Ramsey County property record for 3435 Michael Ave, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,856 sqft · built 2002 |
| Lot Size | 0.279 acres (12,150 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $159,900 (Jan 2010) |
| Tax Bill | $5,650 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-30-22-23-0201 |
| Primary APN | 35-30-22-23-0201 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,856 sqft Living Area |
| 1st Floor Area | 1,856 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,150 sqft (0.279 acres) |
| Lot Dimensions | 135 ft deep x 90 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 242564 |
|---|---|
| Street Address | 3435 MICHAEL AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-5350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DELROLLMAN ESTATES LOT 11 BLK 1 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 35 |
| Legal Subdivision | DELROLLMAN ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 40402 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3435 MICHAEL AVE, SAINT PAUL, MN 55110-5350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2023 | Deed of Trust, Mortgage CITY & COUNTY CU |
| Aug 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITY & CNTY EMP CU |
| Nov 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITY & CNTY EMP CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2010 · Amount on Record |
| Deed Sale | Jan 4, 2010 · Amount on Record |
| Prior Sale | Dec 19, 2007 · Amount on Record |
| Deed Document Number | 2010380937 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3435 MICHAEL AVE, WHITE BEAR LAKE, MN 55110-5350 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0T02763671 |
|---|---|
| Date | Oct 30, 2023 |
| Instrument | T02763671 |
| Name | CITY & COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55101 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Oct 15, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3435 MICHAEL AVE, WHITE BEAR LAKE, MN 55110-5350 |
| Document Number | 0002676270 |
| Instrument Date | Aug 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3435 MICHAEL AVE WHITE BEAR LAKE MN 551105350, WHITE BEAR LAKE, MN 55110-5350 |
| Document Number | 0002676270 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 2676270 |
| Name | CITY & CNTY EMP CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55101-2380 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 27, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3435 MICHAEL AVE, WHITE BEAR LAKE, MN 55110-5350 |
| Document Number | 0002628643 |
| Instrument Date | Nov 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3435 MICHAEL AVE WHITE BEAR LAKE MN 551105350, WHITE BEAR LAKE, MN 55110-5350 |
| Document Number | 0002628643 |
|---|---|
| Date | Nov 28, 2018 |
| Instrument | 2628643 |
| Name | CITY & CNTY EMP CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55101-2380 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 27, 2033 |
| Rate Type | Fixed Rate |
|---|
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 | $437,700 (+15.24%) Land $103,600 Building $334,100 | $437,700 (+15.24%) Land $103,600 Building $334,100 | |
| 2025 | $5,650.00 (+23.74%) | ||
| 2023 | $4,566.00 Homeowner's exemption | $379,800 Land $103,600 Building $276,200 | $379,800 Land $103,600 Building $276,200 |
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 98% of the US · lower than 92% 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 396 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 |
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