Ramsey County property record for 2109 3rd St, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,308 sqft · built 1884 |
| Lot Size | 0.255 acres (11,118 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $201,939 (Aug 2015) |
| Tax Bill | $4,544 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-30-22-42-0050 |
| Primary APN | 14-30-22-42-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,308 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,118 sqft (0.255 acres) |
| Lot Dimensions | 102 ft deep x 109 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 67857 |
|---|---|
| Street Address | 2109 3RD ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-3239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MURRAYS ADDITION TO,WHITE BEA PART OF LOTS 9 1O AND 11 E OF A L ...FT FROM NE COR OF LOT 11 BLK 7 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 14 |
| Legal Subdivision | MURRAYS ADDITION TO,WHITE BEA |
| Legal Block | 7 |
| Legal Lot Number | 9,1 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 40502 |
2109 3rd St is owned and occupied by two individuals who bought it in August 2015.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2109 3RD ST, SAINT PAUL, MN 55110-3239 |
| 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 |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2015 · Amount on File |
| Deed Sale | Aug 14, 2015 · Amount on File |
| Prior Sale | Aug 18, 2009 · Amount on File |
| Deed Document Number | 20154570303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2109 3RD ST, WHITE BEAR LAKE, MN 55110-3239 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2109 3RD ST, WHITE BEAR LAKE, MN 55110-3239 |
| Investor | Possibly a Property Investor |
| Document Number | 0A05081163 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | A05081163 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 5.87% |
| Index | 1-Year CMT |
| Max Rate | 5.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2109 3RD ST, WHITE BEAR LAKE, MN 55110-3239 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0A04894753 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | A04894753 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 290 Months |
| Due | Sep 1, 2045 |
The 2025 property tax bill for 2109 3rd St was $4,544 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 | $336,800 Land $86,400 Building $250,400 | $336,800 Land $86,400 Building $250,400 | |
| 2025 | $4,544.00 | ||
| 2023 | $3,840.00 Homeowner's exemption | $306,500 Land $86,400 Building $220,100 | $306,500 Land $86,400 Building $220,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2109 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.
The area around 2109 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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