Ramsey County property record for 15 Monarch Ln, No Oaks, MN 55127
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 6,028 sqft · built 2015 |
| Lot Size | 0.395 acres (17,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,419,000 (Aug 2024) |
| Tax Bill | $17,074 (2024) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-30-22-21-0048 |
| Primary APN | 05-30-22-21-0048 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 16 Rooms |
| Stories | 2 Stories |
| Building Area | 6,028 sqft Living Area |
| 1st Floor Area | 1,822 sqft |
| Basement Area | 2,105 sqft |
| Finished Basement | 2,105 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Bi-Level |
| Exterior Material | Concrete |
| Construction Type | Concrete |
| Lot Area | 17,199 sqft (0.395 acres) |
| Lot Dimensions | 147 ft deep x 117 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 1,140 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 337894 |
|---|---|
| Street Address | 15 MONARCH LN |
| City | NORTH OAKS |
| State | MN |
| Zip | 55127-4037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REGISTERED LAND SURVEY 612 TRACT U |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 05 |
| Legal Subdivision | REGISTERED LAND SURVEY 612 |
| Legal Tract | U |
| Legal Lot Number | TRACT |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH OAKS |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 40601 |
Source: Ramsey County records, as of April 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 15 MONARCH LN, SAINT PAUL, MN 55127-4037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2024 · Amount on Record |
| Deed Sale | Aug 27, 2024 · Amount on Record |
| Prior Sale | Apr 30, 2021 · Amount on Record |
| Deed Document Number | 20242780089 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 15 MONARCH LN, NORTH OAKS, MN 55127-4037 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | 15 MONARCH LN, NORTH OAKS, MN 55127-4037 |
| Document Number | 0T02805894 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | T02805894 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.79% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Apr 30, 2021 |
| Property Address | 15 MONARCH LN, NORTH OAKS, MN 55127-4037 |
| Document Number | 0T02698365 |
| Instrument Date | Apr 14, 2021 |
| Instrument | T02698365 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 15 MONARCH LN, NORTH OAKS, MN 55127-4037 |
| Document Number | 0T02698368 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | T02698368 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
Source: Ramsey County assessment roll, as of July 28, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,440,100 (+1.57%) Land $250,000 Building $1,190,100 | $1,440,100 (+1.57%) Land $250,000 Building $1,190,100 | |
| 2024 | $17,074.00 (+21.13%) | ||
| 2023 | $14,096.00 | $1,417,800 Land $250,000 Building $1,167,800 | $1,417,800 Land $250,000 Building $1,167,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 63% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | White Bear Township serves 11,699 people · EPA ID MN1620025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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