Ramsey County property record for 1956 Spruce Pl, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,192 sqft · built 1954 |
| Lot Size | 0.523 acres (22,795 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,917 (Aug 2023) |
| Tax Bill | $4,374 (2024) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage May 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-30-22-34-0043 |
| Primary APN | 26-30-22-34-0043 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,192 sqft Living Area |
| 1st Floor Area | 1,192 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Game Room | Game Room |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Lot Area | 22,795 sqft (0.523 acres) |
| Lot Dimensions | 235 ft deep x 97 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8335589 |
|---|---|
| Street Address | 1956 SPRUCE PL |
| City | WHITE BEAR LAKE |
| State | MN |
| Zip | 55110-7302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTONS RICHFIELD ACRES,,RAMS LOT 16 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 26 |
| Legal Subdivision | NORTONS RICHFIELD ACRES,,RAMS |
| Legal Lot Number | 16 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 40401 |
Source: Ramsey County records, as of July 28, 2025
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 | 1956 SPRUCE PL, SAINT PAUL, MN 55110-7302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Aug 4, 2023 | Deed, Transfer · FHA Mortgage CMG MORTGAGE INC |
| May 24, 2018 | Warranty Deed, Transfer PACIFIC PRIVATE MONEY FUND I LLC |
| Apr 16, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2023 · Amount on Record |
| Deed Sale | Aug 4, 2023 · Amount on Record |
| Prior Sale | Jul 27, 2023 · Amount on Record |
| Deed Document Number | 20232758749 |
| Prior Transfer Date | May 1, 2015 |
| Prior Transfer Doc | 0T02539858 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Aug 4, 2023 |
| Property Address | 1956 SPRUCE PL, WHITE BEAR LAKE, MN 55110-7302 |
| Document Number | 0T02758749 |
| Instrument Date | Jul 20, 2023 |
| Instrument | T02758749 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | ANCONA TITLE, ANCONA TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $811.53 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1956 SPRUCE PL, WHITE BEAR LAKE, MN 55110-7302 |
| Document Number | 0T02758750 |
|---|---|
| Date | Aug 4, 2023 |
| Instrument | T02758750 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 24, 2018 |
| Property Address | 1956 SPRUCE PL, WHITE BEAR LAKE, MN 55110-7302 |
| Document Number | 0002614668 |
| Instrument Date | May 14, 2018 |
| Instrument | 2614668 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | PARTNERS TITLE COMPANY, PARTNERS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $575.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1956 SPRUCE PL WHITE BEAR LAKE MN 551107302, WHITE BEAR LAKE, MN 55110-7302 |
| Document Number | 2614669 |
|---|---|
| Date | May 24, 2018 |
| Instrument | 2614669 |
| Name | PACIFIC PRIVATE MONEY FUND I LLC |
|---|---|
| Type | Bank |
| Address | NOVATO, CA 94945-2212 |
| Amount | Amount Recorded |
|---|---|
| Term | 24 Months |
| Due | May 23, 2020 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Apr 16, 2018 |
| Property Address | 1956 SPRUCE PL, WHITE BEAR LAKE, MN 55110-7302 |
| Document Number | 0002612177 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 2612177 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $571.20 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 4801 FREDERICA ST OWENSBORO KY 423017441, OWENSBORO, KY 42301-7441 |
| Investor | Possibly a Property Investor |
Source: Ramsey County assessment roll, as of July 28, 2025
| 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 |
|---|---|---|---|
| 2025 | $339,400 (+12.53%) Land $104,300 Building $235,100 | $339,400 (+12.53%) Land $104,300 Building $235,100 | |
| 2024 | $4,374.00 (-17.13%) | ||
| 2023 | $5,278.00 | $301,600 Land $104,300 Building $197,300 | $301,600 Land $104,300 Building $197,300 |
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 339 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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