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Heart of the Lakes property portfolio


winter 2012


Since 1974

a ne w direction Where is the Heart of the Lakes market headed? We all know what we hear. Values are down and the foreclosures and bank-owned properties are driving the market. But is that the whole story? As we enter 2012, overall I feel we have gotten through the worst part of the lending disaster. If you are going to jump in the market as a buyer (especially with homes under $150,000) get ready to be on your toes. This sector of

the market is hot. First time home buyers have the opportunity right now to purchase a great home at a low price. We see multiple offers on

many of these listings. I just closed on a home for a great couple, newly-married and looking for their first home. We wrote 10 offers before we

were able to get a signed contract. This is a strong sign that the market is turning a corner. Over the last year we have seen inventory levels drop (buyers have less to look at). When inventory is low, you should start to see the property values go up. This is a great time to put your property

on the market. We have a strong marketing plan for sellers. We focus on the details, provide high quality in advertising and service, and stay in tune with the market and how it moves on various levels. Curious what a marketing plan would look like for your home? Do you have questions

or concerns? Give us a ring. We love what we do, and as a team are excited to work with buyer and sellers, whatever your real estate needs may be. The best way to predict the future is to create it! - Steve (Brugge) Bruggeman, Owner

Table of Contents

[ cover photo ] Road in hoar frsot, near Cedar Lake

l akeshore

General Contact 4



lots & l and


commer cial


l ake m ap s


Watch for these icons!

p [

take a virtual tour watch a pr opert y tr ailer

Find us on Facebook!

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

Visit our YouTube Channel

Your guides

to the heart of the l akes

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

Associate Broker (320) 980-2445

gary dagner

hollie dagner

mike mcnellis

carla sundblad

justin wisner

amy mcnellis

t o m g ay

tiffini kiebel

Realtor®, gri, wcr (320) 493-1361

Realtor®, gri (612) 226-6649

Realtor®, gri (320) 309-1739

Realtor® (612) 963-4190

Realtor® (320) 309-1739

Realtor® (320) 492-1641

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

Realtor® (763) 464-2048

Interested in real estate as a profession? Are you self-driven? A team player? Interested in real estate? If you are

familiar with the Heart of the Lakes Area, and have or have thought

about getting your real estate license, come talk to us. We are a fast-paced group of professionals who work independently but value how the team

angie wisner

Office/Marketing (320) 274-5737

amy miller

Marketing (320) 274-5737

and company function as a whole. We are the area’s oldest brokerage, now in our 38th year. Call 320-274-6363.

lakeshore luxury on area waters

Lake Sylvia

Lake Sylvia Peninsula

Sugar Lake

This stunning waterfront home sits in a pristine

Beautifully-designed home that has wonder- Wooded 5-acre lot with a thoughtfully finful upgrades inside and out. You’ll love the ished home. Lovely master suite with custom-

$1,995,000 | #4092398 bay on Lake Sylvia and encompasses 1.7 acres

of wooded privacy and 154’ of beautiful shoreline. A spectacular property with fully-finished

outbuilding, boathouse, and landscaping that is thoughtfully designed to entertain friends and family. Read more on Page 7.

$849,900 | #4061381

$1,550,000 | #4107983

spacious paver patio you can step out onto ized closet, private bath and sliding door to the from the main floor master suite. Overlook lakeside deck. Expansive rec room on upper

90’ of level, natural shoreline. Upper level loft level and fantastic storage space in lakeside and bedroom is perfect for family or guests. tuckunder garage. Walls of glass offer stunning Read more on Page 8.

lake views. Read more on Page 15.

Clearwater Lake $399,900 | #4050798

Gorgeous level lot with towering trees and 135 feet of level, sand shoreline, near the “Narrows” on the area’s largest body of water, Clearwater Lake. Enjoy this mature lot with abundant shade and lush green grass. This is the perfect spot to put a dock in and enjoy the lake now and build your

dream home later. Lot size is .59 acres and has beautiful sunrise views. This is a prime lot in one of the most sought out locations on Clearwater

Lake. Enjoy 3,000+ acres of fishing, swimming and boating, along with access to two supper clubs and other lakes in the Clearwater Chain.

