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1231 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 1231 Charles Ave, Saint Paul, MN 55104

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,308 sqft · built 1932
Lot Size0.114 acres (4,960 sqft)
Owner2 Individual Names on Record
Last Sale$239,030 (Oct 2017)
Tax Bill$5,270 (2025)
Deeds & MortgagesSep 2020 Mortgage
Oct 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN34-29-23-13-0058

Property Details

APN / Parcel Number

Primary APN34-29-23-13-0058
Alternative APNs
  • 8471293
  • 37049

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,308 sqft Living Area
1st Floor Area1,090 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1932
Effective Year BuiltEffective 1972
Architectural StyleBungalow
Exterior MaterialStucco
Lot Area4,960 sqft (0.114 acres)
Lot Dimensions124 ft deep x 40 ft wide
Garage TypeAttached
Garage Area240 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number37049
Street Address1231 CHARLES AVE
CitySAINT PAUL
StateMN
Zip55104-2517
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSYNDICATE NO. 5 ADDITION LOT 28 BLK 24
Legal Range23
Legal Township29
Legal Section34
Legal SubdivisionSYNDICATE NO. 5 ADDITION
Legal Block24
Legal Lot Number28
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group3
Census Block3005
Census Tract32300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1231 CHARLES AVE, SAINT PAUL, MN 55104-2517
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 9, 2020Deed of Trust, Mortgage · Conventional Mortgage
PROSPERITY HM MTG
Oct 9, 2017Warranty Deed, Transfer · Conventional with PMI
HOMESERVICES LNDG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 9, 2017 · Amount on Record
Deed SaleOct 9, 2017 · Amount on Record
Deed Document Number20174680387
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address1231 CHARLES AVE, SAINT PAUL, MN 55104-2517
Document Number0004840436
Instrument DateSep 9, 2020
Transaction TypeMortgage
Record UpdatedNov 9, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1231 CHARLES AVE ST PAUL MN 551042517, ST PAUL, MN 55104-2517

Mortgage

Document Number0004840436
DateOct 26, 2020
Instrument4840436
Lender
NamePROSPERITY HM MTG
TypeMortgage Company
AddressCHANTILLY, VA 20151
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 25, 2050

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateOct 9, 2017
Property Address1231 CHARLES AVE, SAINT PAUL, MN 55104-2517
Document Number0004680387
Instrument DateAug 31, 2017
Instrument4680387
Transaction TypeTransfer
Record UpdatedJan 11, 2019
Title CompanyALL AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$788.80
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1231 CHARLES AVE ST PAUL MN 551042517, ST PAUL, MN 55104-2517

Mortgage

Document Number4680388
DateOct 9, 2017
Instrument4680388
Lender
NameHOMESERVICES LNDG
AddressWEST DES MOINES, IN 50266
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 8, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
MunicipalitySt. Paul City
Unified School DistrictSt. Paul Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$340,200 (+9.04%) Land $35,000 Building $305,200$340,200 (+9.04%) Land $35,000 Building $305,200
2025$5,270.00 (+8.3%)
2023$4,866.00 Homeowner's exemption$312,000 Land $35,000 Building $277,000$312,000 Land $35,000 Building $277,000

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemSaint Paul Regional Water Services
serves 392,529 people · EPA ID MN1620026
Water SourceSurface water
Last State InspectionSep 2025
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Apr 2022
Monitoring and Reporting2
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 839 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: GigFire, Verizon.

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