4530 Cobalt Dr, Saint Paul, MN 55129 Property Records

Washington County property record for 4530 Cobalt Dr, Saint Paul, MN 55129

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 2020
Lot Size	0.233 acres (10,148 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Dec 2022)
Tax Bill	$5,286 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-028-21-43-0050`

Property Details

APN / Parcel Number

Primary APN	`28-028-21-43-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,248 sqft Living Area
Basement Area	650 sqft
Finished Basement	387 sqft
Unfinished Basement	263 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Split Level
Construction Type	Frame
Lot Area	10,148 sqft (0.233 acres)

Location & Zoning

Street Address	4530 COBALT DR
City	SAINT PAUL
State	MN
Zip	55129-2275
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK 1 LOT 7 SUBDIVISIONCD 3241 SUBDIVISIONNAME COPPER RIDGE 6TH ADDITION
Legal Range	21W
Legal Township	28N
Legal Section	28
Legal Subdivision	COPPER RIDGE 6TH ADDITION
Legal Block	1
Legal Lot Number	7
Jurisdiction	WASHINGTON MN
Township / Civil Division	WOODBURY
Census Block Group	5
Census Block	5002
Census Tract	71019

Owner

4530 Cobalt Dr is owned and occupied by an individual who bought it in December 2022.

Source: Washington County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	4530 COBALT DR, SAINT PAUL, MN 55129-2275
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 21, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD
Oct 7, 2020	Grant Deed, Subdivision Related Transfer DHI TITLE AGENCY, DHI TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2022 · Amount on File
Deed Sale	Dec 23, 2022 · Amount on File
Prior Sale	Dec 21, 2020 · Amount on File
Deed Document Number	20224395272
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON MN
Recording Date	Dec 23, 2022
Property Address	4530 COBALT DR, WOODBURY, MN 55129-2275
Document Number	0004395272
Instrument Date	Dec 19, 2022
Instrument	4395272
Transaction Type	Transfer
Record Updated	Jan 4, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,270.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4530 COBALT DR, WOODBURY, MN 55129-2275

Mortgage

Document Number	0004395273
Date	Dec 23, 2022
Instrument	4395273

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON MN
Recording Date	Dec 21, 2020
Property Address	4530 COBALT DR, WOODBURY, MN 55129-2275
Document Number	0004284485
Instrument Date	Dec 17, 2020
Instrument	4284485
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 4, 2022
Title Company	DHI TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,216.35
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4530 COBALT DR, WOODBURY, MN 55129-2275

Mortgage

Document Number	0004284486
Date	Dec 21, 2020
Instrument	4284486

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON MN
Recording Date	Oct 7, 2020
Property Address	4530 COBALT DR, WOODBURY, MN 55129-2275
Document Number	0004268112
Instrument Date	Sep 30, 2020
Instrument	4268112
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 13, 2020
Title Company	DHI TITLE AGENCY, DHI TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$1,565.00
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	6553 JANERO BAY S COTTAGE GROVE MN 550162378, COTTAGE GROVE, MN 55016-2378

Tax Assessment & Valuation

The 2026 property tax bill for 4530 Cobalt Dr was $5,286 with a homeowner's exemption.

Source: Washington County assessment roll, as of June 9, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Washington County
Municipality	Woodbury City
Unified School District	South Washington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,286.00 Homeowner's exemption
2025		$429,400 (+1.35%) Land $151,500 Building $277,900	$429,400 (+1.35%) Land $151,500 Building $277,900
2024		$423,700 Land $146,500 Building $277,200	$423,700 Land $146,500 Building $277,200
2023	$4,810.00
2022		$406,800 Land $150,000 Building $256,800	$406,800 Land $150,000 Building $256,800

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

Flood

FEMA maps place 4530 Cobalt Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 20, 2022 · 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

Wildfire risk around 4530 Cobalt Dr 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 99.1% of the US · lower than 96% 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.

Drinking Water

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

Water System	Woodbury serves 82,643 people · EPA ID MN1820025
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250

May also be available: Southeast MN Wifi, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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