Ramsey County property record for 2540 3rd Ave E, North Saint Paul, MN 55109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,082 sqft · built 1937 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Sep 2022) |
| Tax Bill | $3,856 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-29-22-43-0109 |
| Primary APN | 12-29-22-43-0109 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,082 sqft Living Area |
| 1st Floor Area | 906 sqft |
| Basement Area | 264 sqft |
| Finished Basement | 264 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8326741 |
|---|---|
| Street Address | 2540 3RD AVE E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55109-3225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECOND ADDITION TO NORTH,ST. P W 1/2 OF LOT 11 AND ALL OF LOT 10 BLK 4 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 12 |
| Legal Subdivision | SECOND ADDITION TO NORTH,ST. P |
| Legal Block | 4 |
| Legal Lot Number | 11,10 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 42602 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2540 3RD AVE E, SAINT PAUL, MN 55109-3225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage CAMBRIA FINANCIAL GROUP LLC |
| Apr 2, 2020 | Deed of Trust, Mortgage · Conventional with PMI GSF MTG |
| Mar 15, 2018 | Warranty Deed, Transfer · FHA Mortgage GSF MTG |
| Feb 8, 2017 | Quit Claim Deed, Mortgage · Conventional with PMI CARRINGTON MTG SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2022 · Amount on Record |
| Deed Sale | Sep 2, 2022 · Amount on Record |
| Prior Sale | Mar 15, 2018 · Amount on Record |
| Deed Document Number | 20224962297 |
| Prior Transfer Date | Jan 31, 2017 |
| Prior Transfer Doc | 0004646319 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Sep 2, 2022 |
| Property Address | 2540 3RD AVE E, NORTH ST PAUL, MN 55109-3225 |
| Document Number | 0A04962297 |
| Instrument Date | Aug 30, 2022 |
| Instrument | A04962297 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $891.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2540 3RD AVE E, NORTH SAINT PAUL, MN 55109-3225 |
| Document Number | 0A04962298 |
|---|---|
| Date | Sep 2, 2022 |
| Instrument | A04962298 |
| Name | CAMBRIA FINANCIAL GROUP LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2540 3RD AVE E, NORTH ST PAUL, MN 55109-3225 |
| Document Number | 0004806590 |
| Instrument Date | Apr 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2540 3RD AVE E NORTH ST PAUL MN 551093225, NORTH ST PAUL, MN 55109-3225 |
| Document Number | 0004806590 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 4806590 |
| Name | GSF MTG |
|---|---|
| Type | Mortgage Company |
| Address | BROOKFIELD, WI 53005 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Mar 15, 2018 |
| Property Address | 2540 3RD AVE E, NORTH ST PAUL, MN 55109-3225 |
| Document Number | 0004702098 |
| Instrument Date | Mar 1, 2018 |
| Instrument | 4702098 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2018 |
| Title Company | TITLE SMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $615.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2540 3RD AVE E NORTH ST PAUL MN 551093225, NORTH ST PAUL, MN 55109-3225 |
| Document Number | 4702099 |
|---|---|
| Date | Mar 15, 2018 |
| Instrument | 4702099 |
| Name | GSF MTG |
|---|---|
| Type | Mortgage Company |
| Address | BROOKFIELD, WI 53005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 14, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Feb 8, 2017 |
| Property Address | 2540 3RD AVE E, NORTH ST PAUL, MN 55109-3225 |
| Document Number | 0004646319 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 4646319 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2540 3RD AVE E ST PAUL MN 551093225, ST PAUL, MN 55109-3225 |
| Document Number | 4646320 |
|---|---|
| Date | Feb 8, 2017 |
| Instrument | 4646320 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 276 Months |
| Due | Feb 7, 2040 |
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 | $271,300 (-1.63%) Land $43,800 Building $227,500 | $271,300 (-1.63%) Land $43,800 Building $227,500 | |
| 2025 | $3,856.00 (+17.49%) | ||
| 2023 | $3,282.00 Homeowner's exemption | $275,800 Land $43,800 Building $232,000 | $275,800 Land $43,800 Building $232,000 |
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 | 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 450 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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