3897812

Annandale $59,900 | #3872202

Prime acreage ready for investors, developers

Beautifully wooded, 1.73-acre lot in an estab-

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

of this rolling parcel is wooded. Can be split.

comfort of homes nearby. Not far to town!

1-acre. Neighborhood of quality-built homes.

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

lished neighborhood. Enjoy privacy with the

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

South Haven $59,900 | #3984910

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

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

Level lot with approximately 75’ of Clearwa-

Seven lots available in this plat, priced from

Just South of South Haven on County Road

Lakes. Access to shared park. Great views!

each. Excellent Contract for Deed terms!

able. Corner parcel.

ter River frontage. Access to Grass/Clearwater

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

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

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

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

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

28 oversized, single family lots available in this

Tillable land just north of Lake Sylvia. Beauti-

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

Ridge. See Page 30.

Edge of South Haven, more land available.

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

new “green” neighborhood! Views of Powder

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

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

Hunter’s Cove Limestone Trails From $69,900

Sauk Rapids $394,900 | #3927594

South Haven $39,900 | #3995479

Four lots available at Limestone Trails. Large

Private hunting preserve. 80 gorgeous acres of

Gorgeous wooded, 1.6-acre lot. Quiet and

outlot and lake access. Ideal for nature lovers.

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

home. Close to Fairhaven.

acreage lots with mature trees, trails, 25+ acre

woods and water. Keep it to yourself or split into

secluded location to build your new country

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

Annandale $64,900 | #3949813

10 Acres, Annandale $125,900 | #3947433

Rolling farmland bordering the city limits of

Buildable 1.2-acre, wooded lot overlooking

Blend of trees and lowland between Clearwa-

age on Hwy 55. Pond in the NW corner.

snowmobile, fish and hunt from here!

wildlife! Build now or later.

South Haven. Two building eligibilities. Front-

Lake Marie. Great hilltop location. Camp,

ter and Bass Lakes. Great hunting, abundant

Annandale $89,900 | #3967255

9+ Acres, Clearwater $109,500 | #3894745

Views of Lake Sullivan $49,900 | #3995348

Picturesque setting for your future dream

Rolling acreage with amazing countryside views,

Privacy is yours with beautiful views. Heavily

Rd 3. Close to Lake Sylvia and Lake John.

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

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

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

sunsets and wildlife. Area of newer, prestigious

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


40 Acres, Clearwater $140,000 | #3864256

Cokato From $29,900

Kimball $399,900 | #3942499

Great opportunity to own a 40 acre parcel in a

Three nice lots in the City of Cokato, ready for

26 Twinhome lots in the new Heritage Park of

and pond. Needs to be split from larger parcel.

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

and gutter are in. Views of Powder Ridge!

great location. Rolling terrain, with field, trees

your new home! Beautiful trees mark the corner

Kimball development. Utilities, blacktop, curb

10 Acres, Annandale $89,900 | #3985410

South Haven $39,900 | #3979982

South Haven $47,900 | #3984907

Buildable, 10-acre parcel. Great open land to

Lot with views of Lake Marie. Includes 2 stor-

Lot with great views of the Clearwater River

outbuildings. 2 miles from town, country feel!

screened porch. Affordable weekend getaway!

Clearwater Lakes.

build a dream house, with room for shed or

age sheds, 8x28 Dutchman RV with 12x24

Clearwater $39,900 | #3985640

Annandale $54,900 | #3627279

Wooded 2-acre parcel in prime location close

1.87-acre lot on the SW edge of Annandale.

place. Ready to build the home of your choice!

conveniences of town just blocks away!

to the mighty Mississippi. Garage already in

and water hook-up included. Access to Grass/

Build with privacy and elbow room, with the

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

Gary Dagner Realtor速, GRI

Carla Sundblad Realtor速, GRI, WCR

(320) 309-1739

(320) 493-1361

Call for more information!

A quiet development

of large country lots, located

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

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

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

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

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

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

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

11435 60th St. NE, Albertville $29,900| #3999071 PENDING 7955 Greer Ave. NE, St. Michael $62,500 | #3995826 3990 Larabee Ave. NE, St. Michael $94,900 | #3991007 16142 109th St. NW, South Haven $125,000 | #3996529 10593 64th Lane NE, Albertville $124,900 | #2985231

111 Charity Lane, Montrose $95,000 | #3992758 500 Frankfort Way, Waverly $103,900 | #3992758 105 Buffalo Run Rd., Buffalo $99,900 | #3977111 PENDING 701 10th St. S, Buffalo $99,900 | #3981957 PENDING 617 Amber Lane, Buffalo $121,500 | #3986033 PENDING

