Ramsey County property record for 3407 Emerald Dr, Saint Paul, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,392 sqft · built 1962 |
| Lot Size | 0.209 acres (9,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $306,520 (May 2026) |
| Tax Bill | $4,598 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Sep 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-30-22-23-0056 |
| Primary APN | 36-30-22-23-0056 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Shed Roof |
| Lot Area | 9,120 sqft (0.209 acres) |
| Lot Dimensions | 114 ft deep x 80 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8293883 |
|---|---|
| Street Address | 3407 EMERALD DR |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-5533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOLF VIEW HEIGHTS NO. 2 LOT 5 BLK 8 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 36 |
| Legal Subdivision | GOLF VIEW HEIGHTS NO. 2 |
| Legal Block | 8 |
| Legal Lot Number | 5 |
| 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 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3407 EMERALD DR, SAINT PAUL, MN 55110-5533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC |
| Sep 10, 2020 | Deed of Trust, Mortgage · Line of Credit WINGS FIN'L CU |
| Jun 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WINGS FIN'L CU |
| Nov 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WINGS FIN'L CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on Record |
| Deed Sale | May 18, 2026 · Amount on Record |
| Deed Document Number | 20262816005 |
| Prior Transfer Date | May 14, 2019 |
| Prior Transfer Doc | 0002639497 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 18, 2026 |
| Property Address | 3407 EMERALD DR, SAINT PAUL, MN 55110-5533 |
| Document Number | 0T02816005 |
| Instrument Date | May 6, 2026 |
| Instrument | 2026.2816005 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | TITLESMART |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105,259.17 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3407 EMERALD DR, SAINT PAUL, MN 55110-5533 |
| Document Number | 0002816005, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 2026.2816005 |
| Name | NETX MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3407 EMERALD DR, WHITE BEAR LAKE, MN 55110-5533 |
| Document Number | 0004833673 |
| Instrument Date | Sep 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3407 EMERALD DR WHITE BEAR LAKE MN 551105533, WHITE BEAR LAKE, MN 55110-5533 |
| Document Number | 0004833673 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 4833673 |
| Name | WINGS FIN'L CU |
|---|---|
| Address | APPLE VALLEY, MN 55124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 20, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3407 EMERALD DR, WHITE BEAR LAKE, MN 55110-5533 |
| Document Number | 0002669173 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3407 EMERALD DR WHITE BEAR LAKE MN 551105533, WHITE BEAR LAKE, MN 55110-5533 |
| Document Number | 0002669173 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 2669173 |
| Name | WINGS FIN'L CU |
|---|---|
| Address | APPLE VALLEY, MN 55124 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 7, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3407 EMERALD DR, WHITE BEAR LAKE, MN 55110-5533 |
| Document Number | 0002628677 |
| Instrument Date | Nov 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3407 EMERALD DR WHITE BEAR LAKE MN 551105533, WHITE BEAR LAKE, MN 55110-5533 |
| Document Number | 0002628677 |
|---|---|
| Date | Nov 28, 2018 |
| Instrument | 2628677 |
| Name | WINGS FIN'L CU |
|---|---|
| Address | APPLE VALLEY, MN 55124 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 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 | $361,900 (+1.97%) Land $75,200 Building $286,700 | $361,900 (+1.97%) Land $75,200 Building $286,700 | |
| 2025 | $4,598.00 (+0.17%) Homeowner's exemption | $354,900 (+1.49%) Land $75,200 Building $279,700 | $354,900 (+1.49%) Land $75,200 Building $279,700 |
| 2024 | $4,590.00 (+6.94%) | ||
| 2023 | $4,292.00 Homeowner's exemption | $349,700 Land $75,200 Building $274,500 | $349,700 Land $75,200 Building $274,500 |
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 | 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 248 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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