Cedar Lake $599,900 | #3897952


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

stainless steel appliances, hickory cabinets, and granite counter tops. A mud/laundry room with tile floors and built-in lockers is great for com-

ing off the lake. Cedar ceilings, wood plank flooring and tons of windows facing the lake. Spacious lower level walkout includes a family room, 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 with a stamped concrete sidewalk leading to the sandy shoreline. www.oakr e al ty m n . c om


Lake Sylvia $399,000


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

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

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

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



Lake Sylvia

$1,995,000 | #4092398


Tucked in the trees of Lake Sylvia’s renown Peninsula drive lies this spectacular stone and 1/2-log sided home. Built in 2004, and thoughtfully designed

to embrace a wooded, 1.7-acre lot and its views of a quiet, pristine bay on Lake Sylvia’s East lake, the 6,500 sq. ft. home is just one part of this property to enjoy. A spacious Tigerwood lakeside deck, paver patio and 400 sq. ft. boathouse/deck that overlooks 154’ of shoreline invite you to entertain family

and friends. A fully-finished outbuilding with bonus rooms offers additional space beyond the 6 bedrooms and 5 1/2 bathrooms in the main house. Interior highlights include walnut flooring, granite countertops, and a vaulted great room with stunning fireplace and full log trusses. More features include highly efficient heating/cooling, Epoxy floors in the boathouse and garages, superior sound systems, private boat launch and so much more.

www.oakr e al ty m n . c om


Sugar Lake

$849,900 | #4061381


Gorgeous well-built home that will leave you breathless with the stylish upgrades and stunning built-ins throughout the home. Walk into a vaulted

foyer and enjoy a mud room, laundry room, utility room and door to garage off to the right. Main floor is open with the kitchen, 2-story family room, dining room and living room, all enjoying amazing views of the lake. The main floor master suite is spectacular with a sliding glass door to patio with electronically operated blinds, 2-sided glass fireplace that leads to the master bathroom with a soaking tub and large walk-in closet. The upper level has a loft that overlooks the foyer and family room, full bathroom, den, and second bedroom. You will fall in love with stunning boulder landscaping and lush green gardens. Enjoy a patio with a built-in fire pit overlooking 90 feet of natural shoreline. Are you ready for the lake home of your dreams?



Moose Lake $199,900 | #4115113


Beautiful year-round home with pristine views of quiet Moose Lake! Filled with updates from new paint to new living room windows. Open

floor plan with a dining room that overlooks the lake. The kitchen is open and bright with gorgeous granite countertops. The lower level

has a spiral staircase, large family room, and is a walkout. Nicely land-

scaped yard with a new paver sidewalk and boulder retaining wall. Enjoy 139 feet of shoreline, excellent fishing and recreation and the quiet and peaceful beauty of Moose Lake.

www.oakr e al ty m n . c om


Frank Ledwein

King of Carp Republished from the Heart of the Lakes Vacation Guide ‘93

Editor’s note: After this story appeared in the Minneapolis Star Tribune June 2, 1983, David Nikolow of Falls Church, Va., caught a 57-pound, 13-ounce carp on the Potomac River near Washington D.C. breaking Frank Ledwein’s world carp record. Ledwein, who died in 1983, still holds the Minnesota state record.

By Ron Schara Minneapolis Star Tribune On the front of his cap in big letters was “Carp No. 1.” He wore it proudly, Frank Ledwein did. He earned it. For better than 30 years, Ledwein took the brunt of carp jokes and carp insults from carp hecklers. “And you know what,” his widow, Harriet, said “he never got mad about all the ribbing. Deep down I think he was proud of the record, and why shouldn’t he be?” Indeed. Frank Ledwein in 1952 achieved what other fisherman has been able to match. He caught on July 10 the world’s record carp, a 55-pound, 5-ounce beauty on Clearwater Lake near his home in Annandale. It’s a record that still stands. And the giant carp remains the only world class fish to come out of Minnesota waters. His world record carp, packed in ice, was displayed at giant expositions in Chicago and New York. When it was time to get the carp back, Ledwein said he didn’t want it. He was offered all-expense paid trips to world champion carp-catching contests. He turned ‘em all down. His business was selling bait fish. “But I don’t have any signs in my store and I don’t

tell people (about his record carp),” he said in an interview 14 years ago. But Ledwein always had an answer for his heckler. “It was and is,” he’d say with a grin, “a world’s record.” He, of course, was introduced as that “famous carp fisherman.” It was a title he never denied, although he may have had regrets. As fate would have it, Ledwein was fishing for northern pike when the giant carp grabbed the bait, a 4-inch sucker minnow. Ledwein didn’t know what he’d hooked at first. “I thought I had caught a sunken outboard motor,” he was quoted as saying afterward. But the carp, a spawned female, didn’t fight much. “Came up like a log,” Ledwein said. The “log” was 42 inches long with a girth of 31 inches. But it put his name in the record book. Ledwein [early in 1983] suffered a stroke and was hospitalized. “The nurses thought it was great that they were caring for a world record fisherman,” said his wife. “And when he got the fishing cap, he wore it two or three times. He took a lot of razzing, but he never got mad.” On March 6, 1983, Ledwein died of a massive stroke. He was 70. And still champion.

Story shared by:

Jim Ledwein, Frank’s son

Share your story!

In person, by mail or online Annandale Office 720 Elm Street East PO Box 298 Annandale, MN 55302

Clearwater Lake $349,900 | #4062843

Lake Sylvia $319,900 | #4110664


Sugar Lake $145,000 | #4089303

Original 1926 cabin with screen porch, 3-season porch, 2 bedrooms and 2 garages. 148’ of beach, wooded, deep lot. Great location and views!

Lake John $229,900 | #4106163

Level lot with gorgeous sunset views, enjoy a spacious lakeside patio, 1,861 fsf with 2 wood burning fireplaces. 65’ shore, 1 mile to town.

Lake Louisa $154,000 | #4109337

Sweet getaway cottage ready for you to relax and unwind at the end of the week. Open design with a wall of windows facing the lake.

Scenic 1.2-acre lot in quiet Northridge. 232’ of shore in Madsen’s Bay. Paved, dead-end drive, residents share a private boat launch!

Buildable lot with 102’ of lakeshore. Over half acre lot on a tar road. Two sheds and a 1990 trailer currently on the lot, holding tank & well.

Lake Sylvia $485,000 | #4077430

Charming cottage on a 1/2-acre lot with 136’ of hardbottom shoreline. Enjoy beautiful views from the deck of the 12x12 boathouse!

say he l l o to u s at bo o t h # 7 1 0

We enjoy the Lake Home & Cabin Show for many reasons. It is a wonderful place to meet new people, the atmosphere is relaxed and with endless lake home toys and furnishings, it’s just fun to think about summer in the middle of winter! We hope you’ll stop in February 10-12 at the Minneapolis Convention Center, to see what’s new, catch a seminar, and say hello to our team! 12


Beautiful 18x24 Wall Prints High quality satellite images of our area lakes printed on an elegant, matte finish stock. Free and available at our Annandale Office. Stop in and grab one for a friend too!

l ake s avai l abl e : sy lv i a, s ug ar / i n di an , joh n , pl eas an t, c edar, and c l e arwat e r / aug u sta / o t t er / g ras s / bas s

Days Lake $149,900 | #4067612 Gorgeous private retreat or development. Build your dream home or make your development dreams come to life. This 18-acre parcel is currently split into 5 lots, and the plat is already filed. Purchase it, put in a road and the opportunities are endless. Or, make it all your own and enjoy 1,100 feet of lakeshore on the South side of Days Lake which is 26 acres with a maximum depth of 24 feet. With a pond, the lake, and mature trees, this is a hunters dream, and ideal for anyone who is looking for seclusion and privacy in the country.



Lake Sylvia

$1,550,000 | #4107983


Come home to this beautiful West Lake Sylvia lake home, and surround yourself with 5+ acres of mature woods and privacy. Perched above the

lake with spectacular views, this thoughtfully finished year-round home or vacation retreat was built in 2007 with quality and comfort in mind. It is the details that make this home shine. Douglas Fir wood floors with a fascinating history, custom Knotty Alder cabinets that close silently, in-floor heat in every bathroom and wonderful top of the line appliances. Retreat to a master suite that has its own sliding doors to the lakeside deck, a customized walk-in closet, and spacious master bath with whirlpool tub. Use the expansive upper level recreation room for family fun and entertaining. A setting perfect for the couple or family seeking a spectacular home in the trees, this propoerty is ready to be enjoyed.

www.oakr e al ty m n . c om


Pleasant Lake $489,900 | #4088415 Stunning lake home with 100 feet of sandy shoreline on Pleasant Lake. Not a single feature was overlooked on the construction and landscaping

of this immaculate home sitting on nearly one acre. Natural stone and

woodwork throughout showcases a cozy and comfortable “Up North” feel without the drive. Abundant storage in the 30x40 pole building

and triple attached garage. With an expansive front deck, balcony, and

screened porch there is plenty of space for friends and family to view beautiful sunsets, soak up the warm sun, and enjoy the outdoors.

Clearwater Lake

$189,900 | #4043052


Henshaw Lake

$174,900 | #4104496

Charming one-level, seasonal cabin on the water’s edge. Cabin comes

Welcome home to this 2 story country charmer. This century home fea-

out and includes a spacious living room, bedroom, bathroom and kitchen.

updated kitchen with maple cabinets and a gorgeous slate back splash.

fully furnished and ready to enjoy. Cabin has lovely knotty pine throughScreened in porch has spectacular views and is perfect for those breezy

summer nights. Enjoy a storage shed for all your lake toys and tools. You will love 90’ of Clearwater Lake, perfect for boating, fishing or just relaxing in the warm sun!


tures 4 bedrooms all on one level. Enjoy entertaining with a beautiful Enjoy the breathtaking sunsets from your three seasoned porch. This 3-acre property has shoreline on Henshaw Lake and offers a peaceful

country setting with the best of both acreage and water, with a spacious home ready for the entire family.


French Lake

Sugar Lake Access

This charming 2 bedroom seasonal cabin is ready to enjoy. Virtually

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

gles. The hard to find level yard is ideal for games. The back lot pro-

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

$171,900 | #4101228 maintenance free with new vinyl siding and newer windows and shin-

vides additional space for tents and campers. The lake shore is sandy, hard bottom and weed free. The open floor plan and wall of windows provide a georgous view of the lake! The tongue and groove interior and vaulted ceilings give a wonderful “up north� feel.

www.oakr e al ty m n . c om

$199,900 | #4041823


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

finished garage, gas fireplace, walkout lower level, new roof in 2008 and

a huge deck. You will also have a 1/24 deeded access to Sugar Acres, where docks and boats are welcome. There is also abundant room for picnics and entertaining along the water. The perfect setting!


Lake Sylvia $259,000 | #4099734

Cokato Lake $159,900 | #4100680

Crooked/Long Lake $199,900 | #4078695

Lake Marie Deeded Access $39,900 | #3979982

Grass Lake $119,900 | #4109330

Clearwater Lake $199,900 | #4113541

Nearly 3 acres of serene and peaceful woods and shoreline on prestigious Lake Sylvia. Fantastic views, a wonderful spot to build your dream home.

Quaint, maintenance-free lake home conveniently located off I-94. Spacious, 3/4-acre wooded lot. Warm, comfy interior. A great retreat!

Great 3-season cabin with resort amenities incl. beach, docks, outdoor pool, 17-acres of common grounds. Updated interior & exterior.

Alluring building lot with gentle slope to 539-acre Cokato Lake. 150’ of lakeshore. 45 minutes to the Metro. Stocked with walleyes in 2008.

Affordable weekend getaway in the Heart of the Lakes. Includes 2 storage sheds, and an 8x28 RV with screened porch. A great summer spot!


Charming cabin ready to move-in and enjoy. Level lot with West-facing views. Newly remodeled! Fireplace, wood floor, loft for kids, dock!

f r e e ar e a l ak e m ap s !

New Clearwater Lake maps complete our one-of-a-kind series, created by hand by Steve over many years. These maps accurately show how property lines lay out around the lakes. Pick up a free wall-sized print in our office. Others still in stock include: Pleasant Lake/Lake John, French Lake, Cedar Lake, Granite/Camp Lakes, and Sugar/Indian Lakes. 18


Maple Lake $349,900 | #4031298 Great livable year round home located on one of the nicest lots on the lake. True value is in the lot and stunning lakeshore. Enjoy this move-in condition home and remodel or rebuild your dream home later. Large open

kitchen, a living room with gorgeous views, three bedrooms, great natural light throughout, and a spacious lakeside deck. Have plenty of room to

store all your vehicles and lake toys with two detached garages. This large lot is perfect for yard games or just enjoying the sunrise views. Grab your lawn chairs and soak in the sun on 150 feet of sandy shoreline!

www.oakr e al ty m n . c om


Lake Union $189,900 | #4083128


Gorgeous home on 120 feet of shoreline. Enjoy everything you need

is on one level. The kitchen opens to dining area and living room. Step on out to lakeside deck from dining area and enjoy views of Lake

Union. This home has an abundance of storage space and room to

spread out. You will love a master suite with a private 他 bath and a second bedroom, both with neutral colors and ceiling fans. Newer paint throughout and many upgrades. Mature, level lot offers a quiet and peaceful setting.



Be Charmed by Lake Sylvia

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

2012 Availability! Contact us for more information about this home and other luxury vacation rentals in the Heart of the Lakes.



w w w.oakr ealt y

residential come home to brand new

Maple Lake


Own a brand new home, in a well kept and

Twin home full of style located in Hunter’s Beautiful new two bedroom, one bath home to

add your own touches by choosing the flooring,

You will love open concept living with a large back, less than a mile from Highway 55. Lo-


established neighborhood! Ready for you to

paint colors, and appliances! Located within

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

$134,000 | #4116420

Maple Lake

$149,900 | #4051008

Cove with two bedrooms and two bathrooms. be built on a nice lot with a tree line in the

vaulted great room. Home also includes at- cated close to area lakes and parks. Includes tached garage, laundry room, and spacious mas- kitchen appliances. Builder can have the home ter bedroom and bathroom all on one level.

done in 60 days.


