4881 Morehead Ave, White Bear Lake (Saint Paul), MN 55110 Property Records

Ramsey County property record for 4881 Morehead Ave, White Bear Lake, MN 55110

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,210 sqft · built 1957
Lot Size	0.162 acres (7,050 sqft)
Owner	2 Trust Names on File
Last Sale	$229,242 (Jul 2013)
Tax Bill	$6,060 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-30-22-23-0026`

Property Details

APN / Parcel Number

Primary APN	`13-30-22-23-0026`
Alternative APNs	`8485291` `541334`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,210 sqft Living Area
1st Floor Area	1,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Lot Area	7,050 sqft (0.162 acres)
Lot Dimensions	141 ft deep x 50 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	541334
Street Address	4881 MOREHEAD AVE
City	SAINT PAUL
State	MN
Zip	55110-2836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUERBACHS REARR-PT WHT BEAR LOT 4 BLK 30
Legal Range	22
Legal Township	30
Legal Section	13
Legal Subdivision	AUERBACHS REARR-PT WHT BEAR
Legal Block	30
Legal Lot Number	4
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR LAKE
Census Block Group	2
Census Block	2019
Census Tract	40200

Owner

4881 Morehead Ave is owner-occupied and held in a trust since April 2024.

Source: Ramsey County records, as of August 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4881 MOREHEAD AVE, SAINT PAUL, MN 55110-2836
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2013 · Amount on File
Deed Sale	Jul 31, 2013 · Amount on File
Deed Document Number	20134415180
Last Transfer Date	Apr 24, 2024
Transfer Doc	0005025283
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	4881 MOREHEAD AVE, WHITE BEAR LAKE, MN 55110-2836
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04899824
Date	Aug 3, 2021
Instrument	A04899824

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2036
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	7.62%

Tax Assessment & Valuation

The 2025 property tax bill for 4881 Morehead Ave was $6,060 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$455,600 Land $121,600 Building $334,000	$455,600 Land $121,600 Building $334,000
2025	$6,060.00
2023	$4,834.00 Homeowner's exemption	$352,200 Land $121,600 Building $230,600	$352,200 Land $121,600 Building $230,600

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

Flood

FEMA maps place 4881 Morehead Ave in Zone X, an area of minimal flood risk.

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	2 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

The area around 4881 Morehead Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 291 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 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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