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697 8th STREET
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White Bear IR 70 · Single Family · under $200,000 · 2+ bed · 1+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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Year-Round Property on White Bear Lake – 697 8th Street - Discover the perfect year-round getaway or full-time residence at 697 8th Street on beautiful White Bear Lake. This well-maintained, fully furnished property is move-in ready and loaded with comfort features, including a natural gas furnace, cozy wood stove, insulated floors and walls, and a convenient wall A/C unit for warm summer days. Enjoy exceptional privacy with a tree-sheltered front yard and a spacious wrap-around deck that’s ideal for morning coffee, evening barbecues, or simply relaxing outdoors. The backyard offers even more room to gather, complete with an enclosed screen room, patio, and fire pit area—your own peaceful spot to unwind after a day on the lake. Inside, the cabin features a large, welcoming living room anchored by a cozy wood stove. There are three comfortable bedrooms, a kitchen and dining area, a 3-piece bathroom, and a handy storage space. Recent updates include newer flooring, a durable metal roof, and vinyl siding. The property also features a 1,000-gallon septic tank and a 1,000-gallon cistern. Located in the heart of White Bear Lake, you’ll enjoy all the benefits of lake life—boating, fishing, swimming, and spectacular sunsets just moments away. The community also boasts a beautiful golf course, making this the perfect retreat for outdoor enthusiasts. Whether you're looking for a peaceful escape, a family cabin, or a year-round use in the winter, this charming property has everything you need. (id:65958)
Main level
| Room | Dimensions | Features |
|---|---|---|
| Bedroom | 7'11 x 8' | |
| Bedroom | 7'11 x 7'11 | |
| Bedroom | 8' x 8' | |
| Living room | 19'6 x 11'1 | |
| 3pc Bathroom | 6'6 x 5'10 | |
| Storage | 6'8 x 2'8 | |
| Kitchen/Dining room | 11'6 x 11'1 |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Pick a down payment and tap any underlined number to edit. Total updates live. Confirm with a mortgage broker before writing an offer.
Monthly carrying costs (shared)
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Accelerated bi-weekly frequency reduces total interest paid vs. monthly — confirm with a broker. Suite rental income depends on permits, market rent, and vacancy. Always validate with a mortgage broker before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 6, 2026.
Location of this listing. Distances are straight-line.
Full neighbourhood intelligence (schools, halal, mosques, transit) is still building for this address.