Ramsey County property record for 3375 Emerald Dr, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,884 sqft · built 1963 |
| Lot Size | 0.207 acres (9,060 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $278,181 (May 2017) |
| Tax Bill | $4,882 (2023) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-30-22-23-0064 |
| Primary APN | 36-30-22-23-0064 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,884 sqft Living Area |
| Gross Area | 2,610 sqft |
| 1st Floor Area | 1,116 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,060 sqft (0.207 acres) |
| Lot Dimensions | 108 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 726 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3375 EMERALD DR |
|---|---|
| City | WHITE BEAR LAKE |
| State | MN |
| Zip | 55110-5530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | G |
| Legal Description | GOLF VIEW HEIGHTS NO. 2 LOT 13 BLK 8 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 36 |
| Legal Quarter | 2 |
| Quarter-Quarter Section | 3 |
| Legal Subdivision | GOLF VIEW HEIGHTS NO 2 |
| Legal Block | 8 |
| Legal Lot Number | 13 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 40402 |
Source: Ramsey County records, as of April 29, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3375 EMERALD DR, WHITE BEAR LAKE, MN 55110-5530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 3, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| May 12, 2017 | Grant Deed, Transfer · FHA Mortgage WATERSTONE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2017 · Amount on Record |
| Deed Sale | May 12, 2017 · Amount on Record |
| Prior Sale | Apr 21, 1997 · Amount on Record |
| Deed Document Number | T02587147 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3375 EMERALD DR, WHITE BEAR LAKE, MN 55110-5530 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0A04902442 |
|---|---|
| Date | Aug 17, 2021 |
| Instrument | A04902442 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3375 EMERALD DR, WHITE BEAR LAKE, MN 55110-5530 |
| Document Number | 0002671322 |
| Instrument Date | Sep 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3375 EMERALD DR WHITE BEAR LAKE MN 551105530, WHITE BEAR LAKE, MN 55110-5530 |
| Document Number | 0002671322 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 2671322 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Aug 2, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 12, 2017 |
| Property Address | 3375 EMERALD DR, WHITE BEAR LAKE, MN 55110-5530 |
| Document Number | 0002587147 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 2587147 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2017 |
| Title Company | BURNET TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $918.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3375 EMERALD DR WHITE BEAR LAKE MN 551105530, WHITE BEAR LAKE, MN 55110-5530 |
| Document Number | 2587148 |
|---|---|
| Date | May 12, 2017 |
| Instrument | 2587148 |
| Name | WATERSTONE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 11, 2047 |
Source: Ramsey County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,882.00 | $384,300 Land $75,900 Building $308,400 | $384,300 Land $75,900 Building $308,400 |
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 99.1% of the US · lower than 96% 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 389 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
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