Ramsey County property record for 2344 Cowern Pl E, Saint Paul, MN 55109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,107 sqft · built 1954 |
| Lot Size | 0.171 acres (7,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,000 (Jun 2026) |
| Tax Bill | $4,744 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-29-22-23-0134 |
| Primary APN | 13-29-22-23-0134 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,107 sqft Living Area |
| 1st Floor Area | 1,107 sqft |
| Basement Area | 550 sqft |
| Finished Basement | 550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,425 sqft (0.171 acres) |
| Lot Dimensions | 135 ft deep x 55 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 476375 |
|---|---|
| Street Address | 2344 COWERN PL E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55109-4018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY CLUB HEIGHTS LOT 6 BLK 12 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 13 |
| Legal Subdivision | COUNTRY CLUB HEIGHTS |
| Legal Block | 12 |
| Legal Lot Number | 6 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH ST. PAUL |
| Census Block Group | 5 |
| Census Block | 5011 |
| Census Tract | 42700 |
2344 Cowern Pl E is owned by an individual who bought it in June 2026.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2012 GRAND AVE S, MINNEAPOLIS, MN 55405-3402 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORPORATION |
| Nov 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on File |
| Deed Sale | Jun 22, 2026 · Amount on File |
| Prior Sale | Jan 10, 2013 · Amount on File |
| Deed Document Number | 20265110651 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 22, 2026 |
| Property Address | 2344 COWERN PL E, SAINT PAUL, MN 55109-4018 |
| Document Number | 0005110651 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20265110651 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | TITLESMART |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116,412.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2012 GRAND AVE S, MINNEAPOLIS, MN 55405-3402 |
| Document Number | 0005110652, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 20265110652 |
| Name | SUMMIT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2344 COWERN PL E, NORTH ST PAUL, MN 55109-4018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0A04918619 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | A04918619 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 2344 Cowern Pl E was $4,744, up 5.2% from the year before.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | North St. Paul City |
| Unified School District | North St. Paul-Maplewood-Oakdale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $333,700 (-3.58%) Land $42,600 Building $291,100 | $333,700 (-3.58%) Land $42,600 Building $291,100 | |
| 2025 | $4,744.00 (+5.24%) Homeowner's exemption | $346,100 Land $42,600 Building $303,500 | $346,100 Land $42,600 Building $303,500 |
| 2024 | $4,508.00 (+9.79%) | ||
| 2023 | $4,106.00 Homeowner's exemption | $322,500 Land $42,600 Building $279,900 | $322,500 Land $42,600 Building $279,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2344 Cowern Pl E in Zone X, an area of minimal flood risk.
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.
The area around 2344 Cowern Pl E 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | North Saint Paul serves 13,134 people · EPA ID MN1620011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| 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 594 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 |
| AT&T Fixed Wireless | 100 / 20 |
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