Ramsey County property record for 2345 Birch St, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1959 |
| Lot Size | 0.27 acres (11,770 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Jun 2022) |
| Tax Bill | $4,620 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-23-0020 |
| Primary APN | 25-30-22-23-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 675 sqft |
| Finished Basement | 675 sqft |
| Family Room | Family Room |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 11,770 sqft (0.27 acres) |
| Lot Dimensions | 107 ft deep x 110 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 568976 |
|---|---|
| Street Address | 2345 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 24 BLK 18 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Subdivision | LAKEAIRES NO. 5 |
| Legal Block | 18 |
| Legal Lot Number | 24 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 40302 |
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 | 2345 BIRCH ST, SAINT PAUL, MN 55110-4418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 8, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2022 · Amount on Record |
| Deed Sale | Jun 17, 2022 · Amount on Record |
| Prior Sale | Jun 16, 2022 · Amount on Record |
| Deed Document Number | 20224951659 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 17, 2022 |
| Property Address | 2345 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418 |
| Document Number | 0A04951659 |
| Instrument Date | Jun 16, 2022 |
| Instrument | A04951659 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2022 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,204.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2345 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418 |
| Document Number | 0A04951660 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | A04951660 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2345 BIRCH ST, WHITE BEAR LAKE, MN 55110-4418 |
| Document Number | 0004781613 |
| Instrument Date | Oct 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2345 BIRCH ST WHITE BEAR LAKE MN 551104418, WHITE BEAR LAKE, MN 55110-4418 |
| Document Number | 0004781613 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 4781613 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 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 | $367,600 (+10.32%) Land $91,000 Building $276,600 | $367,600 (+10.32%) Land $91,000 Building $276,600 | |
| 2025 | $4,620.00 (+14.13%) | ||
| 2023 | $4,048.00 Homeowner's exemption | $333,200 Land $91,000 Building $242,200 | $333,200 Land $91,000 Building $242,200 |
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 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 403 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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