Ramsey County property record for 2317 Emerald Dr, Saint Paul, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 1962 |
| Lot Size | 0.22 acres (9,570 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $431,000 (Jun 2026) |
| Tax Bill | $4,866 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-30-22-23-0096 |
| Primary APN | 36-30-22-23-0096 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| 1st Floor Area | 1,444 sqft |
| Basement Area | 350 sqft |
| Finished Basement | 350 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,570 sqft (0.22 acres) |
| Lot Dimensions | 110 ft deep x 87 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 200933 |
|---|---|
| Street Address | 2317 EMERALD DR |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-5556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOLF VIEW HEIGHTS NO. 2 LOT 16 BLK 9 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 36 |
| Legal Subdivision | GOLF VIEW HEIGHTS NO. 2 |
| Legal Block | 9 |
| Legal Lot Number | 16 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 40402 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2317 EMERALD DR, SAINT PAUL, MN 55110-5556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 23, 2026 | Warranty Deed, Transfer · FHA Mortgage SWBC MORTGAGE CORPORATION |
| Mar 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 10, 2022 | Transfer on Death Deed, Transfer |
| Sep 18, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2026 · Amount on Record |
| Deed Sale | Jun 23, 2026 · Amount on Record |
| Prior Sale | Mar 25, 1999 · Amount on Record |
| Deed Document Number | 20262818299 |
| Prior Transfer Date | May 5, 2022 |
| Prior Transfer Doc | 0004946434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 23, 2026 |
| Property Address | 2317 EMERALD DR, SAINT PAUL, MN 55110-5556 |
| Document Number | 0002818299 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20262818299 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | WATERMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $148,005.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2317 EMERALD DR, SAINT PAUL, MN 55110-5556 |
| Document Number | 0002818300, |
|---|---|
| Date | Jun 23, 2026 |
| Instrument | 20262818300 |
| Name | SWBC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2317 EMERALD DR, WHITE BEAR LAKE, MN 55110-5556 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0T02727612 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | T02727612 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2042 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 10, 2022 |
| Property Address | 2317 EMERALD DR, WHITE BEAR LAKE, MN 55110-5556 |
| Document Number | 0A04946434 |
| Instrument Date | May 5, 2022 |
| Instrument | A04946434 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2317 EMERALD DR, WHITE BEAR LAKE, MN 55110-5556 |
| Document Number | 0002650291 |
| Instrument Date | Sep 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2317 EMERALD DR WHITE BEAR LAKE MN 551105556, WHITE BEAR LAKE, MN 55110-5556 |
| Document Number | 0002650291 |
|---|---|
| Date | Oct 15, 2019 |
| Instrument | 2650291 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | White Bear Lake City |
| Unified School District | White Bear Lake School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $354,700 (+0.42%) Land $78,500 Building $276,200 | $354,700 (+0.42%) Land $78,500 Building $276,200 | |
| 2025 | $4,866.00 (+9.45%) Homeowner's exemption | $353,200 (+7.32%) Land $78,500 Building $274,700 | $353,200 (+7.32%) Land $78,500 Building $274,700 |
| 2024 | $4,446.00 (+8.23%) | ||
| 2023 | $4,108.00 Homeowner's exemption | $329,100 Land $78,500 Building $250,600 | $329,100 Land $78,500 Building $250,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 389 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
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