Ramsey County property record for 3906 Oak Ter, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,262 sqft · built 1972 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,594 (2023) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-24-0034 |
| Primary APN | 25-30-22-24-0034 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,262 sqft Living Area |
| Gross Area | 1,744 sqft |
| 1st Floor Area | 1,262 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Split Entry |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 482 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3906 OAK TER |
|---|---|
| City | WHITE BEAR LAKE |
| State | MN |
| Zip | 55110-4450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | G |
| Legal Description | GREEN ACRES LOT 16 BLK 5 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Quarter | 2 |
| Quarter-Quarter Section | 34 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 5 |
| Legal Lot Number | 16 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 40302 |
3906 Oak Ter is owned and occupied by an individual who acquired it in July 2019.
Source: Ramsey County records, as of April 29, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3905 OAK TER, WHITE BEAR LK, MN 55110-4452 |
| 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 |
|---|---|
| May 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Jul 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Prior Sale | Oct 2, 1997 · Amount on File |
| Last Transfer Date | Jul 23, 2019 |
| Transfer Doc | 0002643468 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3906 OAK TER, WHITE BEAR LAKE, MN 55110-4450 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0T02698557 |
|---|---|
| Date | May 4, 2021 |
| Instrument | T02698557 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 3906 OAK TER, WHITE BEAR LAKE, MN 55110-4450 |
| Document Number | 0002666064 |
| Instrument Date | Apr 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3906 OAK TER WHITE BEAR LAKE MN 551104450, WHITE BEAR LAKE, MN 55110-4450 |
| Document Number | 0002666064 |
|---|---|
| Date | May 26, 2020 |
| Instrument | 2666064 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jul 23, 2019 |
| Property Address | 3906 OAK TER, WHITE BEAR LAKE, MN 55110-4450 |
| Document Number | 0002643468 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 2643468 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2019 |
| Title Company | BURNET TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $986.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3906 OAK TER WHITE BEAR LAKE MN 551104450, WHITE BEAR LAKE, MN 55110-4450 |
| Document Number | 2643469 |
|---|---|
| Date | Jul 23, 2019 |
| Instrument | 2643469 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 22, 2049 |
Source: Ramsey County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,594.00 Homeowner's exemption | $328,700 Land $95,400 Building $233,300 | $328,700 Land $95,400 Building $233,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3906 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 3906 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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