5237 Elk St, Saint Paul, MN 55110 Property Records

Ramsey County property record for 5237 Elk St, Saint Paul, MN 55110

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,976 sqft · built 1987
Lot Size	0.276 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$582,500 (Jul 2026)
Tax Bill	$6,734 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`11-30-22-41-0033`

Property Details

APN / Parcel Number

Primary APN	`11-30-22-41-0033`
Alternative APNs	`8428975` `479918`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,976 sqft Living Area
1st Floor Area	2,404 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Lot Area	12,000 sqft (0.276 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	908 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	479918
Street Address	5237 ELK ST
City	SAINT PAUL
State	MN
Zip	55110-6534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF BALD EAGLE LOT 10 BLK 8
Legal Range	22
Legal Township	30
Legal Section	11
Legal Subdivision	TOWN OF BALD EAGLE
Legal Block	8
Legal Lot Number	10
Jurisdiction	RAMSEY MN
Township / Civil Division	WHITE BEAR
Census Block Group	3
Census Block	3005
Census Tract	40102

Owner

5237 Elk St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	5237 ELK ST, SAINT PAUL, MN 55110-6534
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Affidavit, Transfer
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORPORATION
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 27, 2023	Intrafamily Transfer, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Nov 25, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 12, 2018	Affidavit of Death, Transfer
Jul 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Jun 27, 2023 · Amount on File
Deed Document Number	20265114141
Prior Transfer Date	Jun 21, 2023
Prior Transfer Doc	0004992907
Record Updated	Sep 20, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	RAMSEY MN
Recording Date	Jul 21, 2026
Property Address	5237 ELK ST, SAINT PAUL, MN 55110-6534
Document Number	0005114140
Instrument Date	Jul 21, 2026
Instrument	20265114140
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5237 ELK ST, SAINT PAUL, MN 55110-6534

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 21, 2026
Property Address	5237 ELK ST, SAINT PAUL, MN 55110-6534
Document Number	0005114141
Instrument Date	Jul 16, 2026
Instrument	20265114141
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	FIRST PARTNERS TITLE, PARTNERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200,030.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5237 ELK ST, SAINT PAUL, MN 55110-6534

Mortgage

Document Number	0005114141,
Date	Jul 21, 2026
Instrument	20265114141

Lender

Name	WATERSTONE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	5237 ELK ST, SAINT PAUL, MN 55110-6534
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04909212
Date	Sep 23, 2021
Instrument	A04909212

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAMSEY MN
Recording Date	Jun 27, 2023
Property Address	5237 ELK ST, SAINT PAUL, MN 55110-6534
Document Number	0A04992907
Instrument Date	Jun 21, 2023
Instrument	A04992907
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	CLOSING USA LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5237 ELK ST, SAINT PAUL, MN 55110-6534

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5237 ELK ST, SAINT PAUL, MN 55110-6534

Mortgage

Document Number	0A04992908
Date	Jun 27, 2023
Instrument	A04992908

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 25, 2019
Property Address	5237 ELK ST, WHITE BEAR LAKE, MN 55110-6534
Document Number	0004785192
Instrument Date	Nov 6, 2019
Instrument	4785192
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	CLOSING USA LLC

Transaction

Amount	Amount on Record
Tax	$1.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5237 ELK ST ST PAUL MN 551106534, ST PAUL, MN 55110-6534

Mortgage

Document Number	4785193
Date	Nov 25, 2019
Instrument	4785193

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2049

December 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	RAMSEY MN
Recording Date	Dec 12, 2018
Property Address	5237 ELK ST, WHITE BEAR LAKE, MN 55110-6534
Document Number	0004738801
Instrument Date	Dec 12, 2018
Instrument	4738801
Transaction Type	Transfer
Record Updated	Jan 9, 2019

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5237 ELK ST ST PAUL MN 551106534, ST PAUL, MN 55110-6534

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	5237 ELK ST, WHITE BEAR LAKE, MN 55110-6534
Document Number	0004668515
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5237 ELK ST ST PAUL MN 551106534, ST PAUL, MN 55110-6534

Mortgage

Document Number	0004668515
Date	Jul 21, 2017
Instrument	4668515

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5237 Elk St was $6,734.

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		$527,000 (+2.63%) Land $65,000 Building $462,000	$527,000 (+2.63%) Land $65,000 Building $462,000
2025	$6,734.00 Homeowner's exemption	$513,500 Land $65,000 Building $448,500	$513,500 Land $65,000 Building $448,500
2023	$5,352.00 Homeowner's exemption	$457,900 (+11.33%) Land $65,000 Building $392,900	$457,900 (+11.33%) Land $65,000 Building $392,900
2022		$411,300 Land $65,000 Building $346,300	$411,300 Land $65,000 Building $346,300

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

Flood

FEMA maps place 5237 Elk St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2025 · 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.

Wildfire

Wildfire risk around 5237 Elk St 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 97% of the US · lower than 89% 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	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 210 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

May also be available: Verizon.

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