Ramsey Homes with Association Access Lake/Waterfront

Ramsey Homes with Association Access Lake/Waterfront

Welcome to Ramsey County, Minnesota – a picturesque blend of urban convenience and natural beauty. Nestled in the heart of the Twin Cities metropolitan area, Ramsey County boasts a vibrant community with a rich tapestry of culture, recreation, and history. With its lush parks, scenic lakes, and charming neighborhoods, it’s no wonder that families and individuals alike are drawn to this captivating area.

One of the standout features of Ramsey County is its access to stunning lakefront properties. Homes with association access to lakes and waterfronts offer a unique lifestyle that combines the tranquility of nature with the comforts of suburban living. Imagine waking up to the gentle sounds of rippling water and enjoying leisurely afternoons spent fishing, kayaking, or simply soaking in the sun on your private dock. These properties provide not just a home, but a gateway to an active, outdoor lifestyle.

In addition to the natural beauty, Ramsey County is home to a variety of amenities, including top-rated schools, shopping centers, and dining options that cater to every palate. The community is known for its commitment to preserving green spaces, ensuring that residents have access to parks and recreational opportunities year-round.

Whether you are looking for a serene retreat or a vibrant community, homes with association access to lakes and waterfronts in Ramsey County promise a lifestyle that is both fulfilling and enriching. Explore the possibilities and discover your dream home in this enchanting corner of Minnesota!

Newest Ramsey Homes with Association Access Lake/Waterfront

$948,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7143003 MLS ⋅ 2,824 SqFt.
Discover the elegance of North Oaks' prestigious Spring Farm neighborhood! This exquisite Charles Cudd Twinhome masterfully combines striking architecture with sophisticated interior design, offering a functional layout that exudes timeless charm. Enjoy a carefree lifestyle with an HOA that takes care of exterior maintenance, including lawn care and snow removal. Experience the ease of main-level living, featuring an Owner's Suite with a spa-like bath and walk-in closet. The Gourmet Kitchen boasts a central island breakfast bar and a separate pantry, perfect for culinary enthusiasts! Main floor also includes an Office, a Great Room with a gas fireplace, Sun Room, Guest Bath, Mud Room, and Deck. The lower level extends your living space with a Family Room, a Wet Bar, Storage Room, 2 Bedrooms & a Full Bath. Plus, residents can take advantage of all the exceptional amenities North Oaks has to offer!

89 Spring Farm Road, North Oaks

Listing courtesy of Edina Realty, Inc..

$687,000
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 7119108 MLS ⋅ 3,195 SqFt.
Set on 2.28 private acres in sought-after North Oaks, this inviting home offers a peaceful, wooded setting with generous lawn space, a bonfire area & wonderful connection to the outdoors. Vaulted ceilings, skylights & expansive windows create a bright, open feel throughout the Kitchen, Dining & Living Room spaces, complemented by hardwood floors, built-ins & a striking gas fireplace with new surround. The spacious Kitchen with large center island flows seamlessly into the Dining & Living Room areas, creating an ideal setting for everyday living and entertaining. The main level offers a Primary Suite with walk-in closet, Bath & private Deck with pergola; as well as 2 add’l Bedrooms, Full Bath, Laundry, a Home Office, plus additional flexible living space for a Play Room, Sitting Room or other needs. The walkout lower level expands the living space with a Family Room, 4th Bedroom & 3/4 Bath. Significant recent improvements include: front patio pavers replaced/re-laid plus freshly-painted home, deck & exterior stairs in 2026; a new roof, replaced skylights, added attic insulation, new gas fireplace & surround in 2025; new furnace in 2024; bedroom remodels in 2024 & 2025; and a whole-home reverse osmosis system installed in 2023. Enjoy the privacy & natural beauty of North Oaks with access to trails, beaches and year-round recreation - all within Mounds View Schools!

15 High Circle Way, North Oaks

Listing courtesy of Edina Realty, Inc..

$677,000
ACTIVE Status ⋅ 3 Beds ⋅ 4 Baths ⋅ 7137085 MLS ⋅ 3,596 SqFt.
First time on the market. This two-story walkout is situated with pond views in North Oaks, near Pleasant Lake and North Oaks Country Club, backed by mature trees for real privacy from the street. This home is a blank canvas for the next owners. Main level has vaulted tongue-and-groove cedar ceilings running through the living space, a stone fireplace, a loft overlook from upstairs, and a four season porch off the main living area. Kitchen features granite counters and stainless appliances, open to the dining area. Upstairs you'll find three bedrooms, including a primary with a bonus room attached, a must see in person. The walkout lower level has its own full built-in kitchen, plus a bonus room with a private hot tub, ready to set up as a rec room or whatever fits your plans. Furnace was replaced recently. Move in as is, or use it as a blank canvas for a slight interior refresh to make it your own. Deer Hills added new tennis and pickleball courts last summer. Opportunities to live in North Oaks with access to Pleasant Lake don't come around very often.

