Ramsey County property record for 2170 3rd St, White Bear Lake, MN 55110
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 bd · 5,634 sqft · built 1904 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Company Name on File |
| Last Sale | $375,000 (Nov 2017) |
| Tax Bill | $12,486 (2023) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jun 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-30-22-41-0101 |
| Primary APN | 14-30-22-41-0101 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Building Area | 5,634 sqft Total Area |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Wood Frame |
| Lot Area | 7,492 sqft (0.171 acres) |
| Cooling System | None |
|---|
| Street Address | 2170 3RD ST |
|---|---|
| City | WHITE BEAR LAKE |
| State | MN |
| Zip | 55110-3233 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | D |
| Legal Description | WHITE BEAR LOT 6 BLK 60 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 14 |
| Legal Quarter | 4 |
| Quarter-Quarter Section | 1 |
| Legal Subdivision | WHITE BEAR |
| Legal Block | 60 |
| Legal Lot Number | 6 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 40200 |
2170 3rd St, a commercial property, is owned by a company that bought it in November 2017.
Source: Ramsey County records, as of April 29, 2024
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2150 3RD ST, SAINT PAUL, MN 55110-3271 |
| Owner Type | Company |
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 |
|---|---|
| Jun 22, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS NATIONAL BANK |
| Jun 11, 2018 | Deed of Trust, Mortgage MIDCOUNTRY BK |
| Nov 9, 2017 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BK MIDWEST |
| Jul 19, 2017 | Deed of Trust, Mortgage PREMIER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2017 · Amount on File |
| Deed Sale | Nov 9, 2017 · Amount on File |
| Deed Document Number | A04685590 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2170 3RD ST, WHITE BEAR LAKE, MN 55110-3233 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0A04891452 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | A04891452 |
| Name | FIRST FARMERS & MERCHANTS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 10, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2170 3RD ST, WHITE BEAR LAKE, MN 55110-3233 |
| Document Number | 0004713634 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2170 3RD ST WHITE BEAR LAKE MN 551103233, WHITE BEAR LAKE, MN 55110-3233 |
| Document Number | 0004713634 |
|---|---|
| Date | Jun 14, 2018 |
| Instrument | 4713634 |
| Name | MIDCOUNTRY BK |
|---|---|
| Type | Bank |
| Address | WHITE BEAR LAKE, MN 55110 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Jun 13, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Nov 9, 2017 |
| Property Address | 2170 3RD ST, WHITE BEAR LAKE, MN 55110-3233 |
| Document Number | 0004685590 |
| Instrument Date | Nov 2, 2017 |
| Instrument | 4685590 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2017 |
| Title Company | ATTORNEYS TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,275.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7029 20TH AVE CENTERVILLE MN 550389737, CENTERVILLE, MN 55038-9737 |
| Document Number | 4685591 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 4685591 |
| Name | PEOPLES BK MIDWEST |
|---|---|
| Type | Bank |
| Address | VADNAIS HEIGHTS, MN 55110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2170 3RD ST, WHITE BEAR LAKE, MN 55110-3233 |
| Document Number | 0004675170 |
| Instrument Date | Jul 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2170-2176 3RD ST WHITE BEAR LAKE MN 551103233, WHITE BEAR LAKE, MN 55110-3233 |
| Document Number | 0004675170 |
|---|---|
| Date | Sep 6, 2017 |
| Instrument | 4675170 |
| Name | PREMIER BK |
|---|---|
| Type | Bank |
| Address | MAPLEWOOD, MN 55109 |
| Amount | Amount on Record |
|---|
Source: Ramsey County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $12,486.00 | $611,100 (+16.87%) Land $187,500 Building $423,600 | $611,100 (+16.87%) Land $187,500 Building $423,600 |
| 2022 | $522,900 Land $187,500 Building $335,400 | $522,900 Land $187,500 Building $335,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2170 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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.
The area around 2170 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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