Welcome to 3504 Oak Terrace in the heart of White Bear Lake, a thoughtfully designed four-level home that combines practical living spaces with recent updates including new carpet and LVP throughout the home, newly painted, updated bathrooms and more, all situated on a .29-acre walkout corner lot framed by mature trees. The home’s exterior immediately sets the tone, with a 12x14 front deck that serves as both an entry feature and a functional outdoor space. It’s a natural spot to enjoy quiet mornings or connect with neighbors in this established community. Stepping inside, the main level is arranged for both comfort and usability. The living room offers a welcoming space with natural light and an open feel. The kitchen has been updated with stainless steel appliances and a tile backsplash, while offering generous countertop space that supports both everyday cooking and larger gatherings. A window above the sink provides a view of the backyard, adding to the connection between indoor and outdoor spaces. Adjacent to the kitchen, the informal dining area is positioned for convenience and flow. A patio door leads directly to a 14x16 deck, extending the living space outdoors. This setup makes it easy to host meals outside or simply step out for fresh air. The upper level is dedicated to private living quarters. Three bedrooms are arranged with functionality in mind, along with a full bathroom featuring tiled floors and walls for durability and easy maintenance. A hallway linen closet adds storage, while a traditional clothes chute offers a unique and practical feature rarely found in newer homes. The walkout lower level adds significant flexibility to the home. The family room is designed for comfort, featuring wood wainscoting accents that bring warmth and texture, along with a gas fireplace that creates a cozy focal point. This level also includes a separate space that can serve as a home office, den, or hobby area, along with a recently remodeled 3/4 bathroom that adds convenience. The basement level focuses on utility, with a dedicated laundry area and ample storage space to keep the home organized. Completing the home is a highly sought after three car attached garage. Beyond the home itself, White Bear Lake offers an exceptional lifestyle. Residents enjoy access to scenic parks, walking and biking trails, charming local shops, and a vibrant dining scene. The beautiful lake provides opportunities for boating, fishing, and year-round recreation, while the strong sense of community and convenient proximity to the Twin Cities make it an ideal place to call home.