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2154 3rd St, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 2154 3rd St, White Bear Lake, MN 55110

Property Summary

Property TypeStore with Apartments
Details21,725 sqft · built 1889
Lot Size0.242 acres (10,542 sqft)
OwnerCompany Name on File
Last Sale$1,500,000 (Jan 2020)
Tax Bill$47,022 (2023)
Deeds & MortgagesOct 2020 Line of Credit
Jan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN14-30-22-41-0104

Property Details

APN / Parcel Number

Primary APN14-30-22-41-0104

Interior

Building Area21,725 sqft Total Area

Exterior

Year BuiltBuilt 1889
Effective Year BuiltEffective 1971
Construction TypeWood Frame
Lot Area10,542 sqft (0.242 acres)

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address2154 3RD ST
CityWHITE BEAR LAKE
StateMN
Zip55110-3233
Property CategoryCommercial
Property TypeCommercial > Retail > Store with Apartments
Local Zoning CodeD
Legal DescriptionWHITE BEAR W 115 FT OF LOT 8 AND N 13 FT OF LOT 9 BLK 60
Legal Range22
Legal Township30
Legal Section14
Legal Quarter4
Quarter-Quarter Section1
Legal SubdivisionWHITE BEAR
Legal Block60
Legal Lot Number8-9
JurisdictionRAMSEY MN
Township / Civil DivisionWHITE BEAR LAKE
Census Block Group2
Census Block2052
Census Tract40200

Owner

2154 3rd St, a commercial property, is owned by a company that bought it in January 2020.

Source: Ramsey County records, as of April 29, 2024

Owner of RecordCompany Name on File
Mailing Address2150 3RD ST, WHITE BEAR LAKE, MN 55110-3271
Owner TypeCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2020Deed of Trust, Mortgage · Line of Credit
LAKE AREA BK
Jan 6, 2020Warranty Deed, Transfer
LAKE AREA BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 6, 2020 · Amount on File
Deed SaleJan 6, 2020 · Amount on File
Deed Document NumberA04791078
Record UpdatedJun 7, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address2154 3RD ST, WHITE BEAR LAKE, MN 55110-3233
Document Number0004844825
Instrument DateOct 15, 2020
Transaction TypeMortgage
Record UpdatedDec 1, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2154 3RD ST WHITE BEAR LAKE MN 551103233, WHITE BEAR LAKE, MN 55110-3233

Mortgage

Document Number0004844825
DateNov 13, 2020
Instrument4844825
Lender
NameLAKE AREA BK
TypeBank
AddressWHITE BEAR LAKE, MN 55110
Agreement
TypeLine of Credit
AmountAmount on Record
Term120 Months
DueNov 12, 2030
Interest
Rate TypeAdjustable Rate

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateJan 6, 2020
Property Address2154 3RD ST, WHITE BEAR LAKE, MN 55110-3233
Document Number0004791078
Instrument DateDec 27, 2019
Instrument4791078
Transaction TypeTransfer
Record UpdatedJan 23, 2020
Title CompanyATTORNEYS TITLE GROUP LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,100.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2150 3RD ST #12 WHITE BEAR LAKE MN 551103267, 12, WHITE BEAR LAKE, MN 55110-3267

Mortgage

Document Number4791079
DateJan 6, 2020
Instrument4791079
Lender
NameLAKE AREA BK
TypeBank
Address1400 HIGHWAY 96 E, WHITE BEAR LAKE, MN 55110-3640
Agreement
AmountAmount on Record
Term120 Months
DueJan 5, 2030

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
MunicipalityWhite Bear Lake City
Unified School DistrictWhite Bear Lake School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$47,022.00$2,029,500 Land $264,400 Building $1,765,100$2,029,500 Land $264,400 Building $1,765,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2154 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 2154 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 RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWhite Bear Lake
serves 25,634 people · EPA ID MN1620024
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 416 locations within half a mile, as of December 31, 2025

ProviderMax 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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