Ramsey County property record for 12 Lake Ct, No Oaks, MN 55127
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7 ba · 5,133 sqft · built 1994 |
| Lot Size | 2.38 acres (104,108 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,550,000 (Sep 2023) |
| Tax Bill | $18,758 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jun 2019 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 12-30-23-32-0016 |
| Primary APN | 12-30-23-32-0016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 24 Plumbing Fixtures |
| Total Rooms | 15 Rooms |
| Stories | 2 Stories |
| Building Area | 5,133 sqft Living Area |
| 1st Floor Area | 3,489 sqft |
| Basement Area | 2,300 sqft |
| Finished Basement | 2,300 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 104,108 sqft |
| Lot Dimensions | 187 ft deep x 170 ft wide |
| Garage Type | Attached |
| Garage Area | 928 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Water Source | Well |
| Account Number | 397957 |
|---|---|
| Street Address | 12 LAKE CT |
| City | SAINT PAUL |
| State | MN |
| Zip | 55127-6209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE ESTATES OF NORTH OAKS LOT 13 BLK 1 |
| Legal Range | 23 |
| Legal Township | 30 |
| Legal Section | 12 |
| Legal Subdivision | LAKE ESTATES OF NORTH OAKS |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH OAKS |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 40601 |
12 Lake Ct is owned and occupied by two individuals who bought it in September 2023.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 LAKE CT, SAINT PAUL, MN 55127-6209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 25, 2023 | Deed, Transfer · Loan Assumption BMO BANK NA |
| Jun 6, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2023 · Amount on File |
| Deed Sale | Sep 25, 2023 · Amount on File |
| Deed Document Number | 20235002721 |
| Prior Transfer Date | Feb 24, 2016 |
| Prior Transfer Doc | 0004599613 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Sep 25, 2023 |
| Property Address | 12 LAKE CT, NORTH OAKS, MN 55127-6209 |
| Document Number | 0A05002721 |
| Instrument Date | Sep 19, 2023 |
| Instrument | A05002721 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,115.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 12 LAKE CT, NORTH OAKS, MN 55127-6209 |
| Document Number | 0A05002722 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | A05002722 |
| Name | BMO BANK NA |
|---|---|
| Type | Non-Lending Institution |
| Type | Loan Assumption |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 6, 2019 |
| Property Address | 12 LAKE CT, NORTH OAKS, MN 55127-6209 |
| Document Number | 0004758789 |
| Instrument Date | May 12, 2019 |
| Instrument | 4758789 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 12 LAKE CT NORTH OAKS MN 551276209, NORTH OAKS, MN 55127-6209 |
The 2025 property tax bill for 12 Lake Ct was $18,758.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | North Oaks City |
| Unified School District | Mounds View Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,690,000 Land $399,600 Building $1,290,400 | $1,690,000 Land $399,600 Building $1,290,400 | |
| 2025 | $18,758.00 | ||
| 2023 | $17,216.00 | $1,700,300 Land $398,900 Building $1,301,400 | $1,700,300 Land $398,900 Building $1,301,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Lake Ct in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 20, 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12 Lake Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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