3 Bedroom Apartments for Rent in Gem Lake, MN (41 Rentals)

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Cottages of Vadnais Heights
Rent Specials
$1,695 - $1,699
Total Monthly Price

Total Monthly Price

Base Rent
$1,595 - $1,695
Required Monthly Fees
$4

Total Monthly Price
$1,599 - $1,699
3 Bedroom Apartments Available Now

Cottages of Vadnais Heights

955 Vadnais DrSt. Paul, MN 55127
Senior Living
  • Verified
  • Utilities Included
  • Low Income

Roommate Matching: Finding the Right Fit and Avoiding Pitfalls

When searching for a roommate, follow this list of essential steps and set clear expectations to create a solid foundation for a harmonious living situation.

property at 1923 Arlington Ave E

1923 Arlington Ave E

St. PaulMN55119
property at 1092 Edgerton St

1092 Edgerton St

St. PaulMN55130
property at 512 Beaumont St E

512 Beaumont St E

St. PaulMN55130
property at 597 Geranium Ave E

597 Geranium Ave E

St. PaulMN55130
property at 309 Bankers Dr

309 Bankers Dr

St. PaulMN55127
property at 2272 Hazel St N

2272 Hazel St N

MaplewoodMN55109
property at 1927 Birmingham St

1927 Birmingham St

St. PaulMN55109

Cash or credit? Understanding the Importance of Credit Score in Real Estate and Renting

Discover how your credit score impacts your ability to lease or buy a home. Learn how credit scores are determined, how to check yours, and strategies to improve it for real estate success.

property at 571 County Rd B E

571 County Rd B E

MaplewoodMN55117
property at 938 N Cypress St

938 N Cypress St

St. PaulMN55106
property at 2193 1st St

2193 1st St

White Bear LakeMN55110
property at 2439 Gall Ave

2439 Gall Ave

St. PaulMN55109
property at 2990 Payne Ave

2990 Payne Ave

Little CanadaMN55117
property at 1183 Edgerton St

1183 Edgerton St

St. PaulMN55130
property at 179 Birchwood Ave

179 Birchwood Ave

St. PaulMN55110
property at 3049 Chamberlain St

3049 Chamberlain St

MaplewoodMN55109

The Art of the Rental Viewing: What to look for during a property tour

Touring a rental? This guide helps you know exactly what to look for, from safety features to hidden flaws, so you can confidently sign your lease or keep searching.

property at 2101 Bradley St

2101 Bradley St

St. PaulMN55117
property at 595 Hawthorne Ave E

595 Hawthorne Ave E

St. PaulMN55130
property at 3033 Chamberlain St

3033 Chamberlain St

MaplewoodMN55109
property at 39 Grove St

39 Grove St

St. PaulMN55115
property at 13262 Fondant Trail N
property at 2168 1st St

2168 1st St

White Bear LakeMN55110
property at 5574 130th Way N

5574 130th Way N

HugoMN55038
property at 2193 1st St

2193 1st St

White Bear LakeMN55110

Smart Renter's Guide: Calculating Affordable Rent & Housing Costs

Wondering how to determine your rental budget? This comprehensive guide covers everything from the 30% rule to hidden fees and effective budgeting strategies.

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Willow Ridge Apartments
3 Bedroom Apartments

Willow Ridge Apartments

1255 County Road D EVadnais Heights, MN 55109
  • Utilities Included
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Wyngate Townhomes
3 Bedroom Apartments

Wyngate Townhomes

1752 Village Trl EMaplewood, MN 55109
  • Utilities Included
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Hoffman Place
3 Bedroom Apartments

Hoffman Place

3656 Hoffman RdWhite Bear Lake, MN 55110
  • Utilities Included
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Belland Woods
3 Bedroom Apartments

Belland Woods

581 Belland AveVadnais Heights, MN 55127
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Maple Knoll
3 Bedroom Apartments

Maple Knoll

1880 Mesabi AveMaplewood, MN 55109
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Mount Vernon Apartments
3 Bedroom Apartments

Mount Vernon Apartments

3731 Highland AveWhite Bear Lake, MN 55110
  • Utilities Included

Navigating the Rental Market: Tips for First-Time Renters

Entering the rental market? Learn these simple tips and strategies to avoid common pitfalls and make confident choices. Rent with peace of mind.