$279,900 | #4115693


Remarkable home on the 2nd fairway of Southbrook Golf Course. Walk in to a main level drenched in sunlight with walls of glass throughout this spacious open concept home. Beautiful colors and finishings throughout include custom maple cabinetry with an abundance of storage, 6-panel

doors, 9 foot ceilings, two gas fireplaces, and tile floors. Get away from it all in your private master suite with huge walk-in closet, views of the course

and a private bath with whirlpool tub. Entertain with ease in an open kitchen with beautiful cabinets and spacious pantry. The dining room is surrounded by walls of glass and walks out to a large balcony perfect for grilling. A living room with see thru gas fireplace flows into a sun room that

walks out to a course side balcony, perfect spaces for large gatherings. The lower level boasts an office, exercise/utility room, entertainment area, family room with gas fireplace, 3rd bedroom, 3/4 bathroom and walks out to the patio with views of the fairway. This is truly a course side dream home.

www.oakr e al ty m n . c om



$249,900 | #4078443


South Haven

$229,900 | #4072136

Motivated sellers, need to sell now due to job relocation. Breathtak-

Impressive three bedroom, three bath country home situated on 3.46

from town. Enjoy a great open floor plan with three bedrooms and

2-panel doors, whirlpool tub, tray ceiling and upgraded appliances.

ing quiet country home built in 1996 on dead end street just minutes three bathrooms. Two large patios, a deck and workshop located just

off the two stall detached garage. The lot size is over half an acre. This beautiful home is ready and waiting to be enjoyed.


acres. Home offers beautiful hickory cabinets in the kitchen, tiled floors, Large deck in the back of the home overlooking an expansive lawn. A 4-car heated attached garage is a perfect match to this home. Easy drive to St. Cloud or the Twin Cities. Home was built in 2003.


Clearwater $204,900 | #4086736 p[ One level country charmer situated on 4.8 the green movement in mind, starting with holiday gathering spot. The wall of windows acres of woods, pond and gently rolling ter- situating the home into the slope of the land highlights the kitchen and dining area and

rain. Acreage offers wonderful open space for energy efficiency and extending to re- makes you feels like you are having a picnic for all of your favorite outdoor activities. claimed wood and recycled materials that are on the inside of your home. This country Mature trees and pond attract natures vis- used throughout the interior. The home of- charmer offers nearly 2,500 finished square tors. Wildlife comes to you so sit back and fers flowing, open room sizes. A great home

feet of character, and matched with the in-

storage or shop area. Home was built with ily and friends year round. You will be the

home throughout.

enjoy. Several sheds are available for extra

for holiday festivities and entertaining fam- terior decor, it has that warm cozy feeling of

Clearwater $109,900 | #4041490 Attractive and spacious 4-level home built

dining and main floor. Entertain on the low- for. It has a wonderful location with an easy

borhood of Clearwater. Retreat to the upper

ready for action. Functional laminate wood block walk to the community park, making

bath and spacious closet. The upper level liv-

kitchen and dining room. The home is 1,988

bright sunlight of a large window overlooking

a double attached garage. Every inch of space great value and motivated seller, this home is

in 2003, in a great location in a great neigh- er level, with a large, game day family room

in and out of the development, and just a 1

level master suite with convenient walk thru flooring extends throughout the main floor it ideal for families. For commuters working area is a great place to relax and read with finished square feet with full appliances and the backyard. This living room overlooks the is spotless, and has been meticulously cared www.oakr e al ty m n . c om

ing either direction on I-94 from Clearwater, this is a wonderful spot to call home. A worth taking a second look at!


Annandale $129,900 | #4061975

Sharp, fully-finished tri-level home with backyard views of a pond and wildlife. Newly-finished lower level recreation room and full bath.

Buffalo $129,000 | #4101212

Clean home with lots of potential! Beautiful backyard with storage shed, firepit and playhouse. Join Pulaski Shores and enjoy the lake!

Sauk Rapids $229,900 | #4074953

Maple Lake $119,900 | #4004793

South Haven $229,900 | #4096586

Clearwater $109,900 | #4106352

Looks like new! One-level home on 9+ acres. Oversized 2-car heated garage, spacious interior with many upgrades and extras throughout.

Beautiful rambler in a quiet neighborhood. Ready to move in! Wooded, 1-acre lot, wrap around deck, vaulted ceilings, very well cared for!

Watch Property Trailers on

Well maintained duplex with two spacious apartments. Live in one and rent the other, or rent both. Located in the heart of Maple Lake.

Just minutes from I-94 and Hwy 10, this well-maintained 2-story home sits on a large city lot. Recent updates: paint, carpet, lighting!

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. They are a fun way to take a tour. Have you seen one yet?





