4650 Neal Avenue N

Stillwater, MN
$ 2,350,000 Beds 5 Baths 5 Sq 7,819 Virtual Tour
Monthly Estimate* How much can I afford?

Tucked behind a long, private drive and surrounded by mature trees, this stately Georgian Colonial unfolds across 8.75 acres and 725 feet of McDonald Lake shoreline, offering the rare feeling of a true private estate. Here, mornings begin with tranquil views, summer days spill effortlessly onto an expansive deck, and evenings invite lingering with guests in a setting that feels far removed from the everyday. Yet for all its serenity, the property is remarkably connected to the best of the St. Croix Valley. Inside, the home reveals the scale and craftsmanship expected of an estate of this caliber, with soaring proportions, abundant natural light, and beautiful cherry woodwork creating a warm, timeless character. The gracious foyer opens to multiple gathering spaces, from the elegant dining room with wainscoting and fireplace to the formal living room and generous great room, where a brick-surround fireplace anchors relaxed entertaining. A handsome cherry-paneled den offers a quieter retreat, while French doors throughout invite the outdoors in, and a wet bar creates an effortless backdrop for everything from intimate evenings to larger celebrations. The heart of the home is designed around connection. The spacious kitchen, with its ample cabinetry, bar seating, and walk-in pantry flows naturally into the informal dining area and spacious sunroom—another sun-drenched place to gather or simply take in the wooded surroundings. Upstairs, the private Owner’s suite is conceived as a retreat of its own, with a separate sitting area and exquisite views, outfitted walk-in closet, and indulgent en suite. Additional bedroom suites and thoughtfully arranged baths provide comfort and convenience, while the walkout lower-level transforms into an entirely different experience. A dramatic stone fireplace grounds the family room, while the adjacent billiards room, wet bar, cedar-lined four-season porch, and flexible bonus spaces invite recreation, hobbies, and extended gatherings, plus a fifth bedroom with a walk-through ¾ en suite adds versatility. The grounds offer just as much possibility. The sweeping backyard could readily accommodate a pool, while the maintenance-free deck creates a natural stage for lakeside entertaining. A heated three-car attached garage is joined by an impressive four-car detached garage, complete with a bathroom and loft—an exceptional offering for car enthusiasts or creative pursuits. This home is ready for its next chapter, presenting an extraordinary opportunity to bring a fresh vision to an already remarkable foundation. And when you want to venture beyond your private retreat, Stillwater’s amenities, downtown, and the St. Croix River are less than 10 minutes away, with Hwy 36 and I-94 nearby for an easy commute to St Paul and MSP Airport. A rare convergence of privacy, shoreline, scale and potential, this is a property meant to be experienced—and reimagined.

Single Family

  • Price
  • $ 2,350,000
  • City
  • Stillwater
  • Bedrooms
  • 5
  • Full Bathrooms
  • 4
  • County
  • WASHINGTON
  • Half Bathrooms
  • 2
  • Area
  • Shores of Lake McDonald
  • Lot Size
  • 8.75 Acres
  • Zip
  • 55082
  • Sqr Footage
  • 7,819
  • Year Built
  • 1993
  • Taxes
  • $ 13276
  • Style
  • Single Family
  • MLS#
  • 7116415
Listed By: Lakes Sotheby's International Realty
Data Source: Northstar MLS (NSTAR)

Features

General

Living Area 7819
Sewer Private Sewer
Heating Forced Air,Fireplace(s),Humidifier,Outdoor Boiler,Zoned
Cooling Central Air,Zoned
Roof Age 8 Years or Less,Asphalt
Appliances Air-To-Air Exchanger,Central Vacuum,Cooktop,Dishwasher,Disposal,Double Oven,Dryer,Exhaust Fan,Freezer,Humidifier,Water Filtration System,Microwave,Refrigerator,Stainless Steel Appliances,Wall Oven,Wa
Garage Spaces 7
Year Built 1993
Levels Two
Property Subtype Single Family
Tax Year 2026
Waterfront Features Lake Front
Accessibility None
County Washington
New Construction No
Property Type Residential
HOA No
Contingency None
Subdivision Name Shores of Lake McDonald
Other Structures Garage(s)
Full Baths 3
Directions Manning Ave N/Stillwater Blvd to E on 40th St N,L on McDonald Dr N,R on Neal Ave N to home on left.
City Stillwater
High School District Stillwater
Zoning Description Residential-Single Family
Lot Size Units Acres
Property Attached Y/N No
Land Lease Y/N No
Tax Annual Amount 13276
Additional Parcels Y/N No
Standard Status Active
Lender Owned No
Amenities Unit Ceiling Fan(s),Deck,French Doors,Hardwood Floors,Kitchen Center Island,Kitchen Window,Primary Bedroom Walk-In Closet,Natural Woodwork,Patio,Paneled Doors,Porch,Security System,In-Ground Sprinkler,Sun
PostalCity Stillwater

Interior Features

Basement Daylight/Lookout Windows,Finished,Full,Storage Space,Walkout
Total Fireplaces 4
Fireplace Features Brick,Family Room,Gas,Stone,Wood Burning
Basement (Y/N) Yes
Fireplace Y/N Yes
Above Grade Finished Area 5217
Half Baths 2
3/4 Baths 1
Laundry Features Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup
Total Bedrooms 5
Below Grade Finished Area 2602
Total Baths 6
Bath Desc 3/4 Basement,Double Sink,Bathroom Ensuite,Full Primary,Full Jack & Jill,Private Primary,Main Floor 1/2 Bath,Separate Tub & Shower,Upper Level Full Bath,Jetted Tub,Walk Thru
Dining Room Description Breakfast Bar,Informal Dining Room,Kitchen/Dining Room,Separate/Formal Dining Room
Fuel Natural Gas
Garage Dimensions 36x22
Garage Square Feet 2621

Exterior Features

Fencing Invisible
Parking Features Attached Garage,Detached Garage,Asphalt,Concrete,Electric,Floor Drain,Finished Garage,Garage Door Opener,Heated Garage,Insulated Garage,Multiple Garages,RV Access/Parking,Storage
Lot Features Irregular Lot,Tree Coverage - Medium
Water Source Well
Lot Size Area 8.75
Building Area Total 8180
Lot Dimensions 265x973x724x716
Waterfront Y/N Yes
Foundation Area 2963
Road Frontage Type Paved Streets,Township
Road Responsibility Public Maintained Road

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Faribault, MN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

8/14/2026 Listed $2,350,000

Property vs Zip Code Average in 55082

Price
AVG $490K
$2.35M
Taxes
AVG $5,341
$13,276
Year Built
AVG 1986
1993
Visits
AVG 2
27
Data Provided by Inside Real Estate®

4650 Neal Avenue N Stillwater, MN is a Single Family Home for sale at $2350000 with 7819 sqft and a lot size of 8.75 Acres Acre(s). 4650 Neal Avenue N Stillwater has 5 bedrooms, 4 baths and was built in 1993. The property's zip code is 55082 which is in Stillwater, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.