About This Home

This 5-bedroom, 4-bathroom single family at 120 Spruce Street in Mahtomedi, MN is listed for $1,795,000 ($363 per sqft). Built in 2026, the home offers 4,946 sqft of living space on a 0.28 acres lot.

Key Features

  • Built in 2026
  • 0.28 acre lot
  • Fireplace

Property Details

2 full, 1 half
2-car garage
2026

Amenities

FireplaceA/C
Listing Description

Welcome to Twin Peaks, a new creation from Zen Design Build in the highly ranked Mahtomedi School District, with DEEDED DOCK ACCESS to White Bear Lake just steps from your door. Built on a large 90-foot-wide lot with a back alley, this modern custom home has nearly 5,000 finished square feet and a design that stands out among the typical new builds of today.

Numerous windows and enormous glass doors flood the home with light. The masterfully planned layout brings together luxury design, modern amenities, and functional excellence. The home is still under construction, so a buyer can personalize options, materials, and finishes if they act now.

The main level sets the stage: hardwood floors, 9-foot ceilings, exposed steel beams, and an open great room that flows through 16-foot and 12-foot sliding doors to a massive deck overlooking the substantial yard. Entertain indoors and out with ease. The great room works as a cohesive whole.

The chef's kitchen is built for gathering, with a huge island, a 48-inch refrigerator, and a butler's pantry for bonus counter and storage space. The dining area has space for a 10-12 foot table beside built-in buffet cabinets, and the family room has ample space to stretch out.

A separate formal living room offers a fireplace, a bar, and a 12-foot double-sliding door to a small front deck. A sizable office with a closet, a luxurious powder room, and a generous mudroom connected to an oversized attached two-car garage with in-floor heat round out the main floor.

Climb the open timber-frame stairs in the double-height entry to the second floor, where vaulted ceilings make every room feel extraordinary. The 660 sq ft primary suite is a private retreat with treetop views, a huge walk-in closet, and a spa-like bath with a wet room and a separate water closet.

Three more generous bedrooms, a full bath, and a laundry room complete the upper level. The timber-frame stairs continue to the fully finished lower level, which has in-floor heat on its own thermostat. Here you'll find another large living space, a fifth bedroom with a three-quarter bath, and a bonus space for a home theater, gym, or wine room.

Large windows and window wells in the family room and bedroom bring daylight into this level. An additional detached two-car garage is approved and available as an option at an additional cost. This home's value goes well beyond its appearance and finishes.

Upgraded design and construction features are a hidden aspect of true luxury in a high-end home. The structural and system upgrades at 120 Spruce Street include: Kolbe Ultra windows and exterior doors with aluminum cladding and real wood interiors. Three layers of foundation waterproofing, plus interior and exterior drain tile.

Floor trusses with L600 stiffness (vs. the industry standard of L240 or L360) and 1-1/8-inch AdvanTech subfloors with a squeak-free guarantee to ensure a quiet home with a sturdy feel. Three climate zones, a tankless hot-water heater, basement in-floor heat, and high-efficiency forced-air heating and A/C maximize comfort throughout the home and optimize your energy consumption.

A standing-seam steel roof that provides superior durability and a lifespan well beyond that of asphalt shingles. Recessed LED lighting throughout the house, with smart dimmers in key areas. Superior insulation design throughout the home ensures that the structure will be comfortable and extra energy-efficient year-round: Huber Zip-R9 continuous ex

terior insulation and interior spray foam elevates the R-value of the walls to R-37+ (code R-20), foundation walls insulated with interior and exterior foam board to an R-value of R-31 (code R-15), basement slab insulated with two layers of 2-inch foam to an R-value of R-20 (code R-10). Spray foam insulation throughout the house and garage to ensure an airtight, highly insulated structure. DON'T MISS THIS RARE OPPORTUNITY to define your custom home with deeded access to White Bear Lake.

Monthly Cost Estimate

$9,800/mo

20% down · 6.5% · 30 years

Principal$1,298
Interest$7,778
Insurance$524
HOA$200

Estimates only. Actual payments may vary.

Location

120 Spruce Street

Mahtomedi, MN 55115

Mahtomedi Heights

Features & Amenities

Interior Features

2nd Floor Laundry4 BR on One LevelPrimary Bdr Suite

Property Details

Construction

Concrete Frame

Parking

Garage - AttachedGarageDriveway

Heating

Humidity Control (Heating)Forced Air

Cooling

Central AirZoned

Appliances

Air-To-Air ExchangerDishwasherDisposalExhaust Fan/HoodFurnace HumidifierWater Heater - GasMicrowaveRangeRefrigeratorWater Heater - Tankless

Questions & Answers

This 5-bedroom, 4-bathroom single family at 120 Spruce Street is listed at $1,795,000 ($363/sqft). The estimated monthly payment is $9,800 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $200/month.

Key features include: Built in 2026, 0.28 acre lot, Fireplace. Interior Features: 2nd Floor Laundry, 4 BR on One Level, Primary Bdr Suite.

This property is listed by James Sanchez, Gri.

JG

James Sanchez, Gri

Agent at White Bear Lake Realty

Listed by White Bear Lake Realty · Broker phone: (651) 653-7326 · View on Broker Site · Broker website

MLS# 7157270· Source: Northstar MLS· 24 days on PropertySimple

Copyright © 2026 Northstar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

120 Spruce Street, Mahtomedi, MN 55115

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