20 Deer Hills Drive, North Oaks

Listing courtesy of Real Broker, LLC.

$725,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7126065 MLS ⋅ 2,306 SqFt.
Enjoy tranquil lake views and a peaceful setting in The Enclave at McCarrons Lake, just minutes from grocery stores, cafés and bakeries, with convenient access to Minneapolis and St. Paul. Built approximately four years ago, this thoughtfully designed home features an open, high ceilinged interior filled with natural light from large windows and timeless finishes throughout. Designed with aging in place in mind, the home offers a spacious primary suite with a walk in closet, an open kitchen with a center island and touch activated gooseneck faucet, a versatile finished lower level and ample storage, including an extra freezer nook. The well insulated, energy efficient home features solar panels installed in 2025, double cell insulating shades on the sliding doors installed in 2026, an EV charging station and furnace and air conditioning systems installed when the home was built. A completed energy audit further confirmed the home’s energy efficiency. Additional improvements include a custom acrylic and aluminum egress window cover installed in 2024, safety film on the front door sidelight and egress window, preventive erosion and side yard drainage work completed in 2026, and a brand new roof, new gutters, new siding and five new windows in 2026. Enjoy a shared lakeside outdoor activity area and miles of walking trails accessible right outside the door, including trails along McCarrons Lake and convenient access to Reservoir Woods, McCarrons County Park with a children’s playground and public boat launch, and charming Villa Park with waterfall ponds and wildlife viewing areas. The county boat launch is only a few hundred feet away. The low monthly association fee of $220 includes lawn care and snow removal.

257 Mccarrons Place W, Roseville

Listing courtesy of Keller Williams Premier Realty.

$909,800
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7131722 MLS ⋅ 2,824 SqFt.
This newly built Charles Cudd Co. home offers a refined, low-maintenance lifestyle with an emphasis on thoughtful design, quality craftsmanship, and everyday ease. The open-concept main level is both spacious and functional, allowing for comfortable one-level living while still offering the flexibility to accommodate guests, with the lower level providing additional space when needed. Signature architectural details, including arched openings, add character and distinction throughout. The kitchen is well-appointed with quartz surfaces, abundant cabinetry, a walk-in pantry, and a buffet—enhancing both storage and entertaining. A dedicated main-level office provides an ideal space for organization or work-from-home needs. The owner’s suite serves as a private retreat with a spa-inspired bath featuring a walk-in shower with bench, along with a custom closet that connects directly to the laundry. A sunroom and adjoining deck provide a peaceful extension of the home, offering privacy and a comfortable place to unwind. The lower level expands the home with a spacious family room and flexible areas ideal for guests, hobbies, or a home office. Enjoy true lock-and-leave living with association-maintained lawn care, snow removal, and exterior roof and siding. Set within the North Oaks community with access to trails, parks, and natural surroundings. Additional homesites available.

87 Spring Farm Road, North Oaks

Listing courtesy of Edina Realty, Inc..

$1,099,900
ACTIVE Status ⋅ 5 Beds ⋅ 5 Baths ⋅ 7130034 MLS ⋅ 3,985 SqFt.
Discover timeless elegance in the highly sought-after Rapp Farm neighborhood of North Oaks, where this exceptional Hanson Builders former model home occupies a premier lot on a quiet cul-de-sac in the acclaimed Mounds View School District. A beautiful covered front porch and striking curb appeal greet you inside a residence that masterfully blends quality craftsmanship with modern design. Fresh paint, updated lighting, luxurious finishes, and abundant windows bathe the home in natural light. The main level showcases gleaming hardwood floors, formal dining, and a chef’s dream kitchen centered on a massive knotty alder island with granite countertops, walk-in pantry, white cabinetry, and high-end appliances including a 36-inch cooktop and custom range hood. The expansive living room features a stone fireplace with built-ins, plus a private office and mudroom with bench seating. Upstairs, the sprawling primary suite offers dual vanities, soaking tub, private commode, walk-in double shower, and generous closet space, joined by three additional bedrooms, one with its own three-quarter en suite bath and the other two sharing a convenient Jack-and-Jill full bath, plus upper-level laundry with a new washer and dryer. Gaze out the rear windows to feel immersed in the treetops, a serene backdrop enhanced by the south-facing backyard and its private, low-maintenance deck just off the main level, ideal for morning coffee or evening gatherings. The walk-out lower level features oversized patio doors opening to a private concrete terrace and includes a versatile family room with a second stone fireplace, fitness area, wet bar, fifth bedroom, and ample storage. Additional highlights include James Hardie cladding, a finished and insulated three-car garage, concrete driveway, and basketball hoop. Residents enjoy HOA access to trails (groomed for cross-country skiing in winter), parks, clubhouse, pool, Pleasant Lake with beach, tennis, pickleball, and more in this vibrant community known for its active social scene and popular neighborhood events. This move-in ready gem delivers the space, style, and quality today’s buyers value most as an exceptional alternative to new construction.