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Shadowlawn Estates
3 Bedroom Apartments

Shadowlawn Estates

1175 County Road D EVadnais Heights, MN 55109
  • Utilities Included

Gem Lake, MN Local Guide

Largest Available Gem Lake and Nearby 3 Bedroom Apartments

The largest available 3 Bedroom apartment unit in Gem Lake, MN is found at Lochner Apartments in the Ledgestone neighborhood and is 1,388 square feet priced from $2,905. Cottages of Vadnais Heights in the White Bear Parkway neighborhood has the second largest 3 Bedroom, which is sized at 1,102 square feet and currently listed start at $1,699. Here is today’s list of the largest available 3 Bedroom units in Gem Lake:

Apartment ListingModel NameSquare FootagePriced From
Lochner ApartmentsMontrose | ACC1,388 Sq Ft$2,905
Cottages of Vadnais Heights3 Bedroom + Attached Garage1,102 Sq Ft$1,699
Cottages of White Bear Lake TownshipThree Bedroom1,080 Sq Ft$1,595

Cheapest Available Gem Lake and Nearby 3 Bedroom Apartments

As of December 07, 2025 the lowest priced 3 Bedroom apartment unit in Gem Lake, MN is the Three Bedroom Model starting from $1,595 at Cottages of White Bear Lake Township in the Lake Shore Park neighborhood. The second most affordable Gem Lake 3 Bedroom is the 3 Bedroom + Attached Garage Model at Cottages of Vadnais Heights starting at $1,699 in the White Bear Parkway neighborhood. The average price for all 3 Bedroom apartments in Gem Lake is currently $2,173. Here is today’s list of the cheapest available 3 Bedroom options in Gem Lake:

Apartment ListingModel NamePriced From
Cottages of White Bear Lake TownshipThree Bedroom$1,595
Cottages of Vadnais Heights3 Bedroom + Attached Garage$1,699
Lochner ApartmentsMontrose | ACC$2,905

Don't Settle: How to Negotiate Your Apartment Lease and Save Money

Discover the insider tips from an attorney and real estate agent on how to negotiate your next apartment lease. Find out what's on the table and what's not, so you can save money and get the best terms possible.

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The Ultimate Long-Distance Moving Checklist: Tips from a Real Estate Pro

Moving is tough, especially long-distance. Learn how to minimize stress & expenses with proven strategies from a real estate pro, covering everything from logistics to finances.

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Quick Rent Budget Calculator

How much rent can you afford?

The common "Rule of Thumb" is that rent should be no more than 30% of your income. How much is that? Enter your monthly income and click "Calculate My Budget" to find out.

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Remember the 3 Rules of Real Estate:
Location, Location, Location!

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Getting Around Gem Lake, MN

Walk Score®

36 / 100

Car-Dependent

Most errands require a car

Bike Score®

39 / 100

Somewhat Bikeable

Minimal bike infrastructure

Frequently Asked Questions about 3 Bedroom Gem Lake Apartments

What is the Cheapest apartment in Gem Lake with 3 Bedroom?

Currently the most affordable 3 Bedroom in Gem Lake is at Cottages of White Bear Lake Township listed at $1,595.

How much is the average rent for a 3 Bedroom Gem Lake Apartment?

The average rent for a 3 Bedroom Apartment in Gem Lake is $2,173.

What is the largest available 3 Bedroom Gem Lake Apartment for rent?

Today's apartment with the most square footage in Gem Lake is a 1,388 square feet unit starting from $2,905 at Lochner Apartments.

What is the average size for Gem Lake 3 Bedroom Apartments for rent?

The average size for a 3 Bedroom rental in Gem Lake is currently 1,692 sq ft.

Expert Rental Resources

Helpful Apartment Articles, How-To's and Tips

The rental experts at ApartmentHomeLiving.com provide you with top advice, tools, and tips for understanding the leasing process and finding the perfect rental. Here are a few helpful rental and leasing articles from our experts to guide you on your search.

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Renting with Roommates: Realistic Expectations for Shared Lease

Written by: Christine Leonard, Esq.

Given the high costs for housing, I have found that many people are looking for a roommate to share expenses. These arrangements can increase opportunities for more desirable and larger spaces.

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Apartment Common Area Rules: What Renters Need to Know

Written by: Christine Leonard, Esq.

Back in the day when I rented one of my first apartments, the property didn’t even have laundry in the building. Now, rental properties are often competing against each other to provide the best amenities.

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How to Negotiate Your Apartment Lease and Save Money

Written by: Christine Leonard, Esq.

Everything is a negotiation in real estate! 

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The Rental Move-In Inspection Checklist: A Guide for Renters

Written by: Trey Huguley

The move-in inspection checklist is a crucial tool for both tenants and landlords. This checklist, provided by the team at ApartmentHomeLiving.com, helps document the condition of an apartment at the time of move-in.