Colleen Schultz
Keller Williams Premier Realty Lake Minnetonka
(952) 649-6656
105 Total Sales
1 in White Bear Lake
$537,500 Price
5441 Ridgeway St Saint Paul, MN 55110
White Bear Lake Area
4
Beds
2
Baths
2,400
Sq Ft
0.27
Acre Lot
Highlights
- Lake View
- Deck
- No HOA
- Lincoln Elementary School Rated 10
- Main Floor Primary Bedroom
- Stainless Steel Appliances
About This Home
As of July 2026VA, FHA, & Conventional financing welcome! Rare opportunity to own a charming vintage home near Bald Eagle Lake! This 4BR/2BA home offers 2,400 finished square feet just a half block from the lake in White Bear Township. Enjoy hardwood floors, lake views, an open-concept living/dining/family room with a fireplace, and a spacious kitchen featuring granite countertops, stainless steel appliances, a new garbage disposal, pantry space, and a breakfast bar.
The main level includes a large primary bedroom with Andersen replacement windows, a separate 3⁄4 bath, and main-floor laundry for convenient one-level living. Upstairs you'll find three additional bedrooms, a full bath, and additional lake views. The walk-out lower level offers a family room, an office, a second washer and dryer, and abundant storage space. Outside, enjoy a fenced yard with beautiful perennial gardens, a paver brick patio, deck, hot tub, storage shed, and an oversized 30x20 detached garage/workshop with a 220V outlet. Recent updates include a new high-efficiency furnace with central air (2025), plus improvements to exterior paint, garage siding, and electrical.
Conveniently located near the public boat launch on Bald Eagle Lake, parks, trails, and just minutes from downtown White Bear Lake. Recent improvements may support FHA and VA financing eligibility (buyers to verify with their lender).
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,922
Year Built
- Built in 1906
Lot Details
- Lot Dimensions are 119x96x117x95
- Privacy Fence
- Wood Fence
- Few Trees
Parking
- 2 Car Detached Garage
- Garage Door Opener
Home Design
- Block Foundation
- Frame Construction
- Pitched Roof
- Architectural Shingle Roof
- Wood Siding
- Block Exterior
- Metal Siding
Interior Spaces
- 1.5-Story Property
- Wood Burning Fireplace
- Living Room with Fireplace
- Combination Dining and Living Room
- Lake Views
Kitchen
- Breakfast Bar
- Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Disposal
- The kitchen features windows
Bedrooms and Bathrooms
- 4 Bedrooms
- Primary Bedroom on Main
Laundry
- Laundry on main level
- Laundry in Kitchen
- Dryer
- Washer
Finished Basement
- Walk-Out Basement
- Block Basement Construction
- Laundry in Basement
- Basement Storage
- Natural lighting in basement
Outdoor Features
- Deck
- Patio
- Rear Porch
Utilities
- Forced Air Heating and Cooling System
- 150 Amp Service
- Gas Water Heater
- Water Softener is Owned
Community Details
- No Home Owners Association
- Shady Side Add To, Bald Ea Subdivision
Listing and Financial Details
- Assessor Parcel Number 123022220053
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Closed on
Apr 15, 2022
Sold by
Mumaugh and Deborah
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$306,071
Outstanding Balance
$281,551
Interest Rate
3.85%
Mortgage Type
New Conventional
Estimated Equity
$114,547
Purchase Details
Closed on
Dec 21, 2015
Sold by
Wensman Edwin C and Wensman Carolyn V
Bought by
Mumaugh Gary and Mumaugh Deborah
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$217,490
Interest Rate
3.25%
Mortgage Type
FHA
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Saint Paul, MN
-
Colleen Schultz
-
Janelle Murlowski
Janelle Murlowski
P.S. Real Estate, LLC
(612) 688-9935
74 Total Sales
1 in White Bear Lake
$342,500 Price
-
Robin Sook
Robin Sook
Coldwell Banker Realty - Lakes
(612) 712-8724
62 Total Sales
1 in White Bear Lake
$232,600 Price
-
Yvonne Hanson
Yvonne Hanson
RE/MAX Results
(612) 324-8277
108 Total Sales
3 in White Bear Lake
$300K - $385K Price Range
-
Sally Scrimgeour
Sally Scrimgeour
eXp Realty
(612) 441-2500
181 Total Sales
1 in White Bear Lake
$325,000 Price
-
Monica Schafer
Monica Schafer
Responds QuicklyRE/MAX Results
(612) 294-7608
187 Total Sales
2 in White Bear Lake
$211K - $368K Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $389,900 | Abstract & Title Company | |
| Warranty Deed | $225,000 | Titlesmart Inc |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $306,071 | New Conventional | |
| Previous Owner | $217,490 | FHA | |
| Previous Owner | $150,000 | New Conventional |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 07/24/2026 07/24/26 | Sold | $415,000 | 0.0% | $173 / Sq Ft |
| 06/24/2026 06/24/26 | Pending | -- | -- | -- |
| 06/15/2026 06/15/26 | Off Market | $415,000 | -- | -- |
| 06/04/2026 06/04/26 | Price Changed | $398,000 | -2.9% | $166 / Sq Ft |
| 05/22/2026 05/22/26 | Price Changed | $409,900 | 0.0% | $171 / Sq Ft |
| 05/22/2026 05/22/26 | For Sale | $409,900 | -1.2% | $171 / Sq Ft |
| 05/20/2026 05/20/26 | Off Market | $415,000 | -- | -- |
| 04/15/2026 04/15/26 | Price Changed | $424,900 | -2.3% | $177 / Sq Ft |
| 04/02/2026 04/02/26 | For Sale | $435,000 | -- | $181 / Sq Ft |
Source: NorthstarMLS
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2026 | $5,810 | $413,100 | $89,100 | $324,000 |
| 2025 | $5,810 | $433,100 | $89,100 | $344,000 |
| 2024 | $4,886 | $435,100 | $89,100 | $346,000 |
| 2023 | $4,886 | $379,400 | $89,100 | $290,300 |
| 2022 | $4,992 | $318,800 | $67,500 | $251,300 |
| 2021 | $5,074 | $258,100 | $67,500 | $190,600 |
| 2020 | $4,976 | $268,700 | $67,500 | $201,200 |
| 2019 | $4,666 | $276,200 | $67,500 | $208,700 |
| 2018 | $3,984 | $242,400 | $67,500 | $174,900 |
| 2017 | $3,132 | $222,500 | $67,500 | $155,000 |
| 2016 | $2,546 | $0 | $0 | $0 |
| 2015 | $2,318 | $197,400 | $67,500 | $129,900 |
| 2014 | $2,386 | $0 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Stephanie Gruver
Seller's Agent in 2026
Stephanie Gruver
RE/MAX Results
(612) 581-5842
221 Total Sales
-
Denise Sartor
Buyer's Agent in 2026
Denise Sartor
Keller Williams Classic Rlty NW
(763) 234-2311
74 Total Sales
Map
Source: NorthstarMLS
MLS Number: 7045188
APN: 12-30-22-22-0053
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website.
Listings courtesy of NorthstarMLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID
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