- 4 beds
- 3 baths
- 3,130 sqft
- ~4 acre lot
- $220 per sqft
- 2015 build
- – on site
Life is Better at the Lake! Discover the perfect blend of peaceful countryside living & modern convenience in this stunning walk-out rambler, nestled on a quiet cul-de-sac in the highly sought-after Saddle Shores on Spider Lake. Just 15 minutes from dt Forest Lake, you’ll enjoy easy access to shopping, dining, & everyday amenities—while living in a home that feels like a year-round getaway. The open-concept floor plan features expansive windows that frame breathtaking lake views & flood the home with natural light. The inviting main living area boasts hardwood floors, a cozy gas fireplace, & built-in cabinetry—perfect for both entertaining & relaxing. The heart of the home, the kitchen, has been beautifully updated quartz countertops & tile backsplash (2025), offering the ideal backdrop to explore your culinary creativity. Step out onto the new maintenance-free deck, overlooking serene woods & water—a perfect spot to enjoy outdoor meals & take in the abundant wildlife. Retreat to the spacious owner’s suite, complete with a private bath featuring a whirlpool tub & separate shower. Downstairs, the newly finished walk-out lower level (2025) offers a large family room with a built-in theater screen, projector, & surround sound, two additional bedrooms, a dedicated office, & plenty of storage. Outside, the professionally landscaped yard includes retaining walls, colorful gardens, & mature pine, maple, & birch trees. Relax with your morning coffee or catch evening sunsets from two scenic patios or head down to your private dock & fish to your heart’s content. Additional features include dual zone heating & air, new paint throughout, a heated/insulated garage with new insulated garage doors (2023), new washer & dryer (2025), R/O system, & so much more! Whether you're into boating, fishing, or simply enjoying nature, this exceptional home offers it all. So, kick back, soak up the serenity and don’t forget, you’re on lake time!
Last checked:
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Last updated Jun 29, 2025
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MLS# 6744863 —
The Building
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Year Built:2015
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New Construction:false
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Age Of Property:10
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Construction Materials:Brick/Stone, Vinyl Siding
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Construction Materials Desc:Block
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Roof:Age Over 8 Years, Asphalt, Pitched
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Accessibility Features:None
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Levels:One
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Main Level Finished Area:1620.0000
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Basement:Block, Daylight/Lookout Windows, Drain Tiled, Egress Window(s), Finished, Full, Storage Space, Sump Pump, Tile Shower, Walkout
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Basement:true
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Foundation Area:1620
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Manufactured Home:No
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Building Area Total:3240
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Above Grade Finished Area:1620
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Below Grade Finished Area:1510
Interior
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Dining Room Description:Informal Dining Room
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Fireplace:true
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Fireplaces Total:1
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Fireplace Features:Gas, Living Room, Stone
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Amenities:Ceiling Fan(s),Deck,Dock,Hardwood Floors,Kitchen Window,Primary Bedroom Walk-In Closet,Main Floor Primary Bedroom,Natural Woodwork,Patio,In-Ground Sprinkler,Washer/Dryer Hookup,Walk-In Closet
Room Dimensions
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Living Area:3130
Location
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Directions:Hwy 35 To Hwy 8, East to CR 23, East to Chisago Blvd/CR 23, East to Maxwell Rd, East to home on Right.
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Latitude:45.32301
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Longitude:-92.824824
The Property
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Parcel Number:020023717
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Zoning Description:Residential-Single Family
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Property Type:Residential
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Property Subtype:Single Family Residence
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Property Attached:false
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Additional Parcels:false
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Lot Features:Accessible Shoreline, Irregular Lot, Island/Peninsula, Many Trees
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Lot Size Area:3.5
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Lot Size Dimensions:Irregular
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Lot Size SqFt:152503.56
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Lot Size Units:Acres
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View:Lake, Panoramic
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Lake Chain:N
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Lake Acres:130
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Lake Depth:9
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Water Body Name:Spider
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Road Between Waterfront and Home:No
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Road Frontage Type:Paved Streets
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Water Source:Well
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Land Lease:false
Listing Agent
- Contact info:
- Agent phone:
- (651) 335-7272
- Office phone:
- (877) 366-2213
Taxes
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Tax Year:2025
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Tax Annual Amount:6791
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Tax With Assessments:6808.0000
Beds
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Bedrooms Total:4
Baths
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Total Baths:3
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Bath Description:3/4 Basement,Double Sink,Bathroom Ensuite,Full Primary,Private Primary,Main Floor Full Bath,Separate Tub & Shower,Walk-In Shower Stall
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Full Baths:2
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Three Quarter Baths:1
Heating & Cooling
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Heating:Forced Air, Fireplace(s)
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Cooling:Central Air
Utilities
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Sewer:Mound Septic
Appliances
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Appliances:Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned
Schools
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High School District:Chisago Lakes
The Community
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Subdivision Name:Saddle Shores
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Pool Features:None
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Waterfront:true
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Waterfront Features:Lake Front, Lake View
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Association:true
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Association Name:Saddle Shores HOA
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Association Fee:180
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Association Fee Includes:Shared Amenities
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Association Fee Frequency:Annually
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Assessment Pending:Yes
Parking
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Parking Features:Attached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage
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Garage Spaces:3
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Garage Door Height:8
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Garage Door Width:16
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Garage SqFt:910
Monthly cost estimate

Asking price
$689,900
Expense | Monthly cost |
---|---|
Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$3,694
|
Taxes | $565 |
Insurance | $189 |
HOA fees | $15 |
Utilities | $157 See report |
Total | $4,620/mo.* |
*This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Sale history
Date | Event | Source | Price | % Change |
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6/25/25
Jun 25, 2025
|
Coming Soon | NORTHSTAR | $689,900 | |
6/29/18
Jun 29, 2018
|
Sold | NORTHSTAR |