2281 Birch St, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 2281 Birch St, White Bear Lake, MN 55110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,128 sqft · built 1960
Lot Size	0.23 acres (10,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,272 (Mar 2018)
Tax Bill	$4,230 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-30-22-23-0011`

Property Details

APN / Parcel Number

Primary APN	`25-30-22-23-0011`
Alternative APNs	`8498380` `8514183`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Stucco
Roof Type	Shed Roof
Lot Area	10,010 sqft (0.23 acres)
Lot Dimensions	130 ft deep x 77 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8514183
Street Address	2281 BIRCH ST
City	SAINT PAUL
State	MN
Zip	55110-4418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEAIRES NO. 5 LOT 15 BLK 18
Legal Range	22
Legal Township	30
Legal Section	25
Legal Subdivision	LAKEAIRES NO. 5
Legal Block	18
Legal Lot Number	15
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR LAKE
Census Block Group	2
Census Block	2007
Census Tract	40302

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2281 BIRCH ST, SAINT PAUL, MN 55110-4418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 9, 2018	Warranty Deed, Transfer · Conventional with PMI SUMMIT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2018 · Amount on Record
Deed Sale	Mar 9, 2018 · Amount on Record
Prior Sale	May 20, 2011 · Amount on Record
Deed Document Number	20184701216
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2281 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04905134
Date	Sep 1, 2021
Instrument	A04905134

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 9, 2018
Property Address	2281 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418
Document Number	0004701216
Instrument Date	Mar 7, 2018
Instrument	4701216
Transaction Type	Transfer
Record Updated	Mar 16, 2018
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$816.00
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	2281 BIRCH ST WHITE BEAR LAKE MN 551104418, WHITE BEAR LAKE, MN 55110-4418

Mortgage

Document Number	4701217
Date	Mar 9, 2018
Instrument	4701217

Lender

Name	SUMMIT MTG
Type	Mortgage Company
Address	PLYMOUTH, MN 55441

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2048

Tax Assessment & Valuation

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

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
2026		$333,700 (+13.66%) Land $77,300 Building $256,400	$333,700 (+13.66%) Land $77,300 Building $256,400
2025	$4,230.00 (+9.19%)
2023	$3,874.00 Homeowner's exemption	$293,600 Land $77,300 Building $216,300	$293,600 Land $77,300 Building $216,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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