2353 Joy Ave, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 2353 Joy Ave, White Bear Lake, MN 55110

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,544 sqft · built 1963
Lot Size	0.428 acres (18,630 sqft)
Owner	Company Name on Record
Last Sale	$345,000 (Jan 2003)
Tax Bill	$6,228 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Sep 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-30-22-33-0005`

Property Details

APN / Parcel Number

Primary APN	`24-30-22-33-0005`
Alternative APNs	`8233089` `266031`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	1,544 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	18,630 sqft (0.428 acres)
Lot Dimensions	207 ft deep x 90 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	266031
Street Address	2353 JOY AVE
City	SAINT PAUL
State	MN
Zip	55110-7408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BACCHUS LAKERIDGE SUBJ TO ESMT LOT 14 BLK 1
Legal Range	22
Legal Township	30
Legal Section	24
Legal Subdivision	BACCHUS LAKERIDGE
Legal Block	1
Legal Lot Number	14
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR LAKE
Census Block Group	1
Census Block	1012
Census Tract	40301

Owner

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	Company Name on Record
Mailing Address	2353 JOY AVE, SAINT PAUL, MN 55110-7408
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 1, 2023	Intrafamily Transfer, Transfer
Aug 19, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jul 17, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2003 · Amount on Record
Deed Sale	Jan 30, 2003 · Amount on Record
Prior Sale	Jul 20, 1998 · Amount on Record
Deed Document Number	2003308606
Last Transfer Date	Nov 22, 2023
Transfer Doc	0005009889
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2353 JOY AVE, WHITE BEAR LAKE, MN 55110-7408
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A05080353
Date	Sep 23, 2025
Instrument	A05080353

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Jul 1, 2040

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2353 JOY AVE, WHITE BEAR LAKE, MN 55110-7408
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A05001258
Date	Sep 12, 2023
Instrument	A05001258

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAMSEY MN
Recording Date	Dec 1, 2023
Property Address	2353 JOY AVE, WHITE BEAR LAKE, MN 55110-7408
Document Number	0A05009889
Instrument Date	Nov 22, 2023
Instrument	A05009889
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2353 JOY AVE, WHITE BEAR LAKE, MN 55110-7408

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2353 JOY AVE, WHITE BEAR LAKE, MN 55110-7408
Document Number	0004829444
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2353 JOY AVE ST PAUL MN 551107408, ST PAUL, MN 55110-7408

Mortgage

Document Number	0004829444
Date	Aug 26, 2020
Instrument	4829444

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48266-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2353 JOY AVE, WHITE BEAR LAKE, MN 55110-7408
Document Number	0004768484
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2353 JOY AVE ST PAUL MN 551107408, ST PAUL, MN 55110-7408

Mortgage

Document Number	0004768484
Date	Aug 13, 2019
Instrument	4768484

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 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		$454,400 (+6.72%) Land $96,700 Building $357,700	$454,400 (+6.72%) Land $96,700 Building $357,700
2025	$6,228.00 (+12.54%)
2023	$5,534.00 Homeowner's exemption	$425,800 Land $96,700 Building $329,100	$425,800 Land $96,700 Building $329,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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	Direct burnable vegetation

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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Joy Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures