2182 Cowern Pl E, Saint Paul, MN 55109 Property Records

Ramsey County property record for 2182 Cowern Pl E, Saint Paul, MN 55109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,499 sqft · built 1970
Lot Size	0.212 acres (9,246 sqft)
Owner	Individual Name on Record
Last Sale	$332,000 (Feb 2023)
Tax Bill	$4,210 (2024)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-29-22-14-0045`

Property Details

APN / Parcel Number

Primary APN	`14-29-22-14-0045`
Alternative APNs	`8023137` `547630`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,499 sqft Living Area
1st Floor Area	1,130 sqft
Basement Area	369 sqft
Finished Basement	369 sqft
Family Room	Family Room

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,246 sqft (0.212 acres)
Lot Dimensions	134 ft deep x 69 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	547630
Street Address	2182 COWERN PL E
City	SAINT PAUL
State	MN
Zip	55109-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUDIMS MECCA PARK N 1/2 OF VAC ALLEY ADJ AND LOT 3 BLK 2
Legal Range	22
Legal Township	29
Legal Section	14
Legal Subdivision	GUDIMS MECCA PARK
Legal Block	2
Legal Lot Number	3
Jurisdiction	RAMSEY MN
Township / Civil Division	NORTH ST. PAUL
Census Block Group	1
Census Block	1004
Census Tract	42700

Owner

Source: Ramsey County records, as of April 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2182 COWERN PL E, SAINT PAUL, MN 55109-3917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Warranty Deed, Transfer · FHA Mortgage GOLDWATER BANK NA
Jun 30, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Aug 25, 2017	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2023 · Amount on Record
Deed Sale	Feb 27, 2023 · Amount on Record
Prior Sale	Jun 30, 2022 · Amount on Record
Deed Document Number	20234981121
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 27, 2023
Property Address	2182 COWERN PL E, NORTH ST PAUL, MN 55109-3917
Document Number	0A04981121
Instrument Date	Feb 15, 2023
Instrument	A04981121
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2182 COWERN PL E, NORTH ST PAUL, MN 55109-3917

Mortgage

Document Number	0A04981122
Date	Feb 27, 2023
Instrument	A04981122

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 30, 2022
Property Address	2182 COWERN PL E, NORTH ST PAUL, MN 55109-3917
Document Number	0A04953685
Instrument Date	Jun 15, 2022
Instrument	A04953685
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,115.07
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 25, 2017
Property Address	2182 COWERN PL E, NORTH ST PAUL, MN 55109-3917
Document Number	0004673643
Instrument Date	Aug 11, 2017
Instrument	4673643
Transaction Type	Transfer
Record Updated	Sep 14, 2017
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$748.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2182 COWEM PLACE E N ST PAUL MN 55109, ST PAUL, MN 55109

Mortgage

Document Number	4673644
Date	Aug 25, 2017
Instrument	4673644

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2047

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of July 28, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	North St. Paul City
Unified School District	North St. Paul-Maplewood-Oakdale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$322,000 (+6.2%) Land $48,500 Building $273,500	$322,000 (+6.2%) Land $48,500 Building $273,500
2024	$4,210.00 (-0.61%)
2023	$4,236.00 Homeowner's exemption	$303,200 Land $48,500 Building $254,700	$303,200 Land $48,500 Building $254,700

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

Flood

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	1 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

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	Direct burnable vegetation

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 System	North Saint Paul serves 13,134 people · EPA ID MN1620011
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	Saint Paul Regional Water Services
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 355 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 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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