1206 Niles Ave, Saint Paul, MN 55116 Property Records

Ramsey County property record for 1206 Niles Ave, Saint Paul, MN 55116

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,296 sqft · built 1940
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Apr 2026)
Tax Bill	$6,914 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-28-23-41-0093`

Property Details

APN / Parcel Number

Primary APN	`10-28-23-41-0093`
Alternative APNs	`8574250` `402778`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	942 sqft
Basement Area	160 sqft
Finished Basement	160 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	402778
Street Address	1206 NILES AVE
City	SAINT PAUL
State	MN
Zip	55116-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 10 TOWN 28 RANGE 23 EX S 1O FT THE E 5O FT OF W 15O FT OF ...PLAT 3 IN SEC 10 TN 28 RN 23
Legal Range	23
Legal Township	28
Legal Section	10
Legal Subdivision	SECTION 10 TOWN 28 RANGE 23
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2011
Census Tract	36600

Owner

1206 Niles Ave is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1206 NILES AVE, SAINT PAUL, MN 55116-1655
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
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage PRIMECAP LENDING LLC
Aug 27, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Nov 7, 2017	Warranty Deed, Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Prior Sale	Nov 7, 2017 · Amount on File
Deed Document Number	20265103437
Prior Transfer Date	Dec 22, 2023
Prior Transfer Doc	0005012408
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1206 NILES AVE, SAINT PAUL, MN 55116-1655
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04906961
Date	Sep 13, 2021
Instrument	A04906961

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2031

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 23, 2026
Property Address	1206 NILES AVE, SAINT PAUL, MN 55116-1655
Document Number	0A05103437
Instrument Date	Apr 20, 2026
Instrument	2026.5103437
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223,210.00
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	1206 NILES AVE, SAINT PAUL, MN 55116-1655

Mortgage

Document Number	0005103437,
Date	Apr 23, 2026
Instrument	2026.5103437

Lender

Name	PRIMECAP LENDING LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1206 NILES AVE, SAINT PAUL, MN 55116-1655
Document Number	0004833538
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 NILES AVE ST PAUL MN 551161655, ST PAUL, MN 55116-1655

Mortgage

Document Number	0004833538
Date	Sep 18, 2020
Instrument	4833538

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2050

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 7, 2017
Property Address	1206 NILES AVE, SAINT PAUL, MN 55116-1655
Document Number	0004685112
Instrument Date	Oct 31, 2017
Instrument	4685112
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	MODERN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,088.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 NILES AVE ST PAUL MN 551161655, ST PAUL, MN 55116-1655

Mortgage

Document Number	4685113
Date	Nov 7, 2017
Instrument	4685113

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 6, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1206 Niles Ave was $6,914, up 8.4% from the year before.

Source: Ramsey County assessment roll, as of August 7, 2026

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
2026		$433,500 (+5.83%) Land $146,900 Building $286,600	$433,500 (+5.83%) Land $146,900 Building $286,600
2025	$6,914.00 (+8.44%) Homeowner's exemption	$409,600 Land $146,900 Building $262,700	$409,600 Land $146,900 Building $262,700
2024	$6,376.00 (+4.52%)
2023	$6,100.00 Homeowner's exemption	$412,500 Land $146,900 Building $265,600	$412,500 Land $146,900 Building $265,600

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

Flood

FEMA maps place 1206 Niles Ave 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

Wildfire risk around 1206 Niles Ave 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.

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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, T-Mobile.

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