heart of the lakes property portfolio | fall 2012

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OAK REALTY Since 1974 Heart of the Lakes property portfolio | fall 2012

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Real estate opportunities in the scenic Heart of the Lakes area of Annandale, Minnesota. Offered by Oak Realty, the area's oldest brokerage. Next edition: Winter 2013

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Page 1: Heart of the Lakes Property Portfolio | Fall 2012

OAKREALTY

Since 1974

Heart of the Lakesp r o p e r t y p o r t f o l i o | f a l l 2 0 1 2

Page 2: Heart of the Lakes Property Portfolio | Fall 2012

understanding administrative fees

Table of Contentslakeshore 4

residential 27

lots & land 35

commercial 40

lake maps 46

General Contactannandale office

320.274.5737

maple lake office320.963.2088

by [email protected]

onlinewww.oakrealtymn.comblog.oakrealtymn.com

www.facebook.com/oakrealtymn

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Find us on Facebook! Visit our YouTube Channel

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[ watch a property trailer

Better known as “admin fees.” Real Estate brokers faced with higher costs of doing business have looked for ways to supplement their income. Most have begun charging admin fees in addition to commission. They usually range from $295-495. These fees can be charged to buyers and sellers. Think about that….. it can become a great income generator over the course of a year.

The administrative fee is just that, a fee to help pay for the office staff and the tools and systems that make a real estate transaction run smooth. As an owner/broker, I made a decision years ago that my company would not charge an administrative fee to buyers or sellers, and still give them great service, a quality marketing plan and all the tools and systems that make buying or selling a fun, exciting, and successful experience. I have always felt good about that decision.

If you feel it’s time to jump into this “Buyer’s Market” and take advantage of the low home pricing and interest rates, you can count on our team to provide a positive experience with no additional or surprise expenses at the closing table. Educating as well as assisting our clients in their search or sale, is an important part of our job that we take a lot of pride in! Enjoy the fall season!

Watch for these icons!

- Steve (Brugge) Bruggeman, Owner

Page 3: Heart of the Lakes Property Portfolio | Fall 2012

s t e v e b r u g g e m a n Broker, Realtor®, gri, [email protected](320) 274-6363

d e a n h o g lu n d Associate [email protected](320) 980-2445

g a ry d a g n e r Realtor®, [email protected](320) 309-1739

h o l l i e d a g n e r Realtor®[email protected](320) 309-1739

c a r l a s u n d b l a d Realtor®, gri, [email protected](320) 493-1361

j e n n a p o t t e r Realtor®[email protected](612) 801-4967

t o m g ay Realtor®[email protected](320) 492-1641

m i k e m c n e l l i s Realtor®, gri, lmc, a-reo™[email protected](320) 266-0198

t i f f i n i k i e b e l Realtor®[email protected](763) 464-2048

a n g i e w i s n e r Office/[email protected](320) 274-5737

a m y m i l l e r [email protected](320) 274-5737

a m y m c n e l l i s Realtor®[email protected](612) 963-4190

Your guides to the heart of the lakes

j u s t i n w i s n e r Realtor®, [email protected](612) 226-6649

Page 4: Heart of the Lakes Property Portfolio | Fall 2012

luxury on area waters

Cokato Lake$599,900 | #4190875Stunning custom home with impressive con-struction details throughout! Fabulous “cook’s” kitchen, maple floors, vaulted great room with beautiful lake views. Gorgeous ceilings must been seen to believe! Master suite with private balcony and bath. Expansive lawn and 150’ of shoreline! Read more on Page 23.

Cedar Lake$589,500 | #4169616Gorgeous lake home with 100’ of shoreline and beautiful views from throughout the home and a fabulous wrap-around deck! Built in 2004, and finished with quality materi-als throughout, this home is sure to impress. 3,240 finished sq. ft. and full of wonderful features! Read more on Page 6.

Lake Sylvia $1,550,000 | #4107983Wooded 5-acre lot with a thoughtfully fin-ished home. Lovely master suite with custom-ized closet, private bath and sliding door to the lakeside deck. Expansive rec room on upper level and fantastic storage space in lakeside tuck under garage. Walls of glass offer stunning lake views. Read more on Page 19.

lakeshore

Page 5: Heart of the Lakes Property Portfolio | Fall 2012

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Sugar LakeThis beautiful home is set on almost an acre of privacy that offers over 145’ of sandy lakeshore and amazing lakeside views. With three bedrooms and three bathrooms there is plenty of room for your whole family and guests that may stop by for the weekend. The gorgeous vaulted living room offers a gas fireplace and spectacular view of the lake. Spread out in a spacious kitchen with stainless steel appliances, center island and large pantry. Enjoy a master suite with trey ceilings, two walk-in closets, dressing room, full bathroom with heated tile floors, whirlpool tub, his/her sinks and even walks out to a gorgeous 28x14 covered lakeside deck! Upgraded lighting throughout, even leading to a well lit dock, perfect for those who love to do a little night fishing. Keep the mature landscaped yard lush and green with your in-ground sprinkler system.

$999,000 | #4160661 p[

Page 6: Heart of the Lakes Property Portfolio | Fall 2012

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Entertaining made easy! Enjoy a spacious kitchen and dining room with stainless steel appliances, hickory cabinets, and granite counter tops. A mud/laundry room with tile floors and built-in lockers is great for com-ing off the lake. Cedar ceilings, wood plank flooring and tons of windows facing the lake. Spacious lower level walkout includes a family room, ¾ bath and dry bar. The master bedroom has vaulted ceilings and amazing lake views. Wrap-around deck, boulder landscaping, fire pit, and granite steps with a stamped concrete sidewalk leading to the sandy shoreline.

Cedar Lake$589,500| #4169616 p[

Page 7: Heart of the Lakes Property Portfolio | Fall 2012

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Stunning lake home with 100 feet of sandy shoreline on Pleasant Lake. Not a single feature was overlooked on the construction and landscaping of this immaculate home sitting on nearly one acre. Natural stone and woodwork throughout showcases a cozy and comfortable “Up North” feel without the drive. Abundant storage in the 30x40 pole building and triple attached garage. With an expansive front deck, balcony, and screened porch there is plenty of space for friends and family to view beautiful sunsets, soak up the warm sun, and enjoy the outdoors.

Pleasant Lake$489,900 | #4088415

Rolling, heavily wooded lot in the established Northridge Addition. This scenic lot slopes to beautiful, hard bottom shoreline in Flannery’s Bay. Suitable for a walkout style home, this property is ready to build on. Enjoy sunrise views, privacy and this wonderful, mature neighborhood. Northridge residents share a private boat landing at the end of Pleason Avenue. This quiet, paved road weaves around 2 large outlots that owners can enjoy, and through the woods of this beautiful area at the North end of the lake. Soil tests already done and are available.

Lake Sylvia$279,000 | #4132396

Page 8: Heart of the Lakes Property Portfolio | Fall 2012

Clearwater Lake $399,900 | #4050798Gorgeous lot with towering trees and 135’ of level, sand shore near the “Narrows.” Prime lot with sunrise views, .59 acres, enjoy now build later.

Granite Lake $159,000 | #4118866Super views year-round from this great North shore location. 2.2 acres, with 165’ of shore. Plenty of room for home and outbuildings.

Lake John $263,900 | #4168413A cabin for all seasons on the North shore. Great fishing and boating! Brazilian hardwood floors in the living room. Nice steps to the lake!

Lake Minnie Belle $325,000 Price Reduced! | #4138320Secluded 2.4-acre lot with 600+ feet of level, hard bottom shoreline. Private lagoon for use. Fantastic lake, a great spot to build your home!

Waverly Lake $245,000 | #4177622Outstanding lake home on the North side of Waverly Lake. Nice three season porch, sunset views. Kitchen has top of the line appliances.

Maple Lake $349,900 | #4031298Lovely home on Maple Lake with a large kitchen, gorgeous views of the lake, and a spacious lakeside deck. 1,280 finished sq. ft., 2 garages.

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pick a pumpkin, carve to win!Join the fun at our office this Halloween by grabbing a pumpkin off the old truck in front of our office in mid-October. Return it carved by Monday, October 29th, for a chance to win! All ages can participate. Pumpkins will be on display and voted for by trick-or-treaters during the Chamber Community Trick-or-Treat event on Wednesday, October 31st from 3-5 p.m.

Page 9: Heart of the Lakes Property Portfolio | Fall 2012

Beautiful 18x24 lake prints for your home or cabin.Printed on an elegant, matte finish cardstock.

Pick-up your free print at our Annandale Office the next time you’re in town.

lake sylvia shown, more lakes are available

www.oak rea l t ymn . com 9

Page 10: Heart of the Lakes Property Portfolio | Fall 2012

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Quaint, vacation getaway less than an hour drive from the cities. Beautiful lake views & mature trees provide that desired north woods feel. Spacious screened in porch keeps the bugs away as you enjoy breeze, enjoy a lakeside campfire or the view from the deck. Great yard and back lot offering extra room to park a camper or set up a tent for those bigger gatherings. The cabin has two bedrooms and potential to finish the basement for more room. Cute vintage kitchen appliances add to the charm of this delightful cottage.

Lake John$164,500 | #4178872

What a wonderful place to call “home.” All necessary living needs on main level including laundry! Amazing lake views and pristine yard greet you as you arrive. Try your luck at fishing from one of two docks located on 125 feet of sandy lakeshore. If you are looking for a place to store the big toys, here it is! Drive down the side of the house on the asphalt drive-way to the back of the house and there is another 3 car garage with access to the lower level, that makes a 6 garage stalls. Gorgeous landscaping including a boulder rock wall and an assortment of plants and flowers.

Lake Louisa$369,900 | #4185194 p

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Clearwater Lake $180,000 | #4043052Charming one-level, seasonal cabin on the water’s edge. Cabin comes fully furnished and ready to enjoy. Interior has a lovely knotty-pine throughout and includes a spacious living room, bedroom, bathroom and kitchen. Screened in porch has spectacular views and is perfect for those breezy summer nights. Enjoy a storage shed for all your lake toys and tools. You will love 90’ of shoreline on Clearwater Lake, with great waters for boating, fishing or just relaxing in the warm sun!

Lake Sylvia $349,900 | #4169802Stunning lot with 224 feet of hard bottom lakeshore on West Lake Sylvia. Enjoy 1.8 wooded acres perfect for your dream home. One less thing to check off the list with asphalt driveway already in. Lake Sylvia spreads across 1,524 acres with water clarity of 17 feet. The lake is made up of two lakes connected by a wide channel with a public ac-cess on the West side. Sale of the property includes an existing tennis court. Start enjoying the property right away!

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Remarkable four bedroom home set on 160’ of natural shoreline. Fall in love with an updated kitchen, complete with granite countertops, heated tile flooring, custom cabinets, stainless steel appliances and two sinks. En-joy a master suite with French doors, wood flooring, master bath, and lake-side deck. Other details include a vaulted living room with wood burning fireplace, upper level office with views, family room with gas burning fire-place that walks out to a lakeside patio. There is a spacious yard to enjoy with plenty of room for yard games and a bonfire with views!

Clearwater Lake$695,000 | #4131804 p[

12 www.oak rea l t ymn . com

Page 13: Heart of the Lakes Property Portfolio | Fall 2012

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Lake SylviaThis spectacular lakeside home has everything you are looking for as your summer getaway or year-round home. Tucked in the trees, this chalet style retreat overlooks 128’ of shoreline. Enter into a kitchen with custom Alder cabinets. You will love the upgraded lighting and natural woodwork throughout. The spacious living room has a gas fireplace with stacked stoned accents and walks out to a large wrap-around deck with stunning lake views. There is tile flooring throughout, a master suite with a door to the deck, walk-in closet and full bathroom, formal dining room, large pantry, laundry room, open staircase with half log accents, and lower level with bathroom, office and two additional bedrooms and walkout patio. Enjoy room for guests with a 10x10 guest house. Take in the scene in a 26x24 gazebo with hot tub. This is definitely a lake home you will love!

$599,900 | #4159617 p[

Page 14: Heart of the Lakes Property Portfolio | Fall 2012

Upcoming Local Events

downtown art crawl Thursday, October 4

fall pancake breakfast at pioneer park Sunday, October 14

halloween spectacular at pioneer park Saturday, October 27, 5-8 pm

chamber community trick-or-treat Wednesday, October 31, 3-5 pm

act holiday home tour Saturday, November 17

pioneer christmas at pioneer park Saturday, December 1

canadian pacific’s holiday train & show Watch for Date/Time!

lion’s club breakfast with santa Sunday, December 16

Page 15: Heart of the Lakes Property Portfolio | Fall 2012

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Clear Lake, Watkins $89,900 | #4121585Great investment opportunity for lakeshore! Affordable lakeshore lot with 60’ of shoreline. Beautiful, matured treed walkout site. Spectacu-lar views of the lake. Property is located on the East side of Clear Lake, so get up early and enjoy spectacular sunrises while you sip your morning coffee! Watch the waterfowl and wildlife from this scenic lot. Clear Lake is 529 acres and has 2 public accesses. Buy today and build later!

