Ramsey County property record for 3856 Jay Ln, Saint Paul, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,256 sqft · built 1970 |
| Lot Size | 0.294 acres (12,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (May 2026) |
| Tax Bill | $3,906 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-24-0047 |
| Primary APN | 25-30-22-24-0047 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Game Room | Game Room |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,800 sqft (0.294 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 125195 |
|---|---|
| Street Address | 3856 JAY LN |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-4444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN ACRES LOT 13 BLK 4 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 40302 |
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 | 3856 JAY LN, SAINT PAUL, MN 55110-4444 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage TITLESMART |
| Mar 3, 2026 | Affidavit of Death of Joint Tenant, Transfer |
| Apr 21, 2023 | Transfer on Death Deed, Transfer |
| Mar 25, 2021 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2026 · Amount on Record |
| Deed Sale | May 8, 2026 · Amount on Record |
| Deed Document Number | 20262815543 |
| Prior Transfer Date | Apr 19, 2023 |
| Prior Transfer Doc | 0002752716 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 8, 2026 |
| Property Address | 3856 JAY LN, SAINT PAUL, MN 55110-4444 |
| Document Number | 0T02815543 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026.2815543 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | TITLESMART |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116,756.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3856 JAY LN, SAINT PAUL, MN 55110-4444 |
| Document Number | 0002815543, |
|---|---|
| Date | May 8, 2026 |
| Instrument | 2026.2815543 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Mar 3, 2026 |
| Property Address | 3856 JAY LN, WHITE BEAR LAKE, MN 55110-4444 |
| Document Number | 0T02811550 |
| Instrument Date | Feb 19, 2026 |
| Instrument | T02811550 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 327 S COVE RD, HUDSON, WI 54016-8038 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Apr 21, 2023 |
| Property Address | 3856 JAY LN, WHITE BEAR LAKE, MN 55110-4444 |
| Document Number | 0T02752716 |
| Instrument Date | Apr 19, 2023 |
| Instrument | T02752716 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Mar 25, 2021 |
| Property Address | 3856 JAY LN, WHITE BEAR LAKE, MN 55110-4444 |
| Document Number | 0T02694517 |
| Instrument Date | Feb 8, 2021 |
| Instrument | T02694517 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $334,900 (+3.3%) Land $84,800 Building $250,100 | $334,900 (+3.3%) Land $84,800 Building $250,100 | |
| 2025 | $3,906.00 (-8.05%) Homeowner's exemption | $324,200 (+7.71%) Land $84,800 Building $239,400 | $324,200 (+7.71%) Land $84,800 Building $239,400 |
| 2024 | $4,248.00 (+4.48%) | ||
| 2023 | $4,066.00 Homeowner's exemption | $301,000 Land $84,800 Building $216,200 | $301,000 Land $84,800 Building $216,200 |
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 | 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 403 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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