2295 Birch St, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 2295 Birch St, White Bear Lake, MN 55110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,256 sqft · built 1960
Lot Size	0.228 acres (9,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,500 (Sep 2019)
Tax Bill	$3,876 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-30-22-23-0013`

Property Details

APN / Parcel Number

Primary APN	`25-30-22-23-0013`
Alternative APNs	`8193179` `222375`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,256 sqft Living Area
1st Floor Area	1,256 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Game Room	Game Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Frame/Wood
Construction Type	Wood
Roof Type	Shed Roof
Lot Area	9,916 sqft (0.228 acres)
Lot Dimensions	134 ft deep x 74 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	222375
Street Address	2295 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 17 BLK 18
Legal Range	22
Legal Township	30
Legal Section	25
Legal Subdivision	LAKEAIRES NO. 5
Legal Block	18
Legal Lot Number	17
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 October 20, 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	2295 BIRCH ST, SAINT PAUL, MN 55110-4418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Jun 4, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Sep 5, 2019	Affidavit of Death, Transfer MIDLAND TITLE
Sep 5, 2019	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Deed Document Number	20194772285
Prior Transfer Date	Aug 29, 2019
Prior Transfer Doc	0004772281
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	Oct 5, 2026
Property Address	2295 BIRCH ST, SAINT PAUL, MN 55110-4418
Document Number	0005123376
Instrument Date	Sep 11, 2026
Instrument	20265123376
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2295 BIRCH ST, SAINT PAUL, MN 55110-4418

Mortgage

Document Number	0005123376,
Date	Oct 5, 2026
Instrument	20265123376

Lender

Name	OLD NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2295 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418
Document Number	0004818262
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2295 BIRCH ST WHITE BEAR LAKE MN 551104418, WHITE BEAR LAKE, MN 55110-4418

Mortgage

Document Number	0004818262
Date	Jun 24, 2020
Instrument	4818262

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

September 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	RAMSEY MN
Recording Date	Sep 5, 2019
Property Address	2295 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418
Document Number	0004772281
Instrument Date	Aug 29, 2019
Instrument	4772281
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	MIDLAND TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2295 BIRCH ST WHITE BEAR LAKE MN 551104418, WHITE BEAR LAKE, MN 55110-4418

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 5, 2019
Property Address	2295 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418
Document Number	0004772285
Instrument Date	Aug 29, 2019
Instrument	4772285
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	MIDLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$909.50
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	2295 BIRCH ST WHITE BEAR LAKE MN 551104418, WHITE BEAR LAKE, MN 55110-4418

Mortgage

Document Number	4772286
Date	Sep 5, 2019
Instrument	4772286

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

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		$324,000 (+12.85%) Land $76,200 Building $247,800	$324,000 (+12.85%) Land $76,200 Building $247,800
2025	$3,876.00 (+3.69%)
2023	$3,738.00 Homeowner's exemption	$287,100 Land $76,200 Building $210,900	$287,100 Land $76,200 Building $210,900

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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