Ramsey County property record for 38 Summit Ln, Saint Paul, MN 55127
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2.5 ba · 2,896 sqft · built 1997 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $775,000 (Nov 2024) |
| Tax Bill | $7,042 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-30-22-32-0018 |
| Primary APN | 16-30-22-32-0018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,896 sqft Living Area |
| 1st Floor Area | 1,897 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 632 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 475507 |
|---|---|
| Street Address | 38 SUMMIT LN |
| City | SAINT PAUL |
| State | MN |
| Zip | 55127-2547 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | THE SUMMITS OF N OAKS CIC325 LOT 38 BLK 1 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 16 |
| Legal Subdivision | THE SUMMITS OF N OAKS CIC325 |
| Legal Block | 1 |
| Legal Lot Number | 38 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH OAKS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 40601 |
38 Summit Ln, a townhouse, is owned and occupied by an individual who bought it in November 2024.
Source: Ramsey County records, as of April 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 SUMMIT LN, SAINT PAUL, MN 55127-2547 |
| 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 |
|---|---|
| Apr 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Mar 22, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Jun 28, 2017 | Warranty Deed, Transfer MARKETPLACE HM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2024 · Amount on File |
| Deed Sale | Nov 4, 2024 · Amount on File |
| Prior Sale | Sep 20, 2016 · Amount on File |
| Deed Document Number | 20242784208 |
| Prior Transfer Date | Mar 15, 2018 |
| Prior Transfer Doc | 0002610576 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 38 SUMMIT LN, NORTH OAKS, MN 55127-2547 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0A04879779 |
|---|---|
| Date | Apr 27, 2021 |
| Instrument | A04879779 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Mar 22, 2018 |
| Property Address | 38 SUMMIT LN, NORTH OAKS, MN 55127-2547 |
| Document Number | 0002610576 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 2610576 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $1.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 38 SUMMIT LN NORTH OAKS MN 551272547, NORTH OAKS, MN 55127-2547 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 28, 2017 |
| Property Address | 38 SUMMIT LN, NORTH OAKS, MN 55127-2547 |
| Document Number | 0002590430 |
| Instrument Date | Jun 22, 2017 |
| Instrument | 2590430 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2017 |
| Title Company | EXECUTIVE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,145.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6 BUFFALO RD NORTH OAKS MN 551276463, NORTH OAKS, MN 55127-6463 |
| Document Number | 2590431 |
|---|---|
| Date | Jun 28, 2017 |
| Instrument | 2590431 |
| Name | MARKETPLACE HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | EDINA, MN 55435 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 27, 2047 |
Source: Ramsey County assessment roll, as of July 28, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | North Oaks City |
| Unified School District | White Bear Lake School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $629,600 Land $124,800 Building $504,800 | $629,600 Land $124,800 Building $504,800 | |
| 2024 | $7,042.00 (-10.95%) | ||
| 2023 | $7,908.00 | $574,500 Land $124,800 Building $449,700 | $574,500 Land $124,800 Building $449,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Summit Ln in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 38 Summit Ln 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 93% of the US · lower than 78% 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 Township serves 11,699 people · EPA ID MN1620025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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