Ramsey County property record for 4030 Jay Ln, White Bear Lake, MN 55110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,024 sqft · built 1956 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $321,000 (Feb 2026) |
| Tax Bill | $3,954 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-22-21-0010 |
| Primary APN | 25-30-22-21-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Game Room | Game Room |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 272887 |
|---|---|
| Street Address | 4030 JAY LN |
| City | SAINT PAUL |
| State | MN |
| Zip | 55110-4445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORMANDY PARK LOT 8 BLK 1 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 25 |
| Legal Subdivision | NORMANDY PARK |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | WHITE BEAR LAKE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 40302 |
4030 Jay Ln is owned and occupied by two individuals who bought it in February 2026.
Source: Ramsey County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4030 JAY LN, SAINT PAUL, MN 55110-4445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on File |
| Deed Sale | Feb 25, 2026 · Amount on File |
| Prior Sale | Jan 27, 2016 · Amount on File |
| Deed Document Number | 20262811155 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Feb 25, 2026 |
| Property Address | 4030 JAY LN, WHITE BEAR LAKE, MN 55110-4445 |
| Document Number | 0T02811155 |
| Instrument Date | Feb 24, 2026 |
| Instrument | T02811155 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | LEGACY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,059.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4030 JAY LN, WHITE BEAR LAKE, MN 55110-4445 |
| Document Number | 0T02811156 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | T02811156 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 4030 JAY LN, WHITE BEAR LAKE, MN 55110-4445 |
| Document Number | 0002665467 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4030 JAY LN WHITE BEAR LAKE MN 551104445, WHITE BEAR LAKE, MN 55110-4445 |
| Investor | Possibly a Property Investor |
| Document Number | 0002665467 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 2665467 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 13, 2050 |
The 2025 property tax bill for 4030 Jay Ln was $3,954 with a homeowner's exemption, up 9.8% from the year before.
Source: Ramsey County assessment roll, as of July 28, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,954.00 (+9.77%) Homeowner's exemption | $304,800 Land $79,200 Building $225,600 | $304,800 Land $79,200 Building $225,600 |
| 2024 | $3,602.00 (-2.75%) | ||
| 2023 | $3,704.00 Homeowner's exemption | $264,800 Land $79,200 Building $185,600 | $264,800 Land $79,200 Building $185,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4030 Jay 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.
The area around 4030 Jay Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures