Washington County property record for 7038 46th St N, Saint Paul, MN 55128
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,992 sqft · built 1994 |
| Lot Size | 0.294 acres (12,807 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Aug 2026) |
| Tax Bill | $5,608 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Mar 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-029-21-23-0044 |
| Primary APN | 08-029-21-23-0044 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,992 sqft Living Area |
| Basement Area | 1,060 sqft |
| Finished Basement | 22 sqft |
| Unfinished Basement | 1,038 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,807 sqft (0.294 acres) |
| Garage Type | Attached |
| Garage Area | 766 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 146 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 7038 46TH ST N |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55128-2634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME OAKS OF DEER RUN LOT 25 BLOCK 3 SUBDIVISIONCD 58075 |
| Legal Range | 21W |
| Legal Township | 29N |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF DEER RUN |
| Legal Block | 3 |
| Legal Lot Number | 25 |
| Jurisdiction | WASHINGTON MN |
| Township / Civil Division | OAKDALE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 70907 |
Source: Washington County records, as of August 14, 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 | 7038 46TH ST N, SAINT PAUL, MN 55128-2634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Mar 28, 2023 | Deed of Trust, Mortgage · Line of Credit PLATINUM BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2026 · Amount on Record |
| Deed Sale | Aug 6, 2026 · Amount on Record |
| Prior Sale | Jan 2, 1997 · Amount on Record |
| Deed Document Number | 20264516150 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Recording Date | Aug 6, 2026 |
| Property Address | 7038 46TH ST N, SAINT PAUL, MN 55128-2634 |
| Document Number | 0004516150 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 20264516150 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2026 |
| Title Company | LEGACY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144,985.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 7038 46TH ST N, SAINT PAUL, MN 55128-2634 |
| Document Number | 0004516151, |
|---|---|
| Date | Aug 6, 2026 |
| Instrument | 20264516151 |
| Name | BELL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MN |
| Property Address | 7038 46TH ST N, OAKDALE, MN 55128-2634 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Title Company | TITLE SPECIALIST, TITLE SPECIALISTS INC |
| Name | Verified Name |
|---|---|
| Address | 7038 46TH ST N, OAKDALE, MN 55128-2634 |
| Document Number | 0004401769 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 4401769 |
| Name | PLATINUM BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55128 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Washington County assessment roll, as of June 9, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Washington County |
| Municipality | Oakdale City |
| Unified School District | North St. Paul-Maplewood-Oakdale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,608.00 (+22.82%) Homeowner's exemption | ||
| 2025 | $422,200 (+1.49%) Land $125,000 Building $297,200 | $422,200 (+1.49%) Land $125,000 Building $297,200 | |
| 2024 | $416,000 (+2.77%) Land $120,000 Building $296,000 | $416,000 (+2.77%) Land $120,000 Building $296,000 | |
| 2023 | $4,566.00 | ||
| 2022 | $404,800 Land $142,300 Building $262,500 | $404,800 Land $142,300 Building $262,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Oakdale serves 30,144 people · EPA ID MN1820016 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 312 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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