Ramsey County property record for 1860 3rd St, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,512 sqft · built 1957 |
| Lot Size | 0.257 acres (11,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (May 2022) |
| Tax Bill | $5,132 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-30-22-32-0036 |
| Primary APN | 14-30-22-32-0036 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 11,200 sqft (0.257 acres) |
| Lot Dimensions | 112 ft deep x 100 ft wide |
| View / Lot | Neighborhood / Spot |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 522897 |
|---|---|
| Street Address | 1860 3RD ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-3171 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WALTERS SUBDIVISION E 1/2 OF LOT 3 AND ALL OF LOTS 1 AND LOT 2 BLK 4 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 14 |
| Legal Subdivision | WALTERS SUBDIVISION |
| Legal Block | 4 |
| Legal Lot Number | 3,1,2 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 40502 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1860 3RD ST, SAINT PAUL, MN 55110-3171 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2021 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| May 18, 2022 | Warranty Deed, Transfer · Commercial Mortgage TCHFH LENDING INC |
| Oct 4, 2017 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2022 · Amount on Record |
| Deed Sale | May 18, 2022 · Amount on Record |
| Prior Sale | May 17, 2022 · Amount on Record |
| Deed Document Number | 20224947424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1860 3RD ST, WHITE BEAR LAKE, MN 55110-3171 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A04919058 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | A04919058 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 18, 2022 |
| Property Address | 1860 3RD ST, WHITE BEAR LAKE, MN 55110-3171 |
| Document Number | 0A04947424 |
| Instrument Date | May 17, 2022 |
| Instrument | A04947424 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1860 3RD ST, WHITE BEAR LAKE, MN 55110-3171 |
| Document Number | 0A04947425 |
|---|---|
| Date | May 18, 2022 |
| Instrument | A04947425 |
| Name | TCHFH LENDING INC |
|---|---|
| Type | Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Number | 0A04947426 |
|---|---|
| Date | May 18, 2022 |
| Instrument | A04947426 |
| Name | KATELYN OVERLUND |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 4, 2017 |
| Property Address | 1860 3RD ST, WHITE BEAR LAKE, MN 55110-3171 |
| Document Number | 0004679551 |
| Instrument Date | Aug 17, 2017 |
| Instrument | 4679551 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2017 |
| Title Company | METRO LEGAL SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $676.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1860 3RD ST WHITE BEAR LAKE MN 551103171, WHITE BEAR LAKE, MN 55110-3171 |
| Document Number | 4679552 |
|---|---|
| Date | Oct 4, 2017 |
| Instrument | 4679552 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 3, 2047 |
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 | $357,300 (+21.65%) Land $85,000 Building $272,300 | $357,300 (+21.65%) Land $85,000 Building $272,300 | |
| 2025 | $5,132.00 (+64.7%) | ||
| 2023 | $3,116.00 Homeowner's exemption | $293,700 Land $85,000 Building $208,700 | $293,700 Land $85,000 Building $208,700 |
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 99.1% of the US · lower than 96% 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: 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 496 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures