Ramsey County property record for 2443 Birch St, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,262 sqft · built 1972 |
| Lot Size | 0.338 acres (14,720 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Jul 2026) |
| Tax Bill | $4,550 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-24-0012 |
| Primary APN | 25-30-22-24-0012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,262 sqft Living Area |
| 1st Floor Area | 1,262 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Game Room | Game Room |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,720 sqft (0.338 acres) |
| Lot Dimensions | 184 ft deep x 80 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 482 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 525257 |
|---|---|
| Street Address | 2443 BIRCH ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-4427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN ACRES LOT 12 BLK 1 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 40302 |
2443 Birch St is owned and occupied by two individuals who bought it in July 2026.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2443 BIRCH ST, SAINT PAUL, MN 55110-4427 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jul 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2026 · Amount on File |
| Deed Sale | Jul 30, 2026 · Amount on File |
| Deed Document Number | 20262820770 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jul 30, 2026 |
| Property Address | 2443 BIRCH ST, SAINT PAUL, MN 55110-4427 |
| Document Number | 0002820770 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 20262820770 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2026 |
| Title Company | E TITLE LLC, TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130,492.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2443 BIRCH ST, SAINT PAUL, MN 55110-4427 |
| Investor | Possibly a Property Investor |
| Document Number | 0002820771, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 20262820771 |
| Name | LUMINATE HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2443 BIRCH ST, WHITE BEAR LAKE, MN 55110-4427 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0A04868828 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | A04868828 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2041 |
The 2025 property tax bill for 2443 Birch St was $4,550 with a homeowner's exemption.
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 | $363,800 (-2.36%) Land $88,000 Building $275,800 | $363,800 (-2.36%) Land $88,000 Building $275,800 | |
| 2025 | $4,550.00 Homeowner's exemption | $372,600 Land $88,000 Building $284,600 | $372,600 Land $88,000 Building $284,600 |
| 2023 | $4,632.00 Homeowner's exemption | $334,100 Land $88,000 Building $246,100 | $334,100 Land $88,000 Building $246,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2443 Birch St 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.
Wildfire risk around 2443 Birch St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 92% 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.
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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