Lake Sylvia$319,900 | #4110664Scenic lot in the quiet Northridge Addition on beautiful Lake Sylvia. A 1.2-acre, wooded parcel with spectacular hillside views of the lake. Build your dream home in the trees overlooking 232’ of shoreline in Madsen’s Bay. Serene, dead-end drive makes this an ideal location for total relaxation and an escape from everyday life! Northridge residents enjoy a shared outlot, a nice paved drive, and a private boat launch at the end of the road.

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Lake John $206,000 | #4156253Enjoy fabulous Lake John with 400 acres to boat, fish and swim. In-cludes back lot for future garage. Lots of outdoor entertaining spaces!

Maple Lake $349,900 | #4031298Great livable year round home on a fantastic 150’ lot. Remodel or build new later. Three bedrooms, gorgeous views, two detached garages.

Lake Marie $255,000 | #4156891Year-round home with seasonal lakeside cottage for guests. Large lakeside deck for entertaining. Great views and great location!

Grass Lake $139,900 | #4143289Lovely 3-season, 3-bedroom cabin with resort amenities incl. a nice beach, outdoor pool, and dock! Access to 3,000+-acre Clearwater Lake!

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Sugar Lake $144,500 | #4089303Buildable lot with 102’ of lakeshore. Over half acre lot on a tar road. Two sheds and a 1990 trailer currently on the lot, holding tank & well.

Mink Lake $119,900 | #4187781Charming seasonal cabin with 80’ of sand shoreline. 8x8 storage shed, new roof and siding, patio, and great views from a wall of windows.

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beautiful 18x24 wall printsHigh quality satellite images of our area lakes, printed on elegant, matte finish stock. Free and available at our Annandale Office. Stop in anytime to pick one up and grab extras for friends! Lakes Available: Sylvia, Sugar/Indian, John, Pleasant, Cedar and Clearwater/Augusta/Otter/Grass/Bass.

Page 17: Heart of the Lakes Property Portfolio | Fall 2012

Lake Pokegama, Grand Rapids, Minn.Escape to Minnesota’s renown “North Woods.” This majestic 13.5-acre retreat, with 921’ of beautiful shoreline on Lake Pokegama, has only changed hands once since 1895. Spread throughout its secluded woods are 4 simple cabins, each with two bedrooms and their own bath, a half-log sided home built in 1938, a pole building built in 2009, and new a-frame style cabin tucked in the pines that was completed in 2011. Its beauty and privacy does not come at the expense of conveniences. Grand Rapids (Pop. 10,869) offers countless amenities and services, just a few miles away. A regional airport, shops, and new medical facilities are all close by, not to mention a championship 18-hole course is across the road. Enjoy this remarkable setting with as few or many as you’d like for decades to come. A comfortable and easy drive on Highway 169 from Minneapolis directly to Grand Rapids takes approximately 3 hours. Itasca Regional Airport, just a few miles from the property, can accommodate any air travel.

$3,500,000 | #4188212

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You will find this charming A-frame style, 3-season cabin, tucked in the trees on Turtle Bay of West Lake Sylvia. Relax comfortably with a lofted bedroom, main floor bedroom, kitchen, full bathroom and a lakeside living room with views of the lake. Walk on out to a new wrap around lakeside deck, the perfect spot to enjoy your favorite beverage! Have extra storage room with an 8x12 storage shed just off the lake. Fall in love with 75 feet of Lake Sylvia shoreline! This could be a perfect family hideaway for years to come.

Lake Sylvia$219,900 | #4175775 p

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Lake SylviaCome home to this beautiful West Lake Sylvia lake home, and surround yourself with 5+ acres of mature woods and privacy. Perched above the lake with spectacular views, this thoughtfully finished year-round home or vacation retreat was built in 2007 with quality and comfort in mind. It is the details that make this home shine. Douglas Fir wood floors with a fascinating history, custom Knotty Alder cabinets that close silently, in-floor heat in every bathroom and wonderful top of the line appliances. Retreat to a master suite that has its own sliding doors to the lakeside deck, a customized walk-in closet, and spacious master bath with whirlpool tub. Use the expansive upper level recreation room for family fun and entertaining. A setting perfect for the couple or family seeking a spectacular home in the trees, this property is ready to be enjoyed.

$1,550,000 | #4107983 p[

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Clearwater Lake $179,900 | #4167218Charming one-level, seasonal cabin on the water’s edge of beautiful Clearwater Lake. This cabin has been completely renovated and is ready to be enjoyed this summer! Extremely clean and well kept with two bedrooms and bathroom. Spacious great room area is perfect to spread out during those rainy days. Full kitchen has all the updates with tons of cupboard space. You will love the level lot with huge lakeside deck all summer long!

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Days Lake $139,900 | #4067612Gorgeous private retreat or development. This 18-acre parcel is cur-rently split into 5 lots, and the plat is already filed. Purchase it, put in a road and the opportunities are endless. Or, make it all your own and enjoy 1,100 feet of lakeshore on the South side of Days Lake which is 26 acres with a maximum depth of 24 feet. With a pond, the lake, and mature trees, this is a hunters dream, and ideal for anyone who is look-ing for seclusion and privacy in the country.

French Lake$169,900 | #4158306This charming 2 bedroom seasonal cabin is ready to enjoy. Virtually maintenance free with new vinyl siding and newer windows and shingles. The hard to find level yard is ideal for games. There is additional space for tents and campers on the back lot. Wonderful lakeshore that is sandy, hard bottom and weed free. The open floor plan and wall of windows provide a gorgeous view of the lake! Tongue and groove interior finish and vaulted ceilings give a wonderful “up north” feel.

Sugar Lake Access $189,900 | #4041823All the lake fun without all the heavy lake taxes. Enjoy this country home on a 1-acre lot near the shared access. The home is 1,891 finished square feet with four bedrooms, two full bathrooms, an oversized 3 stall finished garage, gas fireplace, walkout lower level, new roof in 2008 and a huge deck. You will also have a 1/24 deeded access to Sugar Acres, where docks and boats are welcome. There is also abundant room for picnics and entertaining along the water. The perfect setting!

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Make one of the finest panoramic views on the lake yours! This location is ideal, on a double lot at the end of a peninsula, approxi-mately .57 acres, with 233’ of level lakeshore. Enjoy fishing right from your property! En-ter the home on a nice 8x14 deck. The in-terior offers 1,770 finished square feet with two bedrooms and two baths, but a third

bedroom could easily be added. Recent up-dates to the home include new roof, siding, windows, central air and furnace. There is a spacious 12x33 lakeside deck to enjoy morn-ing coffee and evening cocktails with family and friends as you take in a spectacular sun-set view. Detached garage has bonus 16x24 man cave or bunkhouse for the extra visitors

that come your way. Mink and Somers Lakes are separate lakes adjoined by a small chan-nel and together they offer 459 acres of quiet recreational waters, great for fishing, pad-dling and boating. The nearest town, just to the East, is Maple Lake.

Mink Lake $214,900 | #4155922

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Silver Lake $489,000 | #4178974Beautiful custom built home on 2 acres, with 200’ of lakeshore with sand beach. Gorgeous towering pines. 26x36 detached garage. Sunsets!

Crooked/Long Lake $181,700 | #4078695Quaint, maintenance-free lake home conveniently located off I-94. Spacious, 3/4-acre wooded lot. Warm, comfy interior. A great retreat!

Cokato Lake $159,900 | #4100680Alluring building lot with gentle slope to 539-acre Cokato Lake. 150’ of lakeshore. 45 minutes to the Metro. Stocked with walleyes in 2008.

Lake Marie Deeded Access $39,900 | #3979982Affordable weekend getaway in the Heart of the Lakes. Includes 2 stor-age sheds, and an 8x28 RV with screened porch. A great summer spot!

Grass Lake $119,900 | #4109330Great 3-season cabin with resort amenities incl. beach, docks, outdoor pool, 17-acres of common grounds. Updated interior & exterior.

Lake Louisa $139,900 | #4156850Sweet hideaway on Louisa. Two bedroom, one bath, all one level. Nicely shaded deck with 75’ of lakeshore. Included: boat, lift, dock, pontoon.

free area lake maps!New Clearwater Lake maps complete our one-of-a-kind series, created by hand by Steve over many years. These maps accurately show how property lines lay out around the lakes. Pick up a free wall-sized print in our office. Others still in stock include: Pleasant Lake/Lake John, French Lake, Cedar Lake, Granite/Camp Lakes, and Sugar/Indian Lakes.

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Gorgeous custom home constructed by award winning Werschay Homes of St. Cloud. This home is truly impressive from upgraded lighting to stun-ning flooring. Enjoy entertaining with a ‘cooks kitchen’ including custom cabinets, marble and granite countertops, stainless steel appliances, detailed lighting and a spacious pantry. Home boasts 6” hand scraped maple wood flooring and custom blinds throughout, four season sunroom, living room with two-story vaults and spectacular views of the lake, office, dining room, and two upper level bedrooms. Find some time to relax in a true master suite with ornate ceiling, door to balcony overlooking the lake, private bathroom with tile flooring, double sinks, marble countertops, separate open shower, whirlpool tub, and large walk-in closet. Spread out with an expansive landscaped yard and 150’ of sandy shoreline.

$599,900 | #4190875 p[Cokato Lake

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Vacation Rentals on Lake Sylvia

6633 county road 3 nw, annandale

Experience lakeshore living from this charming cabin, located

on the most spectacular shoreline in the Heart of the Lakes.

You will relax in a large screened in porch overlooking the

level, natural shoreline and crystal clear waters. This summer

getaway has plenty of room for the whole family to gather

and spend time with each other. Settle in comfortably with

three bedrooms, a spacious living room with stone fireplace

and full kitchen. Gather your fishing poles and water toys

and take in the sun on 100 feet of pristine sand shore. Pets

are always welcome here. Available for rent from Memorial

Weekend thru fall. Could you use a quiet escape?

Spring & Summer 2013 Availability!

320.274.6363 www.oakrealtymn.com/rentals.htm

6225 pilger avenue nw, annandale

Set on 4 private acres of the renown Lake Sylvia Peninsula, this

spacious waterfront home is available for rental throughout the

year. Its thoughtful floor plan comfortably accommodates up to

8-10 adult guests. Families with children, don’t pass it by. With

an expansive lakeside lawn that stretches along 450+ feet of

pristine shoreline, this is a haven for fun and play all year long.

Gathering spaces throughout invite you to relax, rejuvenate, and

reconnect with family and friends. Numerous amenities include

satellite television and high-speed wireless internet service. No

need to leave your pets at home, they are more than welcome

here. Isn’t it time you treated yourself to a week away?

Year-Round Availability!

Page 25: Heart of the Lakes Property Portfolio | Fall 2012

Gorgeous home on 120 feet of shoreline. Enjoy everything you need is on one level. The kitchen opens to dining area and living room. Step on out to lakeside deck from dining area and enjoy views of Lake Union. This home has an abundance of storage space and room to spread out. You will love a master suite with a private ¾ bath and a second bedroom, both with neutral colors and ceiling fans. Newer paint throughout and many upgrades. Mature, level lot offers a quiet and peaceful setting.

Lake Union$189,900 | #4083128 p[

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The opportunity to purchase a waterfront lot with acreage is rare on Lake Sylvia. This nearly 2-acre lot is in Flannery’s Bay on the North end of West Lake Sylvia. It’s a quiet, serene bay great for fishing and filled with wildlife, and offers easy access to bigger wa-ter. If you’re seeking privacy in the trees, this

beautiful parcel is for you. Build the home of your dreams in these mature woods, where a natural rise in the land gives you panoramic views of this end of the lake. There is approx-imately 500+ of shoreline, with a permanent wood dock on the property. Take 80th Street to Pilger Avenue, this parcel extends from

along Pilger Avenue and continues as you turn onto 76th Street. This unique piece of land is ideal for those seeking a surrounding of woods and wildlife, with the added ben-efit of a quiet access to the lake.

Lake Sylvia $249,000 | #4099734

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at home in the country

Clearwater $294,900Stately 2-story home on 15 rolling acres. Quality finishings include hardwood floors, in-floor heat, a gas fireplace, granite counter-tops, and a private deck off the master suite. Also enjoy a fabulous lower level workshop, and expansive views of the countryside!

