1615 Eugene St, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 1615 Eugene St, White Bear Lake, MN 55110

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 954 sqft · built 1978
Lot Size	0.285 acres (12,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Dec 2018)
Tax Bill	$4,466 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-30-22-43-0027`

Property Details

APN / Parcel Number

Primary APN	`15-30-22-43-0027`
Alternative APNs	`8504968` `562626`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	954 sqft Living Area
1st Floor Area	954 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Family Room	Family Room

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1983
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Lot Area	12,400 sqft (0.285 acres)
Lot Dimensions	155 ft deep x 80 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	562626
Street Address	1615 EUGENE ST
City	SAINT PAUL
State	MN
Zip	55110-3369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 15 TOWN 30 RANGE 22 N 184.61 FT OF S 514.61 FT OF W 80 ...TO RD) IN SEC 15 TN 30 RN 22
Legal Range	22
Legal Township	30
Legal Section	15
Legal Subdivision	SECTION 15 TOWN 30 RANGE 22
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR LAKE
Census Block Group	4
Census Block	4020
Census Tract	40504

Owner

Source: Ramsey County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1615 EUGENE ST, SAINT PAUL, MN 55110-3369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2020	Deed of Trust, Mortgage · Conventional with PMI BELL BK
Dec 10, 2018	Warranty Deed, Transfer · Conventional with PMI BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2018 · Amount on Record
Deed Sale	Dec 10, 2018 · Amount on Record
Prior Sale	Oct 14, 2008 · Amount on Record
Deed Document Number	20184738195
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1615 EUGENE ST, WHITE BEAR LAKE, MN 55110-3369
Document Number	0004802162
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 EUGENE ST WHITE BEAR LAKE MN 551103369, WHITE BEAR LAKE, MN 55110-3369

Mortgage

Document Number	0004802162
Date	Mar 16, 2020
Instrument	4802162

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Dec 10, 2018
Property Address	1615 EUGENE ST, WHITE BEAR LAKE, MN 55110-3369
Document Number	0004738195
Instrument Date	Nov 14, 2018
Instrument	4738195
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	TITLE WERKS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$935.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1615 EUGENE ST WHITE BEAR LAKE MN 551103369, WHITE BEAR LAKE, MN 55110-3369

Mortgage

Document Number	4738196
Date	Dec 10, 2018
Instrument	4738196

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2048

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	White Bear Lake City
Unified School District	White Bear Lake School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$344,800 (+4.58%) Land $81,900 Building $262,900	$344,800 (+4.58%) Land $81,900 Building $262,900
2025	$4,466.00 (+10.27%)
2023	$4,050.00 Homeowner's exemption	$329,700 Land $81,900 Building $247,800	$329,700 Land $81,900 Building $247,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	White Bear Lake serves 25,634 people · EPA ID MN1620024
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 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

May also be available: CenturyLink, T-Mobile.

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