2240 3rd St, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 2240 3rd St, White Bear Lake, MN 55110

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 3,532 sqft · built 2017
Lot Size	0.214 acres (9,365 sqft)
Owner	Trust Name on File
Last Sale	$330,000 (Nov 2017)
Tax Bill	$10,364 (2023)
Deeds & Mortgages	Sep 2020 Mortgage May 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-30-22-41-0086`

Property Details

APN / Parcel Number

Primary APN	`14-30-22-41-0086`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,532 sqft Living Area
1st Floor Area	1,276 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2019
Architectural Style	Bungalow
Exterior Material	Concrete
Construction Type	Concrete
Lot Area	9,365 sqft (0.214 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	750 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2240 3RD ST
City	WHITE BEAR LAKE
State	MN
Zip	55110-3209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	WHITE BEAR N 1/2 OF W 5O FT OF LOT 3 AND N 1/2 OF LOT 4 BLK 58
Legal Range	22
Legal Township	30
Legal Section	14
Legal Quarter	4
Quarter-Quarter Section	1
Legal Subdivision	WHITE BEAR
Legal Block	58
Legal Lot Number	3-4
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR LAKE
Census Block Group	2
Census Block	2010
Census Tract	40200

Owner

2240 3rd St is held in a trust since November 2017.

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

Owner of Record	Trust Name on File
Mailing Address	2240 3RD ST, SAINT PAUL, MN 55110-3209
Owner Type	Individual
Vesting	Trust

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

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage THINK MUTUAL BK
May 28, 2019	Loan Modification, Mortgage THINK MUTUAL BK
Oct 26, 2018	Deed of Trust, Mortgage THINK MUTUAL BK
Nov 9, 2017	Warranty Deed, Transfer EDINA REALTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2017 · Amount on File
Deed Sale	Nov 7, 2017 · Amount on File
Prior Sale	Mar 12, 2013 · Amount on File
Deed Document Number	0004685567
Last Transfer Date	Nov 9, 2017
Transfer Doc	0004685567
Record Updated	Jun 7, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2240 3RD ST, WHITE BEAR LAKE, MN 55110-3209
Document Number	0004837532
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	TITLESMART

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2240 3RD ST WHITE BEAR LAKE MN 551103209, WHITE BEAR LAKE, MN 55110-3209

Mortgage

Document Number	0004837532
Date	Oct 13, 2020
Instrument	4837532

Lender

Name	THINK MUTUAL BK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Amount	Amount on Record
Term	120 Months
Due	Oct 12, 2030

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	2240 3RD ST, WHITE BEAR LAKE, MN 55110-3209
Document Number	0004760986
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	TITLE SMART INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2240 3RD ST WHITE BEAR LAKE MN 551103209, WHITE BEAR LAKE, MN 55110-3209

Mortgage

Document Number	0004760986
Date	Jun 21, 2019
Instrument	4760986

Lender

Name	THINK MUTUAL BK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 20, 2034

Interest

Rate Type	Fixed Rate
Rate	3.5%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2240 3RD ST, WHITE BEAR LAKE, MN 55110-3209
Document Number	0004735384
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 3, 2018
Title Company	TITLESMART

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2240 3RD ST WHITE BEAR LAKE MN 551103209, WHITE BEAR LAKE, MN 55110-3209

Mortgage

Document Number	0004735384
Date	Nov 16, 2018
Instrument	4735384

Lender

Name	THINK MUTUAL BK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 9, 2017
Property Address	2240 3RD ST, WHITE BEAR LAKE, MN 55110-3209
Document Number	0004685567
Instrument Date	Nov 7, 2017
Instrument	4685567
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Tax	$1,122.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	13 BAYHILL RD DELLWOOD MN 551106178, DELLWOOD, MN 55110-6178

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	White Bear Lake City
Unified School District	White Bear Lake School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$10,364.00	$783,700 Land $141,900 Building $641,800	$783,700 Land $141,900 Building $641,800

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

Flood

FEMA maps place 2240 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Wildfire

The area around 2240 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.

Drinking Water

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

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. 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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