Washington County property record for 232 Cedar St, Saint Paul, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,079 sqft · built 1970 |
| Lot Size | 0.159 acres (6,943 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,800 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Jun 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-030-21-24-0066 |
| Primary APN | 30-030-21-24-0066 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,079 sqft Living Area |
| Basement Area | 1,202 sqft |
| Unfinished Basement | 1,202 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Shed Roof |
| Roof Material | Asphalt |
| Lot Area | 6,943 sqft (0.159 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 232 CEDAR ST |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-1808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HELLER'S SUBDIVISION BIRCHWOOD CITY SUBDIVISIONNAME HELLERS SUBD LT 1 BLK 4 LAKEWOOD PARK 2ND DIV LOT 4 SUBDIVISIONCD 25300 |
| Legal Range | 21W |
| Legal Township | 30N |
| Legal Section | 30 |
| Legal Subdivision | HELLERS SUBD LT 1 BLK 4 LAKEWOOD PARK |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | WASHINGTON MN |
| Township / Civil Division | BIRCHWOOD VILLAGE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 70303 |
232 Cedar St is owned and occupied by two individuals who acquired it in August 2023.
Source: Washington County records, as of June 23, 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 File |
|---|---|
| Mailing Address | 232 CEDAR ST, SAINT PAUL, MN 55110-1808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · Line of Credit HIGHLAND BANK |
| Jun 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Aug 11, 2025 | Limited Warranty Deed, Transfer · Commercial Mortgage FIRST STATE BANK & TRUST |
| Aug 10, 2023 | Sheriff's Deed, Foreclosure |
| Dec 18, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2023 |
| Deed Sale | Aug 10, 2023 |
| Deed Document Number | 20234413657 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Recording Date | May 27, 2026 |
| Property Address | 232 CEDAR ST, SAINT PAUL, MN 55110-1808 |
| Document Number | 0004508001 |
| Instrument Date | May 12, 2026 |
| Instrument | 20264508001 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 232 CEDAR ST, SAINT PAUL, MN 55110-1808 |
| Document Number | 0004508001, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 20264508001 |
| Name | HIGHLAND BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 12, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Recording Date | Jun 11, 2026 |
| Property Address | 232 CEDAR ST, SAINT PAUL, MN 55110-1808 |
| Document Number | 0004509641 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 20264509641 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 232 CEDAR ST, SAINT PAUL, MN 55110-1808 |
| Document Number | 0004509641, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 20264509641 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Recording Date | Aug 11, 2025 |
| Property Address | 232 CEDAR ST, WHITE BEAR LAKE, MN 55110-1808 |
| Document Number | 0004478787 |
| Instrument Date | Jul 8, 2025 |
| Instrument | 4478787 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 232 CEDAR ST, WHITE BEAR LAKE, MN 55110-1808 |
| Document Number | 0004478788 |
|---|---|
| Date | Aug 11, 2025 |
| Instrument | 4478788 |
| Name | FIRST STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Jul 8, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Recording Date | Aug 10, 2023 |
| Property Address | 232 CEDAR ST, WHITE BEAR LAKE, MN 55110-1808 |
| Document Number | 0004413657 |
| Instrument Date | Aug 10, 2023 |
| Instrument | 4413657 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10561 TELEGRAPH RD, GLEN ALLEN, VA 23059-4577 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Property Address | 232 CEDAR ST, WHITE BEAR LAKE, MN 55110-1808 |
| Document Number | 0004185169 |
| Instrument Date | Dec 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 234 CEDAR ST ST PAUL MN 551101808, ST PAUL, MN 55110-1808 |
| Document Number | 0004185169 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 4185169 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 19, 2049 |
The 2026 property tax bill for 232 Cedar St was $4,800, up 8.9% from the year before.
Source: Washington County assessment roll, as of June 9, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Birchwood Village City |
| County | Washington County |
| Unified School District | White Bear Lake School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,800.00 (+8.89%) | ||
| 2025 | $4,408.00 Homeowner's exemption | $416,500 (+1.22%) Land $145,000 Building $271,500 | $416,500 (+1.22%) Land $145,000 Building $271,500 |
| 2024 | $411,500 Land $150,000 Building $261,500 | $411,500 Land $150,000 Building $261,500 | |
| 2023 | $5,606.00 | ||
| 2022 | $432,000 Land $174,200 Building $257,800 | $432,000 Land $174,200 Building $257,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Cedar St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 20, 2022
| 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 risk around 232 Cedar St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% 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 | Birchwood serves 864 people · EPA ID MN1820003 |
|---|---|
| Water Source | Purchased groundwater from White Bear Lake |
| 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.
Source: FCC Broadband Data Collection, based on 398 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 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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