Accepting backup offers MLS# 2153344 · 185 days on the market
$659,000
It starts with a call with an agent.
2054 Cottage Ln, Garden City, UT 84028
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.
Written by the listing agent.
Location
The market in Garden City today
$659,000 is about the median asking price in Garden City.
At $220 per sqft it asks 26% less than the median in the city.
45% of the listings for sale have lowered their price at least once.
From the listings for sale, as of October 26, 2026. Asking prices only: Utah does not make sold prices public.
Living in Garden City
Garden City is a town in northwestern Rich County on the shores of Bear Lake, a natural freshwater lake nicknamed the "Caribbean of the Rockies" for its turquoise-blue color. First settled in 1877, the town merged with neighboring Pickelville in 1979.
- 602 residents (2020)
- 1 named trail
- 2 named parks
Monthly payment
- Principal & interest
- $3,652
- Property tax
- $221
- Home insurance
- $110
- HOA
- $120
10% down ($65,900), 30-year fixed at 6.25%. Tax from the MLS record; insurance is an estimate. Not a loan offer.
Details
- Style
- Bungalow/Cottage
- Garage
- 2 cars
- Basement
- Full
- Lot
- 0.09 acres
- HOA
- $120/mo
- Subdivision
- THE COTTAGES
See all 20 details
- Stories
- 2
- Rooms
- 16
- Basement finished
- 100%
- Parking
- Attached, Extra Height, Opener, Extra Length, Workbench
- Heating
- Forced Air, Gas: Central
- Cooling
- Central Air
- Flooring
- Carpet, Hardwood, Tile
- Roof
- Asphalt
- Construction
- Stucco
- Water
- Culinary
- Sewer
- Sewer: Connected
- County
- Rich
- Faces
- West
- Terms
- Cash, Conventional
- Bath: Primary
- Bath: Sep. Tub/Shower
- Closet: Walk-In
- Disposal
- French Doors
- Gas Log
- Great Room
- Jetted Tub
- Range/Oven: Free Stdng.
- Granite Countertops
See all 24 features
Interior
- 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
- Patio: Covered
Lot features
- Road: Paved
- Sidewalks
- Sprinkler: Auto-Part
Community amenities
- RV Parking
- Pet Rules
- Pets Permitted
- Sewer Paid
- Water
Utilities
- Natural Gas Connected
- Electricity Connected
- Sewer Connected
- Water Connected
Schools
Assigned schools as reported to the MLS by the listing agent. Boundaries change; confirm enrollment with the district. · Rich
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Listing courtesy of Mountain Retreat Real Estate, LLC / Ryan L Olsen. Based on information from UtahRealEstate.com as of 9/22/2026 9:34 AM. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy.