Ramsey County property record for 3911 Oak Ter, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 816 sqft · built 1970 |
| Lot Size | 0.294 acres (12,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Jun 2019) |
| Tax Bill | $3,774 (2025) |
| Deeds & Mortgages | Jun 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-24-0037 |
| Primary APN | 25-30-22-24-0037 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| Game Room | Game Room |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| 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 | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 334211 |
|---|---|
| Street Address | 3911 OAK TER |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-4452 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN ACRES LOT 3 BLK 4 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 40302 |
3911 Oak Ter is owned and occupied by an individual who bought it in June 2019.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3911 OAK TER, SAINT PAUL, 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on File |
| Deed Sale | Jun 28, 2019 · Amount on File |
| Deed Document Number | 20192641948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 28, 2019 |
| Property Address | 3911 OAK TER, WHITE BEAR LAKE, MN 55110-4452 |
| Document Number | 0002641948 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 2641948 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | PARTNERS TITLE COMPANY, PARTNERS TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Tax | $782.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3911 OAK TER WHITE BEAR LAKE MN 551104452, WHITE BEAR LAKE, MN 55110-4452 |
The 2025 property tax bill for 3911 Oak Ter was $3,774 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 | $321,200 Land $84,800 Building $236,400 | $321,200 Land $84,800 Building $236,400 | |
| 2025 | $3,774.00 | ||
| 2023 | $3,558.00 Homeowner's exemption | $275,000 Land $84,800 Building $190,200 | $275,000 Land $84,800 Building $190,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3911 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 3911 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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