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1240 Thomas Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 1240 Thomas Ave, Saint Paul, MN 55104

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,518 sqft · built 1914
Lot Size0.112 acres (4,922 sqft)
Owner2 Individual Names on File
Last Sale$258,442 (Jul 2016)
Tax Bill$5,348 (2023)
Deeds & MortgagesAug 2021 Mortgage
Sep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN34-29-23-13-0006

Property Details

APN / Parcel Number

Primary APN34-29-23-13-0006

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,518 sqft Living Area
1st Floor Area996 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1914
Effective Year BuiltEffective 1971
Architectural StyleCape Cod
Exterior MaterialAsbestos
Lot Area4,922 sqft (0.112 acres)
Lot Dimensions124 ft deep x 40 ft wide
Garage TypeDetached
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address1240 THOMAS AVE
CitySAINT PAUL
StateMN
Zip55104-2540
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeD
Legal DescriptionSYNDICATE NO. 5 ADDITION LOT 6 BLK 17
Legal Range23
Legal Township29
Legal Section34
Legal Quarter1
Quarter-Quarter Section3
Legal SubdivisionSYNDICATE NO 5 ADDITION
Legal Block17
Legal Lot Number6
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group3
Census Block3002
Census Tract32300

Owner

Source: Ramsey County assessment roll, APN 34-29-23-13-0006, as of February 1, 2023 · Last verified May 2024

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

Owner of Record2 Individual Names on File
Mailing Address1240 THOMAS AVE, SAINT PAUL, MN 55104-2540
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 09, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Sep 25, 2019Deed of Trust, Mortgage · Conventional Mortgage
LEND SMART MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 20, 2016 · Amount on Record
Deed SaleJul 20, 2016 · Amount on Record
Deed Document NumberA04615535
Record UpdatedJun 07, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address1240 THOMAS AVE, SAINT PAUL, MN 55104-2540
Transaction TypeMortgage
Record UpdatedSep 13, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0A04901010
DateAug 09, 2021
InstrumentA04901010
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2051

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address1240 THOMAS AVE, SAINT PAUL, MN 55104-2540
Document Number0004777373
Instrument DateSep 25, 2019
Transaction TypeMortgage
Record UpdatedOct 21, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1240 THOMAS AVE ST PAUL MN 551042540, ST PAUL, MN 55104-2540

Mortgage

Document Number0004777373
DateOct 08, 2019
Instrument4777373
Lender
NameLEND SMART MTG
TypeMortgage Company
AddressSHOREVIEW, MN 55126
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueOct 07, 2039

Tax Assessment & Valuation

Source: Ramsey County assessment roll as of February 1, 2023 · Last verified May 2024

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2023$5,348.00 Homeowner's exemption$358,000 Land $31,500 Building $326,500$358,000 Land $31,500 Building $326,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ramsey County (27123C), as of April 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, 839 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: LTD Broadband, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1620026, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSaint Paul Regional Water Services
serves 392,529 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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