Ramsey County property record for 2044 3rd St, Saint Paul, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 860 sqft · built 1890 |
| Lot Size | 0.129 acres (5,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Jul 2023) |
| Tax Bill | $4,000 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jan 2022 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-30-22-42-0056 |
| Primary APN | 14-30-22-42-0056 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 860 sqft Living Area |
| 1st Floor Area | 750 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,625 sqft (0.129 acres) |
| Lot Dimensions | 75 ft deep x 75 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 415339 |
|---|---|
| Street Address | 2044 3RD ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-3240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MURRAYS ADDITION TO,WHITE BEA N 75 FT OF LOT 4 BLK 9 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 14 |
| Legal Subdivision | MURRAYS ADDITION TO,WHITE BEA |
| Legal Block | 9 |
| Legal Lot Number | 4 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 40502 |
2044 3rd St is owned and occupied by an individual who bought it in July 2023.
Source: Ramsey County records, as of April 28, 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 | Individual Name on File |
|---|---|
| Mailing Address | 2044 3RD ST, SAINT PAUL, MN 55110-3240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2023 | Warranty Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC |
| Jan 31, 2022 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2023 · Amount on File |
| Deed Sale | Jul 19, 2023 · Amount on File |
| Prior Sale | Feb 3, 2023 · Amount on File |
| Deed Document Number | 20234995189 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jul 19, 2023 |
| Property Address | 2044 3RD ST, WHITE BEAR LAKE, MN 55110-3240 |
| Document Number | 0A04995189 |
| Instrument Date | Jun 26, 2023 |
| Instrument | A04995189 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | TITLESMART INC |
| Amount | Amount on Record |
|---|---|
| Tax | $973.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2044 3RD ST, WHITE BEAR LAKE, MN 55110-3240 |
| Document Number | 0A04995190 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | A04995190 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Number | 0A04995191 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | A04995191 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jan 31, 2022 |
| Property Address | 2044 3RD ST, WHITE BEAR LAKE, MN 55110-3240 |
| Document Number | 0A04931820 |
| Instrument Date | Nov 12, 2021 |
| Instrument | A04931820 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620 |
The 2025 property tax bill for 2044 3rd St was $4,000 with a homeowner's exemption.
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 | $4,000.00 Homeowner's exemption | $299,300 Land $58,400 Building $240,900 | $299,300 Land $58,400 Building $240,900 |
| 2023 | $3,084.00 Homeowner's exemption | $267,300 Land $58,400 Building $208,900 | $267,300 Land $58,400 Building $208,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2044 3rd 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 2044 3rd 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 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.
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 416 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 |
| AT&T Fixed Wireless | 100 / 20 |
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