Annandale $319,900 | #4187156Everything you want in a clean, updated and spacious 3,500 sq. ft. home on 6+ acres just a few miles from town. Four bedrooms, two fire-places, a large family room, fruit/wine cellar, a new 10x31 deck. The property also has a guest/rental house and horse barn.

Clearwater $159,900 | #4183552Spacious manufactured home, with 2,100 fin-ished sq. ft. on 4.3 rolling acres and mature yard. One level living, with a nice open floor plan. Triple detached, heated garage/shed. Deck and porch provide great places to entertain! Great location, just 2 miles off I-94.

residential

Page 28: Heart of the Lakes Property Portfolio | Fall 2012

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p[Remarkable home on the 2nd fairway of Southbrook GC. Beautiful col-ors and finishings were used throughout, including custom maple cabin-etry, 6-panel doors, 9 foot ceilings, and 2 fireplaces. Relax in a master suite where the private bath has a whirlpool tub. Main floor living room, sun room, and course side balcony offer perfect spaces to entertain. Enjoy an office, exercise/utility room, entertainment area, large family room, bed-room and more on the walkout lower level. Sliding doors lead to a patio overlooking the fairway. This is truly a course side dream home!

Annandale$274,900 | #4115693

Sharp, well-maintained split entry home in a prime location in Sartell. Built in 1997, this home offers an 1,824 finished square feet in an open floor plan, great for entertaining and everyday family life. Hardwood floors flow throughout the upper level. There are three spacious bedrooms, each with walk-in clos-ets, including the 12x14 master suite. The

lower level family room is cozy with a gas fireplace, making it a great space to gather for movies or relaxing in the evening. On beautiful nights you will want to be outside on the spacious 12x18 back deck. Mature trees at the back of the lot line a beautiful lawn and offer privacy and protection from the road. Pride of ownership is evident in

the perfectly manicured yard and care of the home throughout. Parents will appreciate the extra asphalt parking area for the toys, and other features that make this an all around great family home. Appliances are all includ-ed. This home is move-in ready!

Sartell $152,900 | #4165580

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Set on 4 ½ acres of mature landscaping, this home was built in 2004 with stunning de-tail. Enter into a lovely foyer with built-ins. Family will gather in the spacious kitchen with custom cabinets, large picture window, breakfast bar and upgraded lighting. Keep organized with a roomy laundry room, desk area, and walk-in pantry all in one! Dine with

class and enjoy a built-in hutch with lights, the double sided gas fireplace, vaulted ceilings and stunning Brazilian cherry wood floor-ing. The main floor also boasts a living room with double-sided gas fireplace and stunning views, ½ bathroom, gorgeous master suite with full private bathroom, whirlpool tub, heated tile floors, separate shower and walk-

in closet. Lower level includes two bedrooms, a full bathroom, enormous family room with gas fireplace, and extra eating area with tile floors. Walk out to a beautiful backyard that is perfectly landscaped. This home is ready for you to enjoy!

Annandale $389,900 | #4153459 p[

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South Haven$189,900 | #4136318Check out this fabulous three bedroom, two bath year-round home with large double garage. The upper level is spacious and open with stunning views of Lake Sylvia. The kitchen has updated cabinets and wonderful granite countertops. There are plenty of outdoor en-tertaining areas including a 12x26 deck and patio. Kick up your feet and enjoy a glass of wine and the fabulous views!

Kimball$99,900 | #4101844Fantastic opportunity to own prime property in the city of Kimball. This property has had many updates throughout. Large 3-car garage, spacious corner city lot, and tastefully decorated. The convenience of a main level laundry, bright and open living area, and master bed-room with additional sitting area are just some of the features this home offers. Great location with easy access to Highway 55 or 15 and walking distance to downtown and the school.

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Kimball $159,900New home to be built in Heritage Park of Kimball. Oversized lot, with views of Powder Ridge and an easy commute to St. Cloud.

Monticello $259,900| #4183012Large, well-cared-for rambler with many upgrades. Beautiful, fenced backyard with mature trees and paths. Mother-in-law apt. in lower level.

South Haven $155,000 | #4167583 Clean and spacious home with a large, 1-acre yard for great for a garden, children, pets. Choice of Annandale or Kimball School District.

Clearwater $187,900 | #4155998Well-maintained 4-level home built in 2004 on a large corner lot. Huge patio, lower level family room with wet bar. Lots of sunlight inside!

Watkins $114,900 | #4138496Huge corner lot with nice tri-level home, basement recently finished. New patio, heated garage, upgraded appliances. 1/4 mile to Hwy 55.

join us on facebookWe appreciate all of our Facebook fans. If you aren’t already a fan, look us up! This is a great, casual way to stay in touch with us by following our involvement in the community, fun things we’re up to, and news that is new and important in our field. Many of our agents have Facebook pages too, if you want to connect with them personally!

Maple Lake $149,900 | #4181191Brand new home in a well-kept neighborhood. Add your own touch by selecting flooring, paint colors and appliances. Located in city limits!

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Sauk Rapids $229,900 | #4074953Looks like new! One-level home on 9+ acres. Oversized 2-car heated garage, spacious interior with many upgrades and extras throughout.

Zimmerman $339,900 | #4132900Stately 2-story on 2.5 wooded acres. Great outdoor entertaining spaces with screen porch, deck, patios. Spacious interior, many upgrades!

Clearwater $104,900 | #4106352Just minutes from I-94 and Hwy 10, this well-maintained 2-story home sits on a large city lot. Recent updates: paint, carpet, lighting!

Becker $204,900 | #4179360Perfectly maintained 4-level home on a large lot. Main level walks out to a stunning patio w/fireplace, built-in grill, firepit. Near Hwy 10.

Maple Lake $119,900 | #4004793Well maintained duplex with two spacious apartments. Live in one and rent the other, or rent both. Located in the heart of Maple Lake.

Watch Property Trailers on [When you see this symbol next to a property description, it means you can view a Property Trailer for that home on our YouTube Channel! Visit www.youtube.com/oakrealtysince1974. Or if you’re looking at the digital version of our portfolio, go ahead and click on the icon. It will take you directly to that property’s trailer. They are a fun way to take a tour. Have you seen one yet?

p

Clearwater $49,900 | #4183483 Located in the historical downtown district of Clearwater, walking dis-tance to the Mississippi River and parks. Close to I-94 and Hwy 10.

