Ramsey County property record for 1824 Eugene St, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 954 sqft · built 1981 |
| Lot Size | 0.187 acres (8,128 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Feb 2016) |
| Tax Bill | $4,274 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-30-22-33-0105 |
| Primary APN | 14-30-22-33-0105 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 954 sqft Living Area |
| 1st Floor Area | 954 sqft |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Game Room | Game Room |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,128 sqft (0.187 acres) |
| Lot Dimensions | 127 ft deep x 64 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 206874 |
|---|---|
| Street Address | 1824 EUGENE ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-3342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RAMALEYS PARK, WHITE BEAR,LAK W 14 FT OF LOT 2 & ALL OF LOT 3 BLK 16 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 14 |
| Legal Subdivision | RAMALEYS PARK, WHITE BEAR,LAK |
| Legal Block | 16 |
| Legal Lot Number | 2,3 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 40504 |
Source: Ramsey County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1824 EUGENE ST, SAINT PAUL, MN 55110-3342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2025 | Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP |
| Apr 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CITY & COUNTY CU |
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST OPTION MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2016 · Amount on Record |
| Deed Sale | Feb 19, 2016 · Amount on Record |
| Prior Sale | Feb 15, 2015 · Amount on Record |
| Deed Document Number | 20162551913 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1824 EUGENE ST, WHITE BEAR LAKE, MN 55110-3342 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1824 EUGENE ST, WHITE BEAR LAKE, MN 55110-3342 |
| Document Number | 0A05084273 |
|---|---|
| Date | Oct 28, 2025 |
| Instrument | A05084273 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1824 EUGENE ST, WHITE BEAR LAKE, MN 55110-3342 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0T02752592 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | T02752592 |
| Name | CITY & COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55101 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 17, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1824 EUGENE ST, WHITE BEAR LAKE, MN 55110-3342 |
| Document Number | 0002674548 |
| Instrument Date | Sep 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1824 EUGENE ST WHITE BEAR LAKE MN 551103342, WHITE BEAR LAKE, MN 55110-3342 |
| Document Number | 0002674548 |
|---|---|
| Date | Sep 9, 2020 |
| Instrument | 2674548 |
| Name | FIRST OPTION MTG |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30339-3024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 8, 2050 |
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 | $324,000 (+7.86%) Land $66,800 Building $257,200 | $324,000 (+7.86%) Land $66,800 Building $257,200 | |
| 2025 | $4,274.00 (+16.27%) | ||
| 2023 | $3,676.00 Homeowner's exemption | $300,400 Land $66,800 Building $233,600 | $300,400 Land $66,800 Building $233,600 |
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 93% of the US · lower than 78% 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 212 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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