• Active Under Contract
  • Price cut 1%

2054 COTTAGE LN, Garden City, UT 84028

$659,000

Originally listed at $669,000

Est. $3,925/mo

Beds
6
Baths
3
Sq ft
2,998
Built
2006

About this home

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.

Features

  • Fireplace
  • 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)
  • Patio: Covered

Agents

Connect with your buyer agent

Get local guidance on this home from Juston.

JP

Salt Lake County Realtor | Smart Real Estate. Lasting Legacy.

KW Utah Realtors Keller Williams (REVO)

20 yrs experience

Salt Lake City, West Valley City
Dedicated buyer representation

Listed by Ryan L Olsen

Mountain Retreat Real Estate, LLC

MLS #2153344

Your message goes only to Juston.

Schools

Rich

Home details

Property

Type
Residential
Style
Single Family Residence
Architectural style
Bungalow/Cottage
Year built
2006
Stories
2
Above grade area
1,359 sq ft
Condition
Blt./Standing
Construction
Stucco
Subdivision
THE COTTAGES
County
Rich
MLS #
2153344

Costs

List price
$659,000
Original price
$669,000
HOA
$120 / Monthly
Annual taxes
$2,654
Home warranty
No

Lot and parking

Lot
3,920 sqft
Lot features
Road: Paved,Sidewalks,Sprinkler: Auto-Part
Garage
2 cars
Covered spaces
2
Total parking
5

Systems

Heating
Forced Air,Gas: Central
Cooling
Central Air
Roof
Asphalt
Flooring
Carpet,Hardwood,Tile
Basement
Full
Appliances
Ceiling Fan,Dryer,Microwave,Range Hood,Washer
Laundry
Electric Dryer Hookup
Patio and porch
Covered
Water
Culinary
Sewer
Sewer: Connected
All home details62 details

Property Info

Property Type
Residential
Property Style
Single Family Residence
Architectural Style
Bungalow/Cottage
Condition
Blt./Standing
MLS #
2153344
County
Rich
Subdivision
THE COTTAGES
Year Built
2006
New Construction
No
Stories
2
Total Rooms
16
Living Area
2,998 sq ft
Above Grade Area
1,359 sq ft
Lot Size (Acres)
0.09
Lot Size
3,920.4 sq ft

Bedrooms & Baths

Bedrooms
6
Total Bathrooms
3
Full Baths
2
¾ Baths
1

Financial

List Price
$659,000
Original Price
$669,000
HOA Fees
$120
HOA Frequency
Monthly
HOA
Yes
Annual Taxes
$2,654
Home Warranty
No

Structure

Construction
Stucco
Basement
Full
Roof
Asphalt
Flooring
Carpet,Hardwood,Tile
Heating
Forced Air,Gas: Central
Cooling
Central Air
Appliances
Ceiling Fan,Dryer,Microwave,Range Hood,Washer
Laundry
Electric Dryer Hookup
Patio & Porch
Covered

Lot & Land

Lot Features
Road: Paved,Sidewalks,Sprinkler: Auto-Part
Topography
Road: Paved, Sidewalks, Sprinkler: Auto-Part, Terrain, Flat
Waterfront
No
Horse Property
No

Parking

Garage
Yes
Garage Spaces
2
Carport
No
Covered Spaces
2
Open Parking
3
Total Parking
5
ADU
No

Amenities

Fireplace
Yes
Fireplaces
1
Pool
No
Spa/Hot Tub
No
Inclusions
Ceiling Fan, Dryer, Microwave, Range, Range Hood, Washer, Window Coverings, Smart Thermostat(s)

Utilities

Water Source
Culinary
Sewer
Sewer: Connected
Utilities
Natural Gas Connected,Electricity Connected,Sewer Connected,Water Connected

Schools

Elementary
North Rich
Middle School
Rich
High School
Rich
Elementary District
Rich

Timeline

Listed
Apr 24, 2026
Days on Market
151
Status
Active Under Contract
MLS Status
Backup

Garden City market

Explore Garden City
  • Garden City median

    $525,000

    This home: 26% above

  • Days to sell

    163

    Utah: 70

  • Homes for sale

    162

  • Price range

    $65k – $4.4M

  • Sale to list

    95%

  • Market

    Buyer's market

Location

THE COTTAGES

2054 COTTAGE LN, Garden City, UT 84028

Open in map search

Common questions

About 2054 COTTAGE LN, Garden City, Utah
What is the asking price for 2054 COTTAGE LN, Garden City?

2054 COTTAGE LN, Garden City is listed at $659,000 ($220/sqft). The original list price was $669,000, representing a reduction of $10,000. Current status: Active Under Contract.

How long has 2054 COTTAGE LN, Garden City been on the market?

This property has been listed for 151 days. The average days on market in Garden City is 163 days, meaning this listing is moving faster than the local average. Extended time on market may present negotiation opportunities for buyers.

What schools serve 2054 COTTAGE LN, Garden City?

Assigned schools: Elementary: North Rich; Middle: Rich; High: Rich. School district: Rich.

How does this listing compare to the Garden City market?

2054 COTTAGE LN, Garden City is listed at $659,000, which is above the Garden City median of $525,000 by $134,000. There are currently 162 active listings in Garden City. Homes in Garden City sell in an average of 163 days. The average sale-to-list ratio is 94.8%.

What would homeowner's insurance cost for 2054 COTTAGE LN, Garden City?

Homeowner's insurance in Utah typically ranges from 0.3% to 0.5% of the home's value annually. For a home listed at $659,000, expect approximately $1,977-$3,295/year ($165-$275/month). Get multiple quotes — rates vary significantly by insurer.

Could 2054 COTTAGE LN, Garden City be a 1031 exchange property?

Yes, 2054 COTTAGE LN, Garden City could potentially qualify for a 1031 like-kind exchange if used as an investment or business property. A 1031 exchange allows deferral of capital gains taxes by reinvesting proceeds from one investment property into another. Key requirements include identifying a replacement property within 45 days and closing within 180 days. The property must be held for investment purposes — personal residences do not qualify. Consult a qualified intermediary and tax advisor for specific guidance.

All 8 questions
How many bedrooms and bathrooms does 2054 COTTAGE LN, Garden City have?

This Residential features 6 bedrooms, 3 bathrooms, 2,998 square feet of living space. It is a 2-story home. The lot is 0.09 acres.

What high school is near 2054 COTTAGE LN, Garden City?

The nearest high school is Rich. View the full school profile on Propaired for test scores, enrollment, and student-to-teacher ratios.

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