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This impressive four bedroom, two bath country home is located on an acre lot less than a minute from the interstate. The out-side is manicured to perfection and the inside is impeccably maintained. A stone walkway leads to large deck for outside get togethers. Fenced area for pool or area for the small children to play. Ample outdoor space for

gardens, horse shoe pit and bonfires. Home is finished up and down so just move right in. Large lower level bedrooms have closet organizers in both closets. The family room has attached office nook. Open floor plan allows for everyone to be a part of the con-versation. Shed with built-in dog kennel is great for the pets in your life. The home was

built in 1997 and offers 2,194 finished sq. ft. of wonderful living space. Choice of school districts, either St. Cloud or Annandale, both buses stop at the beginning of the road. If you want move in ready in a great loca-tion, then this is the house for you.

Clearwater $184,900 | #4153547 p

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c

caught Upside down on your house?

BWe can help.

If you have questions about short sales, give us a call. Our

experienced staff can guide you through the process and

provide you with the resources you need.

Annandale 320.274.5737 | Maple Lake 320.963.2088

OAKREALTY

Since 1974

Page 35: Heart of the Lakes Property Portfolio | Fall 2012

LANDprivate locations, ready to build

3.4 Acres, Camp Lake$99,900 | #4051779This lot on the South side of Camp Lake (also known as Lake Henry) is covered with ma-ture trees and located on a dead-end road in a quiet neighborhood. East-facing lakefront lot with wonderful privacy, that also overlooks a pond. Great fishing!

10 Acres, South Haven$79,900 | #4135210Beautiful 10-acre parcel just off County Road 2, South of South Haven. Mature woods with rolling hills. Tucked away from the main road, this lot offers a very private spot to build your dream home and enjoy an abundance of nature surrounding you.

5 Acres, Kimball $39,900 | #4117142Picture your new home nestled in tall pines! Walking distance to school, church, stores and dining. Pole shed already built on the property offers storage for now, and when you build. Additional land is available. Located within Kimball City Limits.

OAKREALTY

Since 1974

Page 36: Heart of the Lakes Property Portfolio | Fall 2012

Silver Creek Heights, Maple Lake From $69,900Upscale development offering private lots open to any builder. Near I-94, choice of three school districts. Call for full list of lots/acreage/prices.

10 Acres, Annandale $89,900 | #4144991Buildable, 10-acre parcel. Great open land to build a dream house, with room for shed or outbuildings. 2 miles from town, country feel!

Annandale $35,000 | #4038618Private country lot! 1.5 acres, with mature trees, a great location for the nature enthusiast to build your new home. On a quiet road.

Kimball $399,900 | #417503226 Twinhome lots in the new Heritage Park of Kimball development. Utilities, blacktop, curb and gutter are in. Views of Powder Ridge!

Cokato From $17,900Three nice lots in the City of Cokato, ready for your new home! Beautiful trees mark the corner of Swanson and 3rd St. Your builder or ours.

South Haven$39,900 | #3979982Lot with views of Lake Marie. Includes 2 stor-age sheds, 8x28 Dutchman RV with 12x24 screened porch. Affordable weekend getaway!

Annandale$49,900 | #40053221.87-acre lot on the SW edge of Annandale. Build with privacy and elbow room, with the conveniences of town just blocks away!

Clearwater$71,000 | #41727216 acres of heavily wooded land, very secluded, with some ponds. Abundant wildlife! Easy ac-cess to I-94. Two 6-acre parcels available.

Silver Creek $59,900 | #4039249Private, 3-acre country lot, perfect location for a new home. Overlooks a pond with wonderful views. Located on a quiet, dirt road.

Clearwater$215,000 | #4153673Prime acreage in a great location, 1 mile off I-94. Approximately 8 acres is wooded. 2 road approaches. Develop now or later!

Meadows of South Haven From $54,9007 lots available, ranging from 3 to 3.9 acres. Excellent Contract for Deed terms, low down payment and 0 interest for 36 months.

Southbrook Golf Course, Annandale $49,900 | #4170377Beautiful building site on the 4th t-box and fairway at Southbrook Golf Course. Large lot on a quiet cul-de-sac. Build your dream home!

Hunter Lake Bluff, Clear LakeFrom $19,9007 scenic residential lots ready for your new home, located just off Highway 10 in Clear Lake. Each approximately a 1/3 acre in size.

Clearwater$83,500 | #4085620Heavily wooded 5-acre parcel near Sugar Lake and. Driveway in. Great hunting! Con-tract for Deed financing available.

Annandale, Highway 55$199,900 | #41016813.5-acre lot with 675’ of frontage, and few limi-tations. Excellent visibility! New development on the South side of highway.

Heritage Park of Kimball $24,900-$34,90028 oversized, single family lots available in this new “green” neighborhood! Views of Powder Ridge. Quick commute to St. Cloud!

Annandale $35,000 | #4120820Rolling, wooded 1.8-acre lot on the corner of Cty Rd 6 and 70th. 2 miles to town. Great walkout site, close to parks and lakes.

South Haven $79,900 | #4155590Scenic, heavily wooded 2.1-acre lot on a dead-end road. County land backs up to the prop-erty. Near many area lakes.

36 www.oak rea l t ymn . com

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Hunter’s Cove

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50 Acres, South Haven$172,500 | #4112208Tillable land just north of Lake Sylvia. Beauti-ful parcel, good open farm land is hard to find! Edge of South Haven, more land available.

Hunter’s Path, Annandale $59,900 | #4017357Build at the end of a quiet cul-de-sac in Hunt-er’s Path. Great in-town location. Wooded, 1-acre. Neighborhood of quality-built homes.

39+/- Acres, South Haven $134,500 | #4112207Just South of South Haven on County Road 2. Gravel buyers take a look! More land avail-able. Corner parcel.

Hunter’s Cove, Annandale Lots from $18,900A quiet cul-de-sac with views of Pleasant Lake, now open to any builder. City sewer/water, walk to town, schools, park. Your builder or ours!

St. Michael $484,900 | #417898655-acre parcel, 47 acres tillable. Zoned agri-culture, with homestead on property, currently rented out. Rolling land, within city limits.

Sauk Rapids $300,000 | #4164163Private hunting preserve. 80 gorgeous acres of woods and water. Keep it to yourself or split into beautiful building sites. Will sell as 40’s also.

