2238 Cowern Pl E, Saint Paul, MN 55109 Property Records

Ramsey County property record for 2238 Cowern Pl E, Saint Paul, MN 55109

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,126 sqft · built 1971
Lot Size	0.197 acres (8,576 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jun 2023)
Tax Bill	$4,644 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-29-22-14-0062`

Property Details

APN / Parcel Number

Primary APN	`14-29-22-14-0062`
Alternative APNs	`8022846` `37107`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,126 sqft Living Area
1st Floor Area	1,126 sqft
Basement Area	350 sqft
Finished Basement	350 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Combination
Construction Type	Wood
Lot Area	8,576 sqft (0.197 acres)
Lot Dimensions	134 ft deep x 64 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	37107
Street Address	2238 COWERN PL E
City	SAINT PAUL
State	MN
Zip	55109-3918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUDIMS MECCA PARK N 1/2 OF VAC ALLEY ADJ AND LOT 4 BLK 1
Legal Range	22
Legal Township	29
Legal Section	14
Legal Subdivision	GUDIMS MECCA PARK
Legal Block	1
Legal Lot Number	4
Jurisdiction	RAMSEY MN
Township / Civil Division	NORTH ST. PAUL
Census Block Group	1
Census Block	1005
Census Tract	42700

Owner

Source: Ramsey County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2238 COWERN PL E, SAINT PAUL, MN 55109-3918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jan 6, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 28, 2019	Warranty Deed, Transfer · Conventional with PMI LAKE AREA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	Jan 6, 2022 · Amount on Record
Deed Document Number	20234990519
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 5, 2023
Property Address	2238 COWERN PL E, NORTH ST PAUL, MN 55109-3918
Document Number	0A04990519
Instrument Date	May 10, 2023
Instrument	A04990519
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2238 COWERN PL E, SAINT PAUL, MN 55109-3918

Mortgage

Document Number	0A04990520
Date	Jun 5, 2023
Instrument	A04990520

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 6, 2022
Property Address	2238 COWERN PL E, NORTH ST PAUL, MN 55109-3918
Document Number	0A04927965
Instrument Date	Dec 27, 2021
Instrument	A04927965
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	EXCLUSIVE TITLE SERVICES, EXECUTIVE TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2238 COWERN PL E, NORTH SAINT PAUL, MN 55109-3918

Mortgage

Document Number	0A04927966
Date	Jan 6, 2022
Instrument	A04927966

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 28, 2019
Property Address	2238 COWERN PL E, NORTH ST PAUL, MN 55109-3918
Document Number	0004762639
Instrument Date	Jun 25, 2019
Instrument	4762639
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	TITLESMART

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$958.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2238 COWERN PL E NORTH ST PAUL MN 551093918, NORTH ST PAUL, MN 55109-3918

Mortgage

Document Number	4762640
Date	Jun 28, 2019
Instrument	4762640

Lender

Name	LAKE AREA MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

Mortgage

Document Number	4762641,
Date	Jun 28, 2019
Instrument	4762641

Lender

Name	LAKE AREA MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of August 7, 2026

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
2026		$340,600 (-4.25%) Land $46,400 Building $294,200	$340,600 (-4.25%) Land $46,400 Building $294,200
2025	$4,644.00 (+5.16%) Homeowner's exemption	$355,700 (+10.47%) Land $46,400 Building $309,300	$355,700 (+10.47%) Land $46,400 Building $309,300
2023	$4,416.00 Homeowner's exemption	$322,000 Land $46,400 Building $275,600	$322,000 Land $46,400 Building $275,600

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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