72982 235th St., Dassel $82,500 | #3979604

2102 10th St. Circle NE, Buffalo $147,900 | #3961830 PENDING

209 N 2nd St., Darwin $64,000 | #3926546

902 Quail Pass, Buffalo $179,900 | #3992751 PENDING

1220 Irvine Dr. NE, Hanover $244,900 | #4000185 12470 Afton Ave. NE, Monticello $137,900 | #3999931 2601 Grover Ave. NW, Maple Lake $164,900 | #3963675 10141 49th St. NE, Albertville $239,000 | #3965222 9751 Woodcrest Court, Monticello $122,900 | #3998209 PENDING


624 10th Ave., Howard Lake $62,500 | #3961134 PENDING 9196 Orchard Lane, Monticello $64,900 | #3965716 PENDING 265 Myrtle Drive S, Annandale $89,900 | #3914492 PENDING 205 Bluff St., Clearwater $91,900 | #3964853 PENDING

12498 43rd St. NE, St. Michael $94,900 | #3989219 PENDING 915 Steamboat Lane, Montrose $114,900 | #3973840 PENDING 5419 Kalli Ave. NE, Albertville $177,500 | #3965477 PENDING 9823 103rd St. NE, Annandale $299,900 | #3992056 PENDING 7625 Red Fox Trail, Greenfield $114,900 | #3978375 PENDING 7165 Sterling Dr., Greenfield $127,900 | #3981697 PENDING 425 Main St. N, St. Michael $81,500 | #4000981 15691 79th St. NE, Otsego $184,900 | $4001835 12776 43rd St. NE, St. Michael $99,900 | #4001766 2577 Jansen Ave. NE, Buffalo $114,900 | #4003891 1249 Gowan Ave. SW Waverly, MN 55390 $139,900

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commercial new business? we have your location.


Highway 55, Annandale

Highway 55, Annandale

$109,000 | #3959186

$199,900 | #3851536

$699,900 | #3978485

Commercial opportunity in the quaint town

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

building with adjacent home currently used

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

of Fairhaven. Corner downtown commercial

for rental. Commercial building has 9x9 of-

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

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

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

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

rior cement floor, and plumbing.

The Bay Club

$774,900 | #3953658


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

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

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


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Main Street, Annandale

Main Street, Annandale

$84,900 | #4001242

$124,900 | #3902412

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

Successful coin operated laundromat located in the hub of Annan-

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

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

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

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

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

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

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

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

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


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

Open 7 days a week year round for YOUR convenience!

Annandale’s Main Street

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(320) 274-4438 35

Maple Lake $449,900 | #3844346

Dare to dream big! Commercial Property with two large buildings lo-

cated on four acres with easy access to Highway 55. City sewer and water. The possibilities for this commercial facility are unlimited! Of-

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

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


Personal Storage Condominiums $57,120 | #3968698 Got stuff? Own your own storage condo! Power, heat, 16x14 overhead door with opener, 16’ side walls. for more info.

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

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lake maps Explore and enjoy area waters

City Park, Beach, Fishing Pier, Public Access

509 acres

3 Public Access, Fishing Pier

City of Annandale

pleasant lake


Map images available online at

Clearwater/Pleasant County Park

3 Public Access

french lake 332 acres

Grassy Island

granite lake 339 acres

3 Public Access

Map images available online at

lake john 411 acres


Public Access

3 Public Access

3 Public Access

cedar lake 837 acres

Map images available online at


Public Access

777 acres

maple lake

Public Access


Public Access

3 921 acres

lake francis

Map images available online at


Bell Point

sugar lake 777 acres

indian lake 3

Public Access

Public Access


n ne l

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

(both lakes combined)

Lake Sylvia Peninsula

Bull’s Island

3 Public Access

Map images available online at

otter lake

3 Public Access

Bungalow Island

3 Public Access

l a k e au g u s ta 178 acres

grass lake

bass lake 218 acres


Public Access

The Narrows

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

Map images available online at

Grass L Otter Lake


Lake Caroline Lake Louisa

Lake Marie Lake Augusta

Clearwater River

Clear La s o u t h h av e n

Lake Betsy

Pleasant Lake Lake John

Lake Union


Lake Sylvia Pickerel Lake Moose Lake

Lake Francis French Lake

Granite L Crow River

Limestone Lake


Bass Lake

Sugar Lake Silver Lake

Indian Lake

rwater ake

Cedar Lake

Mink Lake Somers Lake Lake Mary

Swartout Lake

Maple Lake maple lake

Ramsey Lake

Lake Map images available online at

call. click. come in.

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

maple lake office


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

Heart of the Lakes Property Portfolio | Winter 2011  

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

Heart of the Lakes Property Portfolio | Winter 2011  

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