South Haven $29,900 | #4112590Gorgeous wooded, 1.6-acre lot. Quiet and secluded location to build your new country home. Close to Fairhaven.

Views of Lake Sullivan $29,900 | #4112591Privacy is yours and beautiful views. Heavily wooded 1/2-acre lot, ready for a new home. Qui-et, dead-end road. Calling the nature enthusiast!

Lake Marie Access $8,000 | #4140657Getaway lot, perfect for an RV or camping! Not buildable. Ingress and Egress to Lake Marie. Clear some trees and have a great camp site!

Limestone Trails From $44,900Four lots available at Limestone Trails. Large acreage lots with mature trees, trails, 25+ acre outlot and lake access. Ideal for nature lovers.

Maple Lake $339,900 | #416821575 acres of agricultural land. 15 acres of it is wooded. Great farming land, with added bonus of hunting in the woods too! Close to town.

Clearwater $170,000 | #4100382Large, 38-acre lot, with room for horses and more! Perfect hobby farm site. Exact acreage to be determined by new survey.

8 Acres, Clearwater $79,000 | #4187839Buildable and beautiful 8-acre corner lot with mature pine trees. Easy access to I-94. A well is already on the property.

Cedar South, Clearwater From $19,900Oversized city lots in a great neighborhood with easy access to St. Cloud or the metro. Lots are 1 block from the park.

Market Retreat, Annandale From $65,000Large country lots located between Annandale and Cedar Lake. Quiet, wooded development. Close to Hwy 55, town, and golf course.

Litchfield $96,400 | #4130705Build your dream home on 40 acres and enjoy the wildlife or use the acreage for your own hunting preserve. Prime land, bordered by county roads.

9+ Acres, Clearwater $84,900 | #4123797Rolling acreage with spectacular countryside views and wildlife. Area of newer, prestigious homes. Close to I-94. Numerous building sites.

Clearwater $205,000 | #4172887Heavily wooded 55 acres, with some ponds, very secluded. Wildlife throughout! Ag/Res in Wright Cty Future Land Use. Close to I-94.

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Limestone Trails

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of ClearwaterFinal phase of development1 block from the parkOversized city lots starting at $19,900Use our builder or your ownEasy access to St. Cloud or MetroFinancing available

Cedar South

Gary Dagner Realtor®, GRI [email protected] (320) 309-1739

Page 39: Heart of the Lakes Property Portfolio | Fall 2012

l o t b l o c k d i m e n s i o n s a c r e a g e w o o d e d p r i c e 1 1 2 5 7 x 4 6 4 x 2 1 3 x 4 5 9 2 . 5 Fu l l y $ 1 0 9 , 9 0 02 1 2 3 1 x 4 5 9 x 2 5 9 x 4 3 9 2 . 5 3 Fu l l y $ 1 1 5 , 9 0 03 1 2 0 1 x 4 3 9 x 4 2 4 x 4 7 1 3 . 1 Fu l l y $ 1 1 9 , 9 0 04 1 2 0 2 x 4 7 1 x 3 7 7 x 5 4 0 3 . 3 5 Fu l l y $ 1 2 4 , 9 0 05 1 2 0 0 x 5 4 0 x 5 1 5 x 2 8 1 2 . 7 9 Fu l l y $ 1 2 7 , 9 0 06 1 1 4 6 x 2 8 1 x 3 9 8 x 3 4 5 2 . 5 Fu l l y $ 1 2 2 , 9 0 01 2 2 8 0 x 3 5 7 x 3 3 0 x 3 6 3 2 . 5 2 Fu l l y $ 9 9 , 9 0 02 2 3 1 5 x 3 6 8 x 2 8 1 x 3 6 3 2 . 5 N o n e SOLD!3 2 1 5 2 x 3 6 3 x 2 6 3 x 3 6 8 2 . 5 5 N o n e $ 6 5 , 0 0 04 2 2 2 4 x 3 8 1 x 3 7 6 x 3 0 0 2 . 5 Fu l l y $ 1 1 8 , 9 0 05 2 2 9 1 x 4 0 9 x 2 5 1 x 3 8 1 2 . 5 Fu l l y $ 1 1 8 , 9 0 06 2 4 0 7 x 2 4 6 x 4 0 9 x 2 6 9 2 . 5 Pa r t i a l l y $ 9 4 , 9 0 0

A quiet development of large country lots, located

between the City of Annandale and Cedar Lake. An ideal location for families

or retirees, just a few miles from Annandale Schools and neighboring the scenic

Whispering Pines Golf Course. Convenient access to Highway 55.

Excellent Contract for Deed f inancing terms available. Call today for more information.

Page 40: Heart of the Lakes Property Portfolio | Fall 2012

location, space, opportunity!

Main Street, Annandale$45,900 | #4114092Charming red brick storefront in a prime lo-cation in downtown Annandale. Abundant foot traffic makes this a great location for of-fice, retail or service! 768 sq. ft., open, with an updated interior. Bring your ideas to An-nandale’s charming, canopied downtown, the options are endless!

Highway 55, Annandale$179,900 | #4102119Prime, high visibility, Highway 55 location for a small business or general office space. Currently leased until November 2012. Many possibilities for current building or tear down and start new. Large lot with room to expand. Corner location just a few blocks from down-town Annandale.

Maple Lake$89,900 | #4151794Great commercial opportunity for your busi-ness in downtown Maple Lake. Storefront renovated in 2006, including hardwood floors, windows, HVAC and updated electric. Build-ing has an apartment in the back, as well as a detached garage. Bring your ideas to this charming building!

commercial

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Winsted$285,000 | #4146663Great commercial building in a prime location with great rental history. Located in the heart of a very vibrant community in down-town Winsted, the perfect spot for retail or office space. All four units have long term leases. Road frontage is on high traffic Main Avenue. The building was built in 1983, has a nice brick front and offers 12,000 finished sq. ft. City sewer and water. Nice opportunity for someone looking to own multi-unit commercial building.

Annandale$699,900 | #4182921Great business opportunity for a single business or multiple businesses. Front 3,200 sq. ft. area has four offices, a conference room, his and hers bathrooms along with a spacious showroom area all with central air and forced air. Attached 20,000 sq. ft. open heated warehouse includes a bath-room and 8 overhead doors great for moving equipment around. Building also includes 3 loading docks. This building has a prime location with high traffic frontage on Highway 55 and easy access in and out.