10 Crescent Lane, North Oaks

Listing courtesy of Generations Real Estate Group.

$597,000
ACTIVE Status ⋅ 6 Beds ⋅ 4 Baths ⋅ 7115992 MLS ⋅ 3,107 SqFt.
Rare Shoreview Duplex Opportunity with Neighborhood Lake Owasso Access! (No HOA) Nestled in a convenient Shoreview neighborhood within minutes of scenic parks, trails, and local lakes, this beautifully updated side-by-side duplex offers the perfect blend of modern comfort and top-tier location. Whether you are looking for an ideal owner-occupant setup or a high-demand, turn-key addition to your investment portfolio, this property delivers on every front. Unit 408 Features Brand-New Upgrades: Freshly updated with brand-new appliances, paint and durable, high-end Luxury Vinyl Tile (LVT) flooring. Unit 410 Features Modern Finishes: Features nearly new appliances and stylish, low-maintenance flooring throughout. Both Units Provide Outdoor & Indoor Living: Enjoy seamless indoor-outdoor living with a private deck and walkout patio in summer and cozy evenings by the fireplace in winter. Parking: Attached 2-car garage on each unit. Location & Highlights Neighborhood Lake Association: Minutes away, enjoy private access to the lake—ideal for kayaking, paddleboarding and swimming. Outdoor Recreation: Enjoy Shoreview's top-rated park system, walking/biking trails, and recreation centers. Prime Location Convenience: Excellent location with easy access to highways, shopping, and dining. All of this and a new roof! A rare find offering strong rental income potential, modern updates, and an unbeatable location. Schedule your showing today!

408-410 Cardigan Road, Shoreview

Listing courtesy of LPT Realty, LLC.

$400,000
ACTIVE Status ⋅ 3 Beds ⋅ 4 Baths ⋅ 7118013 MLS ⋅ 2,250 SqFt.
Welcome to this beautifully refreshed townhome in the highly sought-after Mounds View School District! Nestled along the shores of Long Lake, this rare opportunity offers the perfect blend of comfort, convenience, and lakeside living. Step inside to find fresh paint, new carpet, and spacious living areas that provide endless possibilities on every level. Whether you're looking for room to entertain, work from home, or simply relax, this home offers the flexibility to fit your lifestyle. Outside, enjoy one of the community's most desirable amenities—your own dock and boat slip, making this a true boater's dream. Spend your summers cruising Long Lake or relaxing by the community's in-ground pool, all just steps from your front door. Conveniently located with easy access to both downtown Minneapolis and St. Paul, this home is also close to parks, trails, shopping, dining, and major highways, making daily commuting and weekend adventures effortless. Townhomes in this lakefront community rarely become available, making this an exceptional opportunity you won't want to miss!

1157 Rose Lane, New Brighton

Listing courtesy of Castle Gate Realty, Inc..

$869,800
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7111144 MLS ⋅ 2,096 SqFt.
This Charles Cudd Co. home offers a refined, low-maintenance lifestyle with an emphasis on thoughtful design, quality craftsmanship, and everyday ease. The open-concept main level is spacious and functional, offering comfortable one-level living, with the added flexibility of a private guest suite above the garage complete with a full bath. Signature architectural details, including arched openings, add character and distinction throughout. The kitchen is well-appointed with quartz surfaces, abundant cabinetry, and a built-in buffet with beverage refrigerator—enhancing both storage and entertaining. A main-level office, which can also serve as a second bedroom, offers a flexible and convenient space for today’s work-from-home needs. The owner’s suite serves as a private retreat with a spa-inspired bath featuring a walk-in shower with bench, along with a custom closet. A sunroom and adjoining patio provide a peaceful extension of the home, offering privacy and a comfortable place to unwind. Enjoy true lock-and-leave living with association-maintained lawn care, snow removal, and exterior roof and siding. Set within the North Oaks community with access to trails, parks, and natural surroundings. Additional homesites available.

