Ramsey County property record for 982 Heritage Ct E, Saint Paul, MN 55127
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 949 sqft · built 1987 |
| Lot Size | 0.21 acres (915 sqft) |
| Owner | Individual Name on File |
| Last Sale | $58,000 (Dec 2011) |
| Tax Bill | $2,010 (2024) |
| Deeds & Mortgages | Jun 2021 Reverse Mortgage Jun 2021 Reverse Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-30-22-24-0158 |
| Primary APN | 21-30-22-24-0158 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 949 sqft Living Area |
| Gross Area | 1,189 sqft |
| 1st Floor Area | 940 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 915 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 224667 |
|---|---|
| Street Address | 982 HERITAGE CT E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55127-3661 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | CONDO NO 136 CARRIAGE HOUSE CO UNIT NO. 0502 |
| Legal Range | 22 |
| Legal Township | 30 |
| Legal Section | 21 |
| Legal Subdivision | CONDO NO 136 CARRIAGE HOUSE CO |
| Legal Lot Number | 502 |
| Legal Unit | 502 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | VADNAIS HEIGHTS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 40603 |
982 Heritage Ct E, a condominium, is owned and occupied by an individual who bought it in December 2011.
Source: Ramsey County records, as of March 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 982 HERITAGE CT E, 502, SAINT PAUL, MN 55127-3661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP |
| Jun 16, 2021 | Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP |
| Jul 18, 2018 | Deed of Trust, Mortgage KLEINMORTGAGE |
| Jul 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2011 · Amount on File |
| Deed Sale | Dec 13, 2011 · Amount on File |
| Deed Document Number | 2011394440 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 982 HERITAGE CT E, VADNAIS HEIGHTS, MN 55127-3661 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0A04890148 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | A04890148 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | RANCHO CORDOVA, CA 95670 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.43% |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 982 HERITAGE CT E, VADNAIS HEIGHTS, MN 55127-3661 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0A04890147 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | A04890147 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | RANCHO CORDOVA, CA 95670 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.43% |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 982 HERITAGE CT E # 502, 502, VADNAIS HEIGHTS, MN 55127-3661 |
| Document Number | 0002622413 |
| Instrument Date | Jul 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 982 HERITAGE CT E #502 VADNAIS HEIGHTS MN 551273661, 502, VADNAIS HEIGHTS, MN 55127-3661 |
| Document Number | 0002622413 |
|---|---|
| Date | Aug 29, 2018 |
| Instrument | 2622413 |
| Name | KLEINMORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | CHASKA, MN 55318 |
| Amount | Amount on Record |
|---|---|
| Term | 1032 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.16% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 982 HERITAGE CT E # 502, 502, VADNAIS HEIGHTS, MN 55127-3661 |
| Document Number | 0002622414 |
| Instrument Date | Jul 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 982 HERITAGE CT E #502 VADNAIS HEIGHTS MN 551273661, 502, VADNAIS HEIGHTS, MN 55127-3661 |
| Document Number | 0002622414 |
|---|---|
| Date | Aug 29, 2018 |
| Instrument | 2622414 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1032 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.16% |
Source: Ramsey County assessment roll, as of July 28, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | Vadnais Heights City |
| Unified School District | White Bear Lake School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $179,500 Land $1,000 Building $178,500 | $179,500 Land $1,000 Building $178,500 | |
| 2024 | $2,010.00 (+10.8%) | ||
| 2023 | $1,814.00 Homeowner's exemption | $169,000 Land $1,000 Building $168,000 | $169,000 Land $1,000 Building $168,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 982 Heritage Ct E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1997) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1997 · Severe Storms, Tornadoes, High Winds, Flooding |
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 risk around 982 Heritage Ct E 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 98% of the US · lower than 92% 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 | Vadnais Heights serves 13,025 people · EPA ID MN1620030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 163 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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