Ramsey County property record for 12 Willow Rd, No Oaks, MN 55127
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,237 sqft · built 1998 |
| Lot Size | 1.34 acres (58,370 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $465,000 (Jun 2013) |
| Tax Bill | $9,338 (2023) |
| Deeds & Mortgages | Dec 2025 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-30-22-33-0007 |
| Primary APN | 18-30-22-33-0007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 4,237 sqft Living Area |
| Gross Area | 4,743 sqft |
| 1st Floor Area | 2,287 sqft |
| Basement Area | 1,950 sqft |
| Finished Basement | 1,950 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Lot Area | 58,370 sqft (1.34 acres) |
| Garage Type | Attached |
| Garage Area | 1,056 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 12 WILLOW RD |
|---|---|
| City | NORTH OAKS |
| State | MN |
| Zip | 55127-2089 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | G |
| Legal Description | REGISTERED LAND SURVEY 323 SUBJ TO EMSTS TRACT L |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 18 |
| Legal Quarter | 3 |
| Quarter-Quarter Section | 3 |
| Legal Subdivision | REGISTERED LAND SURVEY 3 |
| Legal Tract | L |
| Legal Lot Number | L |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH OAKS |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 40601 |
The current owner of 12 Willow Rd bought it in June 2013.
Source: Ramsey County records, as of April 29, 2024
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 12 WILLOW RD, NORTH OAKS, MN 55127-2089 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Line of Credit BANKCHEROKEE |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| May 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2013 · Amount on File |
| Deed Sale | Jun 28, 2013 · Amount on File |
| Prior Sale | Jul 29, 1998 · Amount on File |
| Deed Document Number | 2214710 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 12 WILLOW RD, NORTH OAKS, MN 55127-2089 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12 WILLOW RD, NORTH OAKS, MN 55127-2089 |
| Document Number | 0T02807559 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | T02807559 |
| Name | BANKCHEROKEE |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 73 Months |
| Due | Dec 31, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 12 WILLOW RD, NORTH OAKS, MN 55127-2089 |
| Document Number | 0002685983 |
| Instrument Date | Dec 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 WILLOW RD NORTH OAKS MN 551272089, NORTH OAKS, MN 55127-2089 |
| Document Number | 0002685983 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 2685983 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 12 WILLOW RD, NORTH OAKS, MN 55127-2089 |
| Document Number | 0002665095 |
| Instrument Date | May 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | BURNET TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 WILLOW RD NORTH OAKS MN 551272089, NORTH OAKS, MN 55127-2089 |
| Document Number | 0002665095 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 2665095 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 7, 2035 |
Source: Ramsey County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $9,338.00 | $851,600 Land $180,000 Building $671,600 | $851,600 Land $180,000 Building $671,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Willow Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 20, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12 Willow Rd 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 98% of the US · lower than 92% 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 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
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