48 Spring Farm Road, North Oaks

Listing courtesy of Edina Realty, Inc..

$3,850,000
ACTIVE Status ⋅ 5 Beds ⋅ 7 Baths ⋅ 7106279 MLS ⋅ 7,099 SqFt.
Designed for the Way You Live. For those who value privacy as much as proximity, this extraordinary North Oaks home offers the rare opportunity to own a true retreat without sacrificing convenience. Set on more than two acres, you'll enjoy the serenity of an exclusive wooded setting while remaining just 20 minutes from either downtown and 30 minutes to MSP International Airport and Viking Campus, with shopping, dining, and everyday essentials only minutes away. Every detail of this custom residence reflects exceptional craftsmanship, timeless architecture, and uncompromising quality. Spacious yet inviting, the home is equally suited for quiet evenings with family or sophisticated entertaining. Multiple gathering spaces flow effortlessly into a spectacular backyard oasis that features a resort-style pool, outdoor fireplace, hot tub, and an open-air entertainment bar—creating an unforgettable setting for summer evenings, client gatherings, family celebrations, or simply unwinding after a demanding day. Beyond the outdoor living space, beautifully manicured grounds transition into miles of private natural walking trails accessible directly from your backyard, offering a daily escape without ever leaving home. The private nanny or au pair suite above the oversized garage provides exceptional flexibility for live-in assistance, extended family, long-term guests, or even a private executive office. This is more than a luxury home – it's a place where life becomes simpler, entertaining becomes effortless, and every day feels like a weekend retreat. An exceptional North Oaks property for those who expect the very best—in craftsmanship, lifestyle, and location.

6 Bent Tree Lane, North Oaks

Listing courtesy of Coldwell Banker Realty.

$1,470,000
ACTIVE Status ⋅ 4 Beds ⋅ 5 Baths ⋅ 7067667 MLS ⋅ 6,063 SqFt.
Tucked away at the end of a quiet street on a spectacular 3.61-acre setting overlooking a beautiful pond and surrounding nature, this meticulously maintained custom-built rambler by Michels Homes showcases timeless design, brick and cedar exterior details, and exceptional solid woodwork throughout. Designed for comfortable main-level living, the spacious floorplan features a Library with built-in bookshelves & cabinetry, a Formal Dining Room with built-in buffet, and a large Mud Room/Laundry area. The vaulted Great Room features a gas fireplace flanked by custom built-in bookshelves & a dramatic arched picture window showcasing panoramic views of the pond. The vaulted Family Room offers a 2-sided gas fireplace shared with the Kitchen and opens to the Screen Porch & one of two expansive Decks. The Kitchen includes a walk-in pantry & Dinette with access to the 2nd Deck. The Owner’s Suite features a sitting area overlooking the pond, a reading alcove with built-in bookshelves, a large walk-in closet with built-in dresser, and a private spa-like Bath with double vanities, separate tub & oversized shower. The mostly finished walkout lower level offers three additional Bedrooms—one with an en suite Bath—a spacious Family Room with gas fireplace, Wet Bar, Flex/Craft Room, and two substantial unfinished areas ideal for storage, hobbies, or a workshop. Convenient stairs connect the lower-level storage area directly to the heated Garage. A rare opportunity to own an exceptionally maintained custom home where timeless craftsmanship, estate-like grounds, and breathtaking pond views create a truly special retreat.

7 Mallard Lane, North Oaks

Listing courtesy of Edina Realty, Inc..

$859,900
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7092309 MLS ⋅ 2,700 SqFt.
Welcome to the newest Signature Homesites from Santanni Custom Homes - offering 3 private custom homesites in the desirable White Bear Beach community. This To-Be-Built custom home features convenient main-level living with cathedral-vaulted ceilings, 4 bedrooms, 5 baths, 3 car garage, a gourmet kitchen with quartz countertops and walk-in pantry, spacious mudroom, and luxurious owner's suite with freestanding tub, tiled shower, double vanity, and large walk-in closet. Situated on private 0.77-acre homesite on Northwest Ave, just minutes from White Bear Lake, Bald Eagle Lake, and downtown White Bear Lake, this location offers easy access to restaurants, concert, shopping, art center, live music, water-shows, and more. Private White Bear Beach Community Club membership includes private beach access, picnic areas, sports, and community events. Family-owned for 40 years, Santanni Custom Homes lets you customize one of their plans or bring your own dream home vision to life.

5255 Lot 3 Northwest Avenue, White Bear Lake

Listing courtesy of Edina Realty, Inc..

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