$119,900 | #4101844


$97,400 | #4086387

Fantastic opportunity to own prime property in the city of Kimball.

Quaint and charming country home on 5 acres approximately 5 miles

spacious corner city lot, and tastefully decorated. The convenience of

nearly 1,200 finished square feet of one level living wtih 3 bedrooms and

This property has had many updates throughout. Large 3-car garage, a main level laundry, bright and open living area, and master bedroom with additional sitting area are just some of the features this

home offers. Great location with easy access to Highway 55 or 15 and walking distance to downtown and the school.

www.oakr e al ty m n . c om

South of Watkins. This home boasts a large foyer and convenience of

a spacious bathroom. Many updates including newer windows, shingles,

furnace, central air, updated tile and laminate flooring, and septic in 2006. Multiple outbuildings and country setting make this ideal for the nature lover. Live in the current home and build your dream home later!



$239,900 | #4110026


Gorgeous patio home on the 9th fairway in

gatherings. Cozy up to the gas fireplace in the

level that is perfect for a hobby room (and

Home was built in 2002 and specifically

ings and sliding glass door to the golf course

Southbrook Golf Course development is con-

the Southbrook Golf Course neighborhood. designed with stunning views of the course

from the family room, living room, porch and patio. With 1,880 finished square feet, this

home is wonderfully comfortable for a couple

and offers plenty of space for family visits and

living room and enjoy beautiful vaulted ceilside patio. The spacious master includes a

large walk-in closet and private master bathroom with tile floors and heat lights. Enjoy

abundant space with an extra large lot that

includes an additional half lot and a lower

a place to retreat to during summer storms). veniently located just outside Annandale city limits close to schools, shops and parks. There are also walking paths around the develop-

ment and leading into town. This is truly one level living with extra space for everyone.

PROPERTY TRAILERS Visit our channel on the world’s second largest search engine, YouTube! View stunning property trailers, share them with friends, subscribe and stay up to date!



Annandale $34,500

Kimball $159,900 | #4050991

Maple Lake $94,900 | #4112804

Kimball $388,000 | #4084451

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

Nice quiet setting in town, with easy access to downtown. Heated garage stall, no stairs, security entrance, large windows, walk out to patio.

Clearwater $109,900 | #4100166

Three bedroom home in a great location, on a nice corner lot with a park across the street. Newer updates to roof, windows and furnace.

New home to be built in Kimball’s newest development. Get to know this “Green” concept neighborhood. Oversized lots. Move-in in 60 days!

Enjoy the quiet, country life with 40 acres of woods and wildlife. Great location in Kimball city limits. Three bedroom walkout home.

Maple Lake $74,900 | #4113490

Clean unit, ready to go. Patio, spacious interior, and indoor access between your unit and your heated garage. Close to amenities in town.

joi n u s on fac e b o ok

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$349,900 | #4087991


Maple Lake

$154,900 | #4073227

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

This move in ready tri-level split in Maple Lake has an open kitchen

appliances, wood flooring, granite countertops in kitchen and bath-

cious deck perfect for entertaining, welcoming front porch, storage

of Annandale. Home boasts 2,842 finished sq. ft., with stainless steel rooms, a private master suite, vaulted living room with a gas fireplace, in-ground swimming pool with huge patio that is great for entertaining, play house, and a pole shed with office, just to list a few! Truly a home the entire family will enjoy.


and dinning area. Other features include a private master bath, spa-

garage in back yard, and immaculate lawn with beautiful flowering trees. With 3 bedrooms and 2 baths there is plenty of room for the

whole family. The lower level office could also easily be converted into an additional bedroom.


LAND ready to build country lots

3 Acres, Silver Creek

25+ Acres, Clearwater

Privacy is yours with a beautiful and mature,

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

your dream home! The lot overlooks a nice

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

$59,900 | #4039249

3-acre country lot. A perfect location to build

pond, with wonderful views. Located on a

quiet, dirt road. Bring your own builder, or use one of ours!

$134,900 | #4043252

9+ Acres, Clearwater $79,900

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

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

build your dream home.

Silver Creek Heights

Silver Creek Heights, Maple Lake


Hunter Lake Bluff, Clear Lake

Upscale development offering private lots open

1.87-acre lot on the SW edge of Annandale.

7 scenic residential lots ready for your new

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

conveniences of town just blocks away!

Lake. Each approximately a 1/3 acre in size.

From $69,900


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

$54,900 | #4005322 Build with privacy and elbow room, with the

From $19,900

home, located just off Highway 10 in Clear

10 Acres, Annandale

South Haven


Buildable, 10-acre parcel. Great open land to

93 acre parcel of rolling farmland. Borders the

Heavily wooded 5-acre parcel near Sugar

outbuildings. 2 miles from town, country feel!

bilities). Pond on the NW corner.

tract for Deed financing available.

$89,900 | #4043119

build a dream house, with room for shed or

$299,900 | #3903363 City Limits of South Haven. (2 building eligi-

$83,500 | #4085620 Lake and. Driveway in. Great hunting! Con-


South Haven


Private country lot! 1.5 acres, with mature

Lot with great views of the Clearwater River

Fantastic 10-acre property with 1 building

to build your new home. On a quiet road.

Clearwater Lakes.

nearby. Rolling hills, woods, wildlife!

$35,000 | #4038618 trees, a great location for the nature enthusiast

$47,900 | #3984907 and water hook-up included. Access to Grass/

$74,900 | #4051116 entitlement. Peaceful area, with access to I-94


Silver Creek

South Haven

26 Twinhome lots in the new Heritage Park of

Rolling 3-acre parcel near Silver Creek, nicely

Level lot with approximately 75’ of Clearwa-

and gutter are in. Views of Powder Ridge!

ful setting to build your new home!

ter Lakes. Access to shared park. Great views!

$399,900 | #4067353 Kimball development. Utilities, blacktop, curb

$59,900 | #4039249 wooded with a pond on the property. A beauti-

$59,900 | #3984910 ter River frontage. Access to Grass/Clearwa-


Meadows of South Haven

Heritage Park of Kimball

Three nice lots in the City of Cokato, ready for

7 lots available, ranging from 3 to 3.9 acres.

28 oversized, single family lots available in this

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

payment and 0 interest for 36 months.

Ridge. Quick commute to St. Cloud!

From $29,900 your new home! Beautiful trees mark the corner

From $54,900

Excellent Contract for Deed terms, low down

South Haven

Southbrook Golf Course, Annandale

Lot with views of Lake Marie. Includes 2 stor-

Beautiful building site on the 4th t-box and

screened porch. Affordable weekend getaway!

on a quiet cul-de-sac. Build your dream home!

$34,900 | #4112590 age sheds, 8x28 Dutchman RV with 12x24 32


new “green” neighborhood! Views of Powder

$49,900 | #4058901

fairway at Southbrook Golf Course. Large lot



39+/- Acres, South Haven

Sauk Rapids

Beautifully wooded, 1.73-acre lot in an estab-

Just South of South Haven on County Road

Private hunting preserve. 80 gorgeous acres of

comfort of homes nearby. Not far to town!

able. Corner parcel.

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

$27,900 | #3897812 lished neighborhood. Enjoy privacy with the

$148,900 | #4112207

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

$360,000 | #4056537 woods and water. Keep it to yourself or split into

50 Acres, South Haven

Hunter’s Cove, Annandale

South Haven

Tillable land just north of Lake Sylvia. Beauti-

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

Gorgeous wooded, 1.6-acre lot. Quiet and

Edge of South Haven, more land available.

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

home. Close to Fairhaven.

$189,900 | #4112208

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

Lots from $18,900

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

$34,900 | #4112590 secluded location to build your new country

Hunter’s Path, Annandale

Maple Lake

Views of Lake Sullivan

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

Beautiful 3-acre country lot. Mature parcel per-

Privacy is yours and beautiful views. Heavily

1-acre. Neighborhood of quality-built homes.

looks a pond, located on a quiet road.

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

$59,900 | #4017357

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

$59,900 | #4039249 fect to build your dream home on. Lot over-

$39,900 | #4112591

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

Hunter’s Cove Limestone Trails


Four lots available at Limestone Trails. Large

13 acres of bare land on the West side of the

outlot and lake access. Ideal for nature lovers.


From $44,900

acreage lots with mature trees, trails, 25+ acre

$89,900 | #4112103 city limits of Kimball. Currently leased for ag-

93 Acres, South Haven

Cedar South, Clearwater

Rolling farmland bordering the city limits of

Oversized city lots in a great neighborhood

age on Hwy 55. Pond in the NW corner.

Lots are 1 block from the park.


South Haven. Two building eligibilities. Front-

From $19,900

with easy access to St. Cloud or the metro.


Market Retreat, Annandale

Large, 38-acre lot, with room for horses and

Large country lots located between Annandale

to be determined by new survey.

Close to Hwy 55, town, and golf course.

$170,000 | #4100382 more! Perfect hobby farm site. Exact acreage

From $65,000

and Cedar Lake. Quiet, wooded development.

www.oakr e al ty m n . c om


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

(320) 309-1739

A quiet development

of large country lots, located

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

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






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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.

commercial new business? we have your location.

Main Street

Highway 55

Charming red brick storefront in a prime lo-

Prime, high visibility, Highway 55 location for Excellent .36-acre commercial lot, with front-

foot traffic makes this a great location for of-

rently leased until November 2012. Many pos- to I94! Convenient location in a busy part of

$45,900 | #4114092 cation in downtown Annandale. Abundant fice, retail or service! 768 sq. ft., open, with an updated interior. Bring your ideas Annandale’s charming , canopied downtown, the options are endless!

$179,900 | #4102119


$159,900 | #4112593

a small business or general office space. Cur- age on busy Broadway Street, and easy access

sibilities for current building or tear down and town, with high traffic counts! Close to many start new. Large lot with room to expand. Cor- ammentities, hospital, and large stores! Addiner location just a few blocks from downtown tional properties that are adjacent to this lot are Annandale.

also for sale.

Maple Lake

$399,900 | #4056645


$549,900 | #4113784

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

Great commercial location on busy Broadway Street, approximately 1

possibilities for this commercial facility are unlimited! Office building has

ness. Close to schools, hospital campus and other major retailers such as

on four acres with easy access to Highway 55. City sewer and water. The

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.

acre with great opportunity and potential for you to bring your busiSuper Target, Home Depot, Office Depot, Caribou Coffee, and many

others. Just blocks away from I-94 on/off ramps, and easily accessible, this location is ideal. The lot is visible from I-94 off ramp. Located on a high traffic road bringing good exposure.

South Haven $349,900 | #4093244 Spacious commercial building with a great location on the corner of Hwy 55 and County Rd 2. With approximately 1,055’ of frontage and 6 acres of land, this 4,704 finished square foot building can accommodate many

things. Built by Morton Buildings, it features full footings and foundation, in-floor drain, in-floor 3 zone heat, 1/2 bath and two overhead doors. Second 22x22 building has concrete floor and double doors. Full septic system and 4� well. A lot of space indoors and out to fit a variety of business types or the entrepreneur looking for a home for their next adventure!

www.oakr e al ty m n . c om


Personal Storage Condominiums $52,640

Highway 55 $199,900 | #4101681

Annandale $109,000 | #3865254

Cokato $419,000 | #4093127

Monticello $749,900 | #411307

Kimball $69,900 | #4113316

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

Numerous potential development possibilities. Beautiful .84 acre lot, in great location. 5,000 sq. ft. brick building with newer metal roof.

Excellent 1.8-acre commercial lot with easy access to I-94. Located in a busy part of town with high traffic, close to large stores and amenities.

Parcel has 675’ of frontage on busy Hwy 55. 3.5-acre lot has few limitations. Excellent visibility. Development coming soon on South side.

Commercial opportunity in the heart of town. Great location with high foot traffic. Established businesses currently leasing. 8 units.

9 acres of commercial land on Highway 55 within the city limits of Kimball. 2 blocks from Hwy 55 & 15. City water on North property line.

i nt er e st ed i n pur sui ng r e al e stat e as a pr of e s s ion ?

Are you self-driven? A team player? Interested in real estate? If you are familiar with the Heart of the Lakes Area, and have or have thought about getting your real estate license, come talk to us. We are a fast-paced group of professionals who work independently but value how the team and company function as a whole. We are the area’s oldest brokerage, now in our 38th year. Call 320-274-6363. 38


The Bay Club

$599,000 | #3953658


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

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

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

www.oakr e al ty m n . c om


French Lake Auto Parts


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.



“The best way to predict the future is to create it! � We recently adopted this phrase around our office. It reminds us to keep our minds, our hearts, and our

feet moving toward whatever we want our future to hold. What have you thought about doing for months, or years? If buying or selling a piece of property is a part of your dream or an obstacle in your path, give us a call. It may have nothing to do with real estate. Either way, we applaud perseverance, we are inspired by those paving their own way, and hope this is the year you make tracks toward a dream come true.


Since 1974 make it a great twenty-twelve.

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


Clearwater/Pleasant Regional Park

3 Public Access

french lake 332 acres

Grassy Island

granite lake 339 acres

3 Public Access

lake john 411 acres


Public Access

3 Public Access

3 Public Access

cedar lake 837 acres


Public Access

777 acres

maple lake

Public Access


Public Access

3 921 acres

lake francis


Bell Point

sugar lake 1,015 acres

indian lake 3

Public Access

Public Access


n ne l

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

(both lakes combined)

Lake Sylvia Peninsula

Bull’s Island

3 Public Access

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

Grass L Otter Lake

f a i r h av e n


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

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 2012  

Real estate opportunities in the scenic Heart of the Lakes area of Annandale, Minnesota offered by Oak Realty, the areas oldest brokerage. N...