Annandale$189,000 | #4150506The Thayer Hotel is a historic building, last operated as a Bed & Breakfast, that offers 12 guest rooms, each with a private bath, a fab-ulous commercial kitchen, full bar set-up, dining room that can ac-commodate 50+ with the potential of 2 separate private dining areas for small parties. Beautiful patio and garden area for outdoor seating. Built in 1895, this landmark downtown property welcomed Annan-dale’s earliest visitors arriving by train. Rich in history and potential.

Highway 55, Annandale$599,000 | #4128533Great opportunity for a single business or multiple businesses. This large building offers a front area with 6 offices with C/A and forced air, along with a spacious showroom area. Attached is a 17,922 sq. ft. open warehouse with several overhead doors great for moving equipment. Also includes loading dock and outdoor fenced-in storage area. Lot size is 2 acres, with a front lawn and abundant parking area. This is a prime location with high traffic Highway 55 frontage.

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The Bay ClubA clear favorite in dining and entertainment for years, The Bay Club has given residents and visitors to the scenic Heart of the Lakes area a destination to come back to time and again. With a pleasing atmosphere, both rustic and refined, the restaurant appeals to a wide range of customers and has a reputation for excellence across Central Minnesota’s lake country. Fully remodeled in 1997 by its current owners, the 3,992 sq. ft. facility can accom-modate a high volume of guests, with abundant parking and a fabulous outdoor setting. The Bay Club sits on the edge of Turtle Bay, on 3,000+ acre Clearwater Lake, the largest in the Annandale Area. A turn-key business opportunity, it offers an established business with a strong customer base, a quality structure, state of the art computer software systems, and upgraded kitchen equipment, just the start of an extensive list of enhancements.

$474,900 | #3953658 [

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Annandale $69,900 | #4129691Commercial lot on East side of Annandale. Great road frontage just off busy Highway 55. Level, open lot. Nice location for any business!

Chanhassen $1,500,000 | #4127518Turn-key auto salvage business on 5+ acres. Includes land, business, buildings, equipment and inventory. Approximately 750 vehicles.

South Haven $339,900 | #4093244Great location on corner of Cty Rd 2 and Hwy 55. 1,055’ of frontage, 6 acres. Quality building with in-floor heat, 2 overhead doors & more!

Personal Storage Condominium $70,560 | #4145805Storage condo complete power, heat, 16 x 14 overhead door with opener, and 16’ side walls. Perfect for storing year-round recreational toys.

Monticello $799,000 | #4128071Commercial lot with great potential! Located on high traffic East Broadway. Close to major retailers, hospital campus, near I-94 access.

Monticello $159,900 | #4112593Excellent .36-acre commercial lot, with frontage on busy Broadway Street, easy on/off I-94. High traffic. Close to hospital, large stores.

commercial opportunities If you are interested in commercial or investment property in the greater Heart of the Lakes Area, there are a number of lots, existing buildings, and multiple-unit locations that could be a perfect fit for your new or existing business. We also represent opportunities in larger communities like Monticello and St. Michael, where I-94 is at your doorstep. Give us a call and get set-up on a search if this is a market you’re watching.

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44 www.oak rea l t ymn . com

Annandale $99,900 | #4180337Numerous potential development possibilities. Beautiful .84 acre lot, in great location. 5,000 sq. ft. brick building with newer metal roof.

Cokato $395,000Commercial opportunity in the heart of town. Great location with high foot traffic. Established businesses currently leasing. 8 units.

St. Michael $379,000 | #4184045Fantastic business opportunity! High traffic road, great visibility from 241. Pumps and canopy are removed. Near a large retail center.

Personal Storage Condominiums $52,640 | #4146947Got stuff? Own your own storage condo! Power, heat, 16x14 overhead door with opener, 16’ side walls. mnstorageuown.com for more info.

Monticello $799,000 | #4113007Excellent 1.8-acre commercial lot with easy access to I-94. Located in a busy part of town with high traffic, close to large stores and amenities.

Kimball $69,900 | #41133169 acres of commercial land on Highway 55 within the city limits of Kim-ball. 2 blocks from Hwy 55 & 15. City water on North property line.

interested in pursuing real estate as a profession?Are you self-driven? A team player? Interested in real estate? If you are familiar with the Heart of the Lakes Area, and have or have thought about getting your real estate license, come talk to us. We are a fast-paced group of professionals who work independently but value how the team and company function as a whole. We are the area’s oldest brokerage, now in our 38th year. Call 320-274-6363.

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French Lake Auto PartsA world leader in the automotive recycling business since 1956, French Lake Auto Parts is located 60 Miles west of the Twin Cities, with over 84 acres and 6,000 +/- vehicles that range from the early 1900’s to the present. The company is well-known for its large inventory of antique parts and large inventory of late-model parts. They also offer customers many rust-free parts and rebuildables shipped in from Arizona. They specialize in hard to find classic auto and truck parts along with a large selection of quality, affordable used cars, trucks, SUV’s and classic cars for sale. While 60 percent of its customers are located within Minnesota, FLAP also ships nationwide and worldwide. Welcomes 250-300 walk-in customers on a typical Saturday. This family owned and operated company is celebrating its 56th year in the auto parts, vehicle recycling and car sales business. Includes: Land, buildings, business, inventory, equipment. www.frenchlakeautoparts.com

#4111812

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Page 46: Heart of the Lakes Property Portfolio | Fall 2012

lake mapsExplore and enjoy area waters

Page 47: Heart of the Lakes Property Portfolio | Fall 2012

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l a k e a u g u s ta187 acres

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c l e a rwat e r l a k e3,158 acres

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b a s s l a k e227 acres

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ClearwaterLake

Pleasant Lake

Lake John

Lake Francis

French Lake

Lake Augusta

Granite Lake

Grass Lake

Otter LakeBass Lake

Lake CarolineLake Marie

Lake Louisa

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MooseLake

Lake Union

North Fork Crow River

Clearwater River

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Clearwater River

Clearwater River

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ClearwaterLake

Pleasant Lake

Granite Lake

Grass Lake

Maple Lake

Sugar Lake

Bass Lake

Mink Lake

Indian Lake

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Clearwater River

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call. click. come in.

a n n a n d a l e o f f i c e 720 Elm Street East

Annandale, MN 55302Local: 320.274.5737

m a p l e l a k e o f f i c e 501 Maple Avenue NorthMaple Lake, MN 55358

Local: 320.963.2088

o n l i n e www.oakrealtymn.com | blog.oakrealtymn.com