Washington County property record for 287 Jay St, Saint Paul, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,788 sqft · built 1987 |
| Lot Size | 0.394 acres (17,180 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Sep 2008) |
| Tax Bill | $5,842 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-030-21-42-0052 |
| Primary APN | 30-030-21-42-0052 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,788 sqft Living Area |
| Basement Area | 1,680 sqft |
| Finished Basement | 280 sqft |
| Unfinished Basement | 1,400 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 17,180 sqft (0.394 acres) |
| Porch | Porch |
| Porch Area | 784 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 287 JAY ST |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-1862 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME WOOLSTENCROFT ADD LOT 8 BLOCK 1 SUBDIVISIONCD 25525 |
| Legal Range | 21W |
| Legal Township | 30N |
| Legal Section | 30 |
| Legal Subdivision | WOOLSTENCROFT ADD |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | WASHINGTON MN |
| Township / Civil Division | BIRCHWOOD VILLAGE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 70303 |
287 Jay St is owned and occupied by two individuals who bought it in September 2008.
Source: Washington County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 287 JAY ST, SAINT PAUL, MN 55110-1862 |
| 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 |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC |
| Feb 14, 2023 | Deed of Trust, Mortgage · Line of Credit CHOICE FINANCIAL GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2008 · Amount on File |
| Deed Sale | Sep 15, 2008 · Amount on File |
| Prior Sale | May 16, 2002 · Amount on File |
| Deed Document Number | 2008110454 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Recording Date | Oct 5, 2026 |
| Property Address | 287 JAY ST, SAINT PAUL, MN 55110-1862 |
| Document Number | 0004522516 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 20264522516 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 287 JAY ST, SAINT PAUL, MN 55110-1862 |
| Document Number | 0004522516, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 20264522516 |
| Name | CHAMPIONS FUNDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Property Address | 287 JAY ST, WHITE BEAR LAKE, MN 55110-1862 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 287 JAY ST, SAINT PAUL, MN 55110-1862 |
| Document Number | 0004398790 |
|---|---|
| Date | Feb 14, 2023 |
| Instrument | 4398790 |
| Name | CHOICE FINANCIAL GROUP |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT PAUL, MN 55121 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Jan 10, 2028 |
The 2026 property tax bill for 287 Jay St was $5,842 with a homeowner's exemption.
Source: Washington County assessment roll, as of June 9, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Birchwood Village City |
| County | Washington County |
| Unified School District | White Bear Lake School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,842.00 Homeowner's exemption | ||
| 2025 | $517,500 (+0.86%) Land $151,500 Building $366,000 | $517,500 (+0.86%) Land $151,500 Building $366,000 | |
| 2024 | $513,100 Land $156,500 Building $356,600 | $513,100 Land $156,500 Building $356,600 | |
| 2023 | $5,012.00 | ||
| 2022 | $485,000 Land $174,100 Building $310,900 | $485,000 Land $174,100 Building $310,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 287 Jay St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 20, 2022
| 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 287 Jay 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 95% of the US · lower than 84% 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 | Birchwood serves 864 people · EPA ID MN1820003 |
|---|---|
| Water Source | Purchased groundwater from White Bear Lake |
| 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.
Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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