Ramsey County property record for 1768 Elm St, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,793 sqft · built 1998 |
| Lot Size | 0.15 acres (6,549 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (May 2003) |
| Tax Bill | $5,374 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-30-22-14-0008 |
| Primary APN | 34-30-22-14-0008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,793 sqft Living Area |
| 1st Floor Area | 982 sqft |
| Basement Area | 350 sqft |
| Finished Basement | 350 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,549 sqft (0.15 acres) |
| Lot Dimensions | 111 ft deep x 64 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 302467 |
|---|---|
| Street Address | 1768 ELM ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-4502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLOW MARSH LOT 6 BLK 1 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 34 |
| Legal Subdivision | WILLOW MARSH |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 40402 |
1768 Elm St is owned and occupied by two individuals who bought it in May 2003.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1768 ELM ST, SAINT PAUL, MN 55110-4502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 1, 2021 | Deed of Trust, Mortgage · Line of Credit ALERUS FINANCIAL NA |
| Aug 28, 2020 | Deed of Trust, Mortgage · VA Mortgage SUMMIT MTG CORP |
| Jul 3, 2019 | Deed of Trust, Mortgage · VA Mortgage SUMMIT MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2003 · Amount on File |
| Deed Sale | May 5, 2003 · Amount on File |
| Prior Sale | May 5, 1999 · Amount on File |
| Deed Document Number | 2003311191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1768 ELM ST, WHITE BEAR LAKE, MN 55110-4502 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0A04861001 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | A04861001 |
| Name | ALERUS FINANCIAL NA |
|---|---|
| Type | Bank |
| Address | GRAND FORKS, ND 58201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Dec 18, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1768 ELM ST, WHITE BEAR LAKE, MN 55110-4502 |
| Document Number | 0004833038 |
| Instrument Date | Aug 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2020 |
| Title Company | CITIES TITLE SERVICES LLC, CITIES TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1768 ELM ST WHITE BEAR LAKE MN 551104502, WHITE BEAR LAKE, MN 55110-4502 |
| Document Number | 0004833038 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 4833038 |
| Name | SUMMIT MTG CORP |
|---|---|
| Address | MINNEAPOLIS, MN 55441 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 15, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1768 ELM ST, WHITE BEAR LAKE, MN 55110-4502 |
| Document Number | 0004765885 |
| Instrument Date | Jul 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2019 |
| Title Company | CITIES TITLE SERVICES LLC, CITIES TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1768 ELM ST WHITE BEAR LAKE MN 551104502, WHITE BEAR LAKE, MN 55110-4502 |
| Document Number | 0004765885 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 4765885 |
| Name | SUMMIT MTG CORP |
|---|---|
| Address | PLYMOUTH, MN 55441 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 24, 2049 |
The 2025 property tax bill for 1768 Elm St was $5,374 with a homeowner's exemption.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | White Bear Lake City |
| Unified School District | White Bear Lake School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $385,700 Land $55,900 Building $329,800 | $385,700 Land $55,900 Building $329,800 | |
| 2025 | $5,374.00 | ||
| 2023 | $4,806.00 Homeowner's exemption | $370,800 Land $55,900 Building $314,900 | $370,800 Land $55,900 Building $314,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1768 Elm St 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 1768 Elm St 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 | 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 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 |
| 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.
Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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