Ramsey County property record for 3856 Oak Ter, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 960 sqft · built 1971 |
| Lot Size | 0.31 acres (13,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,890 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-24-0028 |
| Primary APN | 25-30-22-24-0028 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Game Room | Game Room |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 13,500 sqft (0.31 acres) |
| Lot Dimensions | 150 ft deep x 90 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 349006 |
|---|---|
| Street Address | 3856 OAK TER |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-4450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN ACRES LOT 10 BLK 5 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 5 |
| Legal Lot Number | 10 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 40302 |
3856 Oak Ter is owned and occupied by two individuals.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3856 OAK TER, SAINT PAUL, MN 55110-4450 |
| 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 |
|---|---|
| Jan 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PREMIER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3856 OAK TER, WHITE BEAR LAKE, MN 55110-4450 |
| Document Number | 0002658304 |
| Instrument Date | Jan 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3856 OAK TER ST PAUL MN 551104450, ST PAUL, MN 55110-4450 |
| Document Number | 0002658304 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 2658304 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3856 OAK TER, WHITE BEAR LAKE, MN 55110-4450 |
| Document Number | 0002617761 |
| Instrument Date | Jun 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2018 |
| Title Company | TITLESMART |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3856 OAK TER WHITE BEAR LAKE MN 551104450, WHITE BEAR LAKE, MN 55110-4450 |
| Document Number | 0002617761 |
|---|---|
| Date | Jul 2, 2018 |
| Instrument | 2617761 |
| Name | PREMIER BK |
|---|---|
| Type | Bank |
| Address | MAPLEWOOD, MN 55109-1384 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 3856 Oak Ter was $3,890 with a homeowner's exemption.
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 | $325,600 Land $88,900 Building $236,700 | $325,600 Land $88,900 Building $236,700 | |
| 2025 | $3,890.00 | ||
| 2023 | $4,150.00 Homeowner's exemption | $281,000 Land $88,900 Building $192,100 | $281,000 Land $88,900 Building $192,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3856 Oak Ter 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 3856 Oak Ter 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 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 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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