Ramsey County property record for 2377 Joy Ave, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,656 sqft · built 1962 |
| Lot Size | 0.533 acres (23,220 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (Sep 2004) |
| Tax Bill | $6,268 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-30-22-33-0001 |
| Primary APN | 24-30-22-33-0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| 1st Floor Area | 1,656 sqft |
| Basement Area | 1,300 sqft |
| Finished Basement | 1,300 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 23,220 sqft (0.533 acres) |
| Lot Dimensions | 258 ft deep x 90 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 43978 |
|---|---|
| Street Address | 2377 JOY AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-7408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BACCHUS LAKERIDGE LOT 18 BLK 1 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 24 |
| Legal Subdivision | BACCHUS LAKERIDGE |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 40301 |
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 | 2377 JOY AVE, SAINT PAUL, MN 55110-7408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC |
| May 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FIN'L FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2004 · Amount on Record |
| Deed Sale | Sep 17, 2004 · Amount on Record |
| Deed Document Number | 2004329115 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2377 JOY AVE, WHITE BEAR LAKE, MN 55110-7408 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Name | Verified Name |
|---|
| Document Number | 0A04923987 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | A04923987 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CORTE MADERA, CA 94925 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2377 JOY AVE, WHITE BEAR LAKE, MN 55110-7408 |
| Document Number | 0004760988 |
| Instrument Date | May 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2377 JOY AVE WHITE BEAR LAKE MN 551107408, WHITE BEAR LAKE, MN 55110-7408 |
| Document Number | 0004760988 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | 4760988 |
| Name | TRUSTONE FIN'L FCU |
|---|---|
| Type | Credit Union |
| Address | PLYMOUTH, MN 55447 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 20, 2029 |
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 | $469,600 (+8.73%) Land $100,100 Building $369,500 | $469,600 (+8.73%) Land $100,100 Building $369,500 | |
| 2025 | $6,268.00 (+11.13%) | ||
| 2023 | $5,640.00 | $431,900 Land $100,100 Building $331,800 | $431,900 Land $100,100 Building $331,800 |
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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 80% 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 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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