Ramsey County property record for 2490 Birch St, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,216 sqft · built 1956 |
| Lot Size | 0.489 acres (21,300 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,030 (Nov 2013) |
| Tax Bill | $4,970 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-24-0020 |
| Primary APN | 25-30-22-24-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,216 sqft Living Area |
| 1st Floor Area | 1,216 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 21,300 sqft (0.489 acres) |
| Lot Dimensions | 150 ft deep x 142 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 644055 |
|---|---|
| Street Address | 2490 BIRCH ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-4428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN ACRES N 1/2 OF LOT 2 AND ALL OF LOT 1 BLK 5 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 5 |
| Legal Lot Number | 2,1 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2011 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2490 BIRCH ST, SAINT PAUL, MN 55110-4428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COUNTY CITY CREDIT UNION |
| Aug 31, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Dec 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2013 · Amount on Record |
| Deed Sale | Nov 15, 2013 · Amount on Record |
| Prior Sale | Apr 1, 2002 · Amount on Record |
| Deed Document Number | 20132227234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jul 21, 2026 |
| Property Address | 2490 BIRCH ST, SAINT PAUL, MN 55110-4428 |
| Document Number | 0002820040 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 20262820040 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2490 BIRCH ST, SAINT PAUL, MN 55110-4428 |
| Document Number | 0002820040, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 20262820040 |
| Name | COUNTY CITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 28, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2490 BIRCH ST, WHITE BEAR LAKE, MN 55110-4428 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2490 BIRCH ST, CINCINNATI, OH 45202 |
| Document Number | 0A04905020 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | A04905020 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 10, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2490 BIRCH ST, WHITE BEAR LAKE, MN 55110-4428 |
| Document Number | 0002630340 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2490 BIRCH ST WHITE BEAR LAKE MN 551104428, WHITE BEAR LAKE, MN 55110-4428 |
| Document Number | 0002630340 |
|---|---|
| Date | Dec 20, 2018 |
| Instrument | 2630340 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2048 |
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 | $384,100 (+13.67%) Land $122,600 Building $261,500 | $384,100 (+13.67%) Land $122,600 Building $261,500 | |
| 2025 | $4,970.00 (+14.67%) | ||
| 2023 | $4,334.00 Homeowner's exemption | $337,900 Land $122,600 Building $215,300 | $337,900 Land $122,600 Building $215,300 |
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 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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