820 White Bear Ave N, Saint Paul, MN 55106 Property Records

Ramsey County property record for 820 White Bear Ave N, Saint Paul, MN 55106

Property Summary

Property Type	Store with Apartments
Details	5,168 sqft · built 1951
Lot Size	0.062 acres (2,744 sqft)
Owner	Company Name on File
Tax Bill	$9,482 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2025 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-22-33-0111`

Property Details

APN / Parcel Number

Primary APN	`26-29-22-33-0111`

Interior

Building Area	5,168 sqft Total Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1976
Lot Area	2,744 sqft (0.062 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	820 WHITE BEAR AVE N
City	SAINT PAUL
State	MN
Zip	55106-4317
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Local Zoning Code	L
Legal Description	AURORA ADDITION EX N 25 FT THE N 1/2 OF LOTS 16 AND LOT 17 BLK 2
Legal Range	22
Legal Township	29
Legal Section	26
Legal Quarter	3
Quarter-Quarter Section	3
Legal Subdivision	AURORA ADDITION
Legal Block	2
Legal Lot Number	16-17
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2003
Census Tract	31801

Owner

820 White Bear Ave N, a commercial property, is owned by a company that acquired it in October 2025.

Source: Ramsey County records, as of October 16, 2025

Owner of Record	Company Name on File
Mailing Address	19 S 1ST ST STE B4, B4, MINNEAPOLIS, MN 55401-1803
Owner Type	Company

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
Aug 12, 2022	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL MINNESOTA CU
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL MINNESOTA CU
Oct 7, 2025	Assignment of Agreement of Sale, Transfer · Line of Credit CENTRAL MINNESOTA CU
Jan 8, 2019	Grant Deed, Transfer TITLE SMART INC
Sep 28, 2018	Grant Deed, Subdivision Related Transfer WEST TITLE COMPANY
Apr 6, 2018	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/MOOSE LA
Jan 11, 2018	Warranty Deed, Transfer · Conventional Mortgage RENOVO CAPITAL LLC
Jan 8, 2019	Quit Claim Deed, Transfer TITLESMART

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2025
Deed Sale	Oct 7, 2025
Prior Sale	Jul 2, 2014
Deed Document Number	0T02803191
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02738893
Date	Aug 12, 2022
Instrument	T02738893

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	MELROSE, MN 56352

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	144 Months
Due	Aug 11, 2034

Interest

Rate Type	Adjustable Rate

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02802956
Date	Oct 2, 2025
Instrument	T02802956

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	MELROSE, MN 56352

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	28 Months
Due	Feb 24, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Assignment of Agreement of Sale, Transfer

Document Type	Assignment of Agreement of Sale
Jurisdiction	RAMSEY MN
Recording Date	Oct 7, 2025
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Document Number	0T02803191
Instrument Date	Sep 29, 2025
Instrument	T02803191
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 S 1ST ST STE B4, B4, MINNEAPOLIS, MN 55401-1803

Mortgage

Document Number	0T02802956
Date	Oct 7, 2025
Instrument	T02802956

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	28 Months
Due	Feb 24, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 8, 2019
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Document Number	0002631322
Instrument Date	Nov 27, 2018
Instrument	2631322
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	TITLE SMART INC

Transaction

Amount	Amount on Record
Tax	$765.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	824 WHITE BEAR AVE N ST PAUL MN 551064317, ST PAUL, MN 55106-4317

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 28, 2018
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Document Number	0002624482
Instrument Date	Sep 5, 2018
Instrument	2624482
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 11, 2018
Title Company	WEST TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12167 CATWAY CWVE EDEN PRAIRIE MN 55347, EDEN PRAIRIE, MN 55347

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Document Number	0002612468
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	311 CONCORDE PL BURNSVILLE MN 553372530, BURNSVILLE, MN 55337-2530
Investor	Possibly a Property Investor

Mortgage

Document Number	0002612468
Date	Apr 20, 2018
Instrument	2612468

Lender

Name	FIRST NAT'L BK/MOOSE LA
Type	Bank
Address	MOOSE LAKE, MN 55767

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 19, 2038

Interest

Rate Type	Adjustable Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 11, 2018
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Document Number	0002606061
Instrument Date	Jan 3, 2018
Instrument	2606061
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	311 CONCORDE PL BURNSVILLE MN 553372530, BURNSVILLE, MN 55337-2530
Investor	Possibly a Property Investor

Mortgage

Document Number	2606062
Date	Jan 11, 2018
Instrument	2606062

Lender

Name	RENOVO CAPITAL LLC
Type	Funding / Finance Company
Address	WAYZATA, MN 55391

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 8, 2019
Property Address	820 WHITE BEAR AVE N, SAINT PAUL, MN 55106-4317
Document Number	0002631321
Instrument Date	Jun 17, 2014
Instrument	2631321
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	TITLESMART

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	824 WHITE BEAR AVE N ST PAUL MN 551064317, ST PAUL, MN 55106-4317

Tax Assessment & Valuation

The 2025 property tax bill for 820 White Bear Ave N was $9,482.

Source: Ramsey County assessment roll, as of February 1, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	St. Paul City
Unified School District	St. Paul Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,482.00	$320,400 Land $27,700 Building $292,700	$320,400 Land $27,700 Building $292,700
2023	$6,324.00	$311,700 Land $27,700 Building $284,000	$311,700 Land $27,700 Building $284,000

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

Flood

FEMA maps place 820 White Bear Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 20, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 820 White Bear Ave N 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 750 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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