2054  COTTAGE LN photo 1
1 / 55
Single Family Residence
$10,000 reduction
Active
124Days on Market

$659,000

$220/sqft+8.8%/yrHome values in the 84028 zip code have grown an average of 8.8% per year over the last 5 years.

$669,000↓$10,000 (1%)Jun 15

Price history — protected

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Property summary

6Beds3Baths1Kitchen2,998sqft2006Year
1
Main Floor1,359 sqft
2Bed
1Full Bath
13/4 Bath
1Family
1Kitchen
1Fireplace

2

Garage

B
Basement 1,639 sqft
4Bed
1Full Bath
1Family
1Laundry
0.09 acres3,920 sqft lot

About This Property

I'm interested

Spacious Bear Lake Retreat in The Cottages | 2054 S. Cottage Lane, Garden City, UT Discover one of the most generously sized homes in The Cottages at Bear Lake - a beautifully finished 6-bedroom, 3-bathroom rambler offering nearly 3,000 square feet of comfortable living just a short walk from the stunning turquoise waters of Bear Lake. From the moment you arrive, the stone and stucco exterior and covered deck set the tone for a home that blends mountain charm with thoughtful upgrades. Step inside to find hardwood, tile, and newer carpet throughout the main level, where a large master suite awaits - complete with a private bath featuring a separate shower and garden tub, an elevated finish that stands apart from the standard Cottages build. Granite countertops, a cozy gas log fireplace insert, and an open, functional layout make this home equally suited to quiet weekends and larger family gatherings. Downstairs, the fully finished basement delivers exceptional versatility with four additional bedrooms, a spacious open family room, and a three-quarter bath - plenty of room for extended family, guests, or a bunkhouse-style setup that sleeps a crowd in comfort. The extra-wide, extra-long 2-car garage provides ample space for vehicles, lake toys, and gear storage. Outside, enjoy a covered deck and open patio perfect for morning coffee or evening barbecues, with overflow parking right next door and paved roads throughout the community. The HOA covers snow removal and water for just $100/month, making year-round ownership genuinely low-maintenance. The Cottages is one of Bear Lake's most sought-after communities - close to the water, well-maintained, and refreshingly residential in character. Short term rental policy restrictions keeps the neighborhood peaceful, making this the ideal personal retreat, family legacy property, or long-term vacation home for buyers who want Bear Lake without the noise of a nightly rental corridor. This is Bear Lake living done right - spacious, upgraded, and move-in ready.

Property Features

Heating

Forced Air,Gas: Central

Cooling

Central Air

Flooring

Carpet,Hardwood,Tile

Appliances

Ceiling Fan,Dryer,Microwave,Range Hood,Washer

Laundry

Electric Dryer Hookup

Interior Features

Bath: Primary,Bath: Sep. Tub/Shower,Closet: Walk-In,Disposal,French Doors,Gas Log,Great Room,Jetted Tub,Range/Oven: Free Stdng.,Granite Countertops,Smart Thermostat(s)

Exterior Features

Patio: Covered

HOA Details

HOA Fee$120/Monthly

Fee Includes

Sewer,Water

Community Amenities

RV Parking,Pet Rules,Pets Permitted,Sewer Paid,Water

Location

Estimated Monthly Payment

$3,807/mo

Down Payment$131,800 (20%)
Principal & Interest$3,342
Property Tax$221/mo
Insurance (est.)$124/mo
HOA$120/mo
Est. Total$3,807/mo

Based on 20% down, 6.529% rate, 30-yr fixed. For estimation only.

Generic estimate. Create an account to enter your down payment, rate, and cash on hand for a number tailored to you.

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MLS# 2153344• Tax ID: 41-33-010-0015

Courtesy of Ryan L Olsen, Mountain Retreat Real Estate, LLC · 208-339-3200 · ryanlolsen@gmail.com

Property data from UtahRealEstate.com. Home value index from Zillow Research (zillow.com/research/data). Walkability data from Walk Score. Rent estimates from Rentometer. Public records (owner + loan) from the Salt Lake County Recorder; loan rate estimated from FRED's 30-yr average at origination month, balance assumes a 30-yr fixed with no extra payments. Property valuations by Rocco Value. Information deemed reliable but not guaranteed.

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Estimated Monthly Payment

$3,807/mo

Down Payment$131,800 (20%)
Principal & Interest$3,342
Property Tax$221/mo
Insurance (est.)$124/mo
HOA$120/mo
Est. Total$3,807/mo

Based on 20% down, 6.529% rate, 30-yr fixed. For estimation only.

Generic estimate. Create an account to enter your down payment, rate, and cash on hand for a number tailored to you.

Create account & personalize

MLS# 2153344• Tax ID: 41-33-010-0015

Courtesy of Ryan L Olsen, Mountain Retreat Real Estate, LLC · 208-339-3200 · ryanlolsen@gmail.com

Property data from UtahRealEstate.com. Home value index from Zillow Research (zillow.com/research/data). Walkability data from Walk Score. Rent estimates from Rentometer. Public records (owner + loan) from the Salt Lake County Recorder; loan rate estimated from FRED's 30-yr average at origination month, balance assumes a 30-yr fixed with no extra payments. Property valuations by Rocco Value. Information deemed reliable but not guaranteed.

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