2356 Joy Ave, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 2356 Joy Ave, White Bear Lake, MN 55110

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,298 sqft · built 1961
Lot Size	0.269 acres (11,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Apr 2020)
Tax Bill	$5,220 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-30-22-33-0029`

Property Details

APN / Parcel Number

Primary APN	`24-30-22-33-0029`
Alternative APNs	`8337666` `380255`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1975
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Wood
Lot Area	11,700 sqft (0.269 acres)
Lot Dimensions	130 ft deep x 90 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	380255
Street Address	2356 JOY AVE
City	SAINT PAUL
State	MN
Zip	55110-7409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BACCHUS LAKERIDGE LOT 2 BLK 2
Legal Range	22
Legal Township	30
Legal Section	24
Legal Subdivision	BACCHUS LAKERIDGE
Legal Block	2
Legal Lot Number	2
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR LAKE
Census Block Group	1
Census Block	1013
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	2 Individual Names on Record
Mailing Address	2356 JOY AVE, SAINT PAUL, MN 55110-7409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHOICE FINANCIAL GROUP
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHOICE FIN'L
Apr 22, 2020	Warranty Deed, Transfer BURNET TITLE LLC
Nov 22, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2020 · Amount on Record
Deed Sale	Apr 22, 2020 · Amount on Record
Prior Sale	Nov 3, 1999 · Amount on Record
Deed Document Number	20204807604
Prior Transfer Date	Oct 23, 2019
Prior Transfer Doc	0004784850
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2356 JOY AVE, WHITE BEAR LAKE, MN 55110-7409
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04894865
Date	Jul 9, 2021
Instrument	A04894865

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	May 1, 2041

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2356 JOY AVE, WHITE BEAR LAKE, MN 55110-7409
Document Number	0004821410
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2356 JOY AVE WHITE BEAR LAKE MN 551107409, WHITE BEAR LAKE, MN 55110-7409

Mortgage

Document Number	0004821410
Date	Jul 13, 2020
Instrument	4821410

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 22, 2020
Property Address	2356 JOY AVE, WHITE BEAR LAKE, MN 55110-7409
Document Number	0004807604
Instrument Date	Apr 17, 2020
Instrument	4807604
Transaction Type	Transfer
Record Updated	May 12, 2020
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$986.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2356 JOY AVE ST PAUL MN 551107409, ST PAUL, MN 55110-7409

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 22, 2019
Property Address	2356 JOY AVE, WHITE BEAR LAKE, MN 55110-7409
Document Number	0004784850
Instrument Date	Oct 23, 2019
Instrument	4784850
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2356 JOY AVE WHITE BEAR LAKE MN 551107409, WHITE BEAR LAKE, MN 55110-7409

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		$407,800 (+12.16%) Land $85,400 Building $322,400	$407,800 (+12.16%) Land $85,400 Building $322,400
2025	$5,220.00 (+11.44%)
2023	$4,684.00 Homeowner's exemption	$363,600 Land $85,400 Building $278,200	$363,600 Land $85,400 Building $278,200

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
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 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.

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.

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