Dakota County property record for 44 Bernard St E, West St Paul, MN 55118
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 884 sqft · built 1962 |
| Lot Size | 0.159 acres (6,941 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $279,000 (Apr 2026) |
| Tax Bill | $3,462 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-48100-10-220 |
| Primary APN | 42-48100-10-220 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 884 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Wood |
| Lot Area | 6,941 sqft (0.159 acres) |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 44 BERNARD ST E |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55118-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MICHEL B ADDITION 22 10 N 6 FT OF LOT 21 BLK 10 & ALL OF |
| Legal Subdivision | MICHEL B ADDITION |
| Legal Block | 10 |
| Legal Lot Number | 21 |
| Jurisdiction | DAKOTA MN |
| Township / Civil Division | WEST ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 60101 |
44 Bernard St E is owned and occupied by two individuals who bought it in April 2026.
Source: Dakota County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 BERNARD ST E, SAINT PAUL, MN 55118-1406 |
| 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 |
|---|---|
| Apr 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE |
| Nov 18, 2022 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 18, 2022 | Redemption Deed, Transfer |
| Sep 28, 2022 | Sheriff's Deed, Foreclosure |
| May 2, 2018 | Loan Modification, Mortgage · Conventional Mortgage PINGORA LOAN SVCNG |
| May 2, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2026 · Amount on File |
| Deed Sale | Apr 8, 2026 · Amount on File |
| Prior Sale | Jan 7, 2026 · Amount on File |
| Deed Document Number | 20263719440 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Apr 8, 2026 |
| Property Address | 44 BERNARD ST E, SAINT PAUL, MN 55118-1406 |
| Document Number | 0003719440 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 2026.3719440 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | TITLESMART |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $92,990.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 44 BERNARD ST E, SAINT PAUL, MN 55118-1406 |
| Document Number | 0003719441, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 2026.3719441 |
| Name | PROSPERITY HOME MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Nov 18, 2022 |
| Property Address | 44 BERNARD ST E, WEST SAINT PAUL, MN 55118-1406 |
| Document Number | 0003567140 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 3567140 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | BURNET TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 BERNARD ST E, SAINT PAUL, MN 55118-1406 |
| Document Number | 0003567141 |
|---|---|
| Date | Nov 18, 2022 |
| Instrument | 3567141 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Number | 0003567142 |
|---|---|
| Date | Nov 18, 2022 |
| Instrument | 3567142 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 1, 2032 |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Nov 18, 2022 |
| Property Address | 44 BERNARD ST E, WEST SAINT PAUL, MN 55118-1406 |
| Document Number | 0003567139 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 3567139 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Redemption Amount |
| Name | Verified Name |
|---|---|
| Address | PO BOX 247, HASTINGS, MN 55033-0247 |
| Name | Verified Name |
|---|---|
| Address | 44 BERNARD ST E, WEST SAINT PAUL, MN 55118-1406 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Sep 28, 2022 |
| Property Address | 44 BERNARD ST E, WEST SAINT PAUL, MN 55118-1406 |
| Document Number | 0003560262 |
| Instrument Date | Jul 28, 2022 |
| Instrument | 3560262 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 6656, CHICAGO, IL 60680-6656 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 44 BERNARD ST E, WEST SAINT PAUL, MN 55118-1406 |
| Document Number | 0003251420 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2018 |
| Title Company | PHH MORTGAGE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 44 BERNARD ST E W ST PAUL MN 55118, ST PAUL, MN 55118 |
| Document Number | 0003251420 |
|---|---|
| Date | May 22, 2018 |
| Instrument | 3251420 |
| Name | PINGORA LOAN SVCNG |
|---|---|
| Type | Funding / Finance Company |
| Address | DENVER, CO 80202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 21, 2048 |
| Rate | 3.5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 44 BERNARD ST E, WEST SAINT PAUL, MN 55118-1406 |
| Document Number | 0003252628 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2018 |
| Title Company | PHH MORTGAGE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 44 BERNARD ST E WEST ST PAUL MN 551181406, WEST ST PAUL, MN 55118-1406 |
| Document Number | 0003252628 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 3252628 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2048 |
The 2025 property tax bill for 44 Bernard St E was $3,462, up 24% from the year before.
Source: Dakota County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Dakota County |
| Municipality | West St. Paul City |
| Unified School District | West St. Paul-Mendota Heights-Eagan (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,462.00 (+24%) Homeowner's exemption | $244,400 (+6.77%) Land $65,800 Building $178,600 | $244,400 (+6.77%) Land $65,800 Building $178,600 |
| 2024 | $2,792.00 (+13.59%) | $228,900 Land $62,300 Building $166,600 | $228,900 Land $62,300 Building $166,600 |
| 2023 | $2,458.00 Homeowner's exemption | ||
| 2022 | $219,600 Land $65,700 Building $153,900 | $219,600 Land $65,700 Building $153,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Bernard St E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
Source: FEMA National Flood Hazard Layer, effective October 4, 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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2019 · other causes |
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.
The area around 44 Bernard St E 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 | Saint Paul Regional Water Services serves 392,529 people · EPA ID MN1620026 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 10 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Apr 2022 |
| Monitoring and Reporting | 2 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 565 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
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