Ramsey County property record for 2539 Cowern Pl E, Saint Paul, MN 55109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 960 sqft · built 1965 |
| Lot Size | 0.179 acres (7,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Jul 2026) |
| Tax Bill | $4,834 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage May 2026 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-29-22-13-0050 |
| Primary APN | 13-29-22-13-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Family Room | Family Room |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Split Level |
| Exterior Material | Stucco |
| Lot Area | 7,800 sqft (0.179 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8447176 |
|---|---|
| Street Address | 2539 COWERN PL E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55109-4023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JENKS FIRST ADDITION LOT 12 BLK 1 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 13 |
| Legal Subdivision | JENKS FIRST ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 42700 |
2539 Cowern Pl E is owned and occupied by an individual who bought it in July 2026.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2539 COWERN PL E, SAINT PAUL, MN 55109-4023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 4, 2026 | Personal Representative Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 7, 2023 | Intrafamily Transfer, Transfer · Line of Credit IDEAL CU |
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage IDEAL CU |
| Sep 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage IDEAL CU |
| Apr 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage IDEAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on File |
| Deed Sale | Jul 14, 2026 · Amount on File |
| Deed Document Number | 20262819638 |
| Prior Transfer Date | Jun 20, 2023 |
| Prior Transfer Doc | 0002757103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jul 14, 2026 |
| Property Address | 2539 COWERN PL E, SAINT PAUL, MN 55109-4023 |
| Document Number | 0002819638 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20262819638 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2026 |
| Title Company | TITLESMART |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $96,152.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2539 COWERN PL E, SAINT PAUL, MN 55109-4023 |
| Document Number | 0002819639, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 20262819639 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 4, 2026 |
| Property Address | 2539 COWERN PL E, SAINT PAUL, MN 55109-4023 |
| Document Number | 0002815201 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.2815201 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $171.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 8957 33RD ST N, LAKE ELMO, MN 55042-9209 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jul 7, 2023 |
| Property Address | 2539 COWERN PL E, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0T02757103 |
| Instrument Date | Jun 20, 2023 |
| Instrument | T02757103 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2539 COWERN PL E, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0T02757104 |
|---|---|
| Date | Jul 7, 2023 |
| Instrument | T02757104 |
| Name | IDEAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 20, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2539 COWERN PL E, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0002687642 |
| Instrument Date | Dec 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2539 COWERN PL E NORTH ST PAUL MN 551094023, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0002687642 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2687642 |
| Name | IDEAL CU |
|---|---|
| Type | Credit Union |
| Address | NORTH SAINT PAUL, MN 55109 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 21, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2539 COWERN PL E, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0002648042 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 2539 COWERN PL E NORTH ST PAUL MN 551094023, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0002648042 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 2648042 |
| Name | IDEAL CU |
|---|---|
| Type | Credit Union |
| Address | NORTH SAINT PAUL, MN 55109 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2539 COWERN PL E, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0002612647 |
| Instrument Date | Apr 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 2539 COWERN PL E NORTH ST PAUL MN 551094023, NORTH ST PAUL, MN 55109-4023 |
| Document Number | 0002612647 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 2612647 |
| Name | IDEAL CU |
|---|---|
| Type | Credit Union |
| Address | NORTH ST PAUL, MN 55109 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2048 |
The 2025 property tax bill for 2539 Cowern Pl E was $4,834, up 16.3% from the year before.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | North St. Paul City |
| Unified School District | North St. Paul-Maplewood-Oakdale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $309,400 (-0.16%) Land $44,200 Building $265,200 | $309,400 (-0.16%) Land $44,200 Building $265,200 | |
| 2025 | $4,834.00 (+16.31%) Homeowner's exemption | $309,900 Land $44,200 Building $265,700 | $309,900 Land $44,200 Building $265,700 |
| 2024 | $4,156.00 (+14.36%) | ||
| 2023 | $3,634.00 Homeowner's exemption | $299,700 (+11.83%) Land $44,200 Building $255,500 | $299,700 (+11.83%) Land $44,200 Building $255,500 |
| 2022 | $268,000 Land $44,300 Building $223,700 | $268,000 Land $44,300 Building $223,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2539 Cowern Pl E 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.
The area around 2539 Cowern Pl E has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | North Saint Paul serves 13,134 people · EPA ID MN1620011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| 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.
Source: FCC Broadband Data Collection, based on 594 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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