4155 Summit Ln, Saint Paul, MN 55110 Property Records

Ramsey County property record for 4155 Summit Ln, Saint Paul, MN 55110

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,531 sqft · built 1920
Lot Size	0.534 acres (23,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,500 (Nov 2019)
Tax Bill	$8,268 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-30-22-43-0083`

Property Details

APN / Parcel Number

Primary APN	`24-30-22-43-0083`
Alternative APNs	`8411066` `551065`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,231 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1999
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	23,280 sqft (0.534 acres)
Lot Dimensions	194 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	551065
Street Address	4155 SUMMIT LN
City	SAINT PAUL
State	MN
Zip	55110-3949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLAIRE WHITE BEAR LAKE EX TRIANGULAR PART OF LOT 12 LYING ...FT OF SWLY 220 FT OF LOT 15BLK 2
Legal Range	22
Legal Township	30
Legal Section	24
Legal Subdivision	BELLAIRE WHITE BEAR LAKE
Legal Block	2
Legal Lot Number	12,15
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR
Census Block Group	1
Census Block	1002
Census Tract	40301

Owner

Source: Ramsey County records, as of August 26, 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	4155 SUMMIT LN, SAINT PAUL, MN 55110-3949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Deed of Trust, Mortgage · Conventional with PMI WINTRUST MTG
Jan 10, 2020	Deed of Trust, Mortgage · Line of Credit BOUNDARY WATERS ST BK
Nov 20, 2019	Warranty Deed, Transfer · Conventional with PMI WINTRUST MTG
Jul 19, 2018	Warranty Deed, Transfer · Conventional with PMI IDEAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	Jul 19, 2018 · Amount on Record
Deed Document Number	20194784256
Last Transfer Date	Jul 30, 2025
Transfer Doc	0005074216
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	4155 SUMMIT LN, WHITE BEAR LAKE, MN 55110-3949
Document Number	0004817077
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	TITLE ONE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4155 SUMMIT LN WHITE BEAR LAKE MN 551103949, WHITE BEAR LAKE, MN 55110-3949

Mortgage

Document Number	0004817077
Date	Jun 17, 2020
Instrument	4817077

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	4155 SUMMIT LN, WHITE BEAR LAKE, MN 55110-3949
Document Number	0004794494
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4155 SUMMIT LN WHITE BEAR LAKE MN 551103949, WHITE BEAR LAKE, MN 55110-3949

Mortgage

Document Number	0004794494
Date	Jan 24, 2020
Instrument	4794494

Lender

Name	BOUNDARY WATERS ST BK
Type	Bank
Address	BLAINE, MN 55449-4811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 23, 2040

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 20, 2019
Property Address	4155 SUMMIT LN, WHITE BEAR LAKE, MN 55110-3949
Document Number	0004784256
Instrument Date	Oct 9, 2019
Instrument	4784256
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,684.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4155 SUMMIT LN WHITE BEAR LAKE MN 551103949, WHITE BEAR LAKE, MN 55110-3949

Mortgage

Document Number	4784257
Date	Nov 20, 2019
Instrument	4784257

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 19, 2018
Property Address	4155 SUMMIT LN, WHITE BEAR LAKE, MN 55110-3949
Document Number	0004718863
Instrument Date	Jul 3, 2018
Instrument	4718863
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,598.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4155 SUMMIT LN WHITE BEAR LAKE MN 551103949, WHITE BEAR LAKE, MN 55110-3949

Mortgage

Document Number	4718864
Date	Jul 19, 2018
Instrument	4718864

Lender

Name	IDEAL CU
Type	Credit Union
Address	ST PAUL, MN 55109

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
County Subdivision	White Bear Township
Unified School District	White Bear Lake School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$679,800 (+29.63%) Land $116,700 Building $563,100	$679,800 (+29.63%) Land $116,700 Building $563,100
2025	$8,268.00 (+25.31%)
2023	$6,598.00	$524,400 Land $116,700 Building $407,700	$524,400 Land $116,700 Building $407,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	White Bear Township serves 11,699 people · EPA ID MN1620025
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 246 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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