1255 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 1255 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,008 sqft · built 1916
Lot Size	0.114 acres (4,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Apr 2025)
Tax Bill	$4,126 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-29-23-13-0052`

Property Details

APN / Parcel Number

Primary APN	`34-29-23-13-0052`
Alternative APNs	`8306556` `346261`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	720 sqft
Family Room	Family Room

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1967
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Wood
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	346261
Street Address	1255 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SYNDICATE NO. 5 ADDITION LOT 22 BLK 24
Legal Range	23
Legal Township	29
Legal Section	34
Legal Subdivision	SYNDICATE NO. 5 ADDITION
Legal Block	24
Legal Lot Number	22
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3005
Census Tract	32300

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 Record	2 Individual Names on Record
Mailing Address	1255 CHARLES AVE, SAINT PAUL, MN 55104-2517
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 9, 2021	Deed of Trust, Mortgage · Line of Credit BOUNDARY WATERS BANK
Nov 4, 2020	Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG
Sep 11, 2018	Warranty Deed, Transfer · Conventional with PMI ALERUS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on Record
Deed Sale	Apr 16, 2025 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	20255061835
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1255 CHARLES AVE, SAINT PAUL, MN 55104-2517
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1255 CHARLES AVE, SAINT PAUL, MN 55104-2517

Mortgage

Document Number	0A05079236
Date	Sep 16, 2025
Instrument	A05079236

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1255 CHARLES AVE, SAINT PAUL, MN 55104-2517
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04863272
Date	Feb 9, 2021
Instrument	A04863272

Lender

Name	BOUNDARY WATERS BANK
Type	Bank
Address	MINNEAPOLIS, MN 55449

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jan 21, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1255 CHARLES AVE, SAINT PAUL, MN 55104-2517
Document Number	0004852229
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	TITLESMART

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1255 CHARLES AVE ST PAUL MN 551042517, ST PAUL, MN 55104-2517

Mortgage

Document Number	0004852229
Date	Dec 17, 2020
Instrument	4852229

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 11, 2018
Property Address	1255 CHARLES AVE, SAINT PAUL, MN 55104-2517
Document Number	0004726057
Instrument Date	Aug 9, 2018
Instrument	4726057
Transaction Type	Transfer
Record Updated	Sep 21, 2018
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1255 CHARLES AVE ST PAUL MN 551042517, ST PAUL, MN 55104-2517

Mortgage

Document Number	4726058
Date	Sep 11, 2018
Instrument	4726058

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2048

Tax Assessment & Valuation

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		$269,800 (+10.76%) Land $35,000 Building $234,800	$269,800 (+10.76%) Land $35,000 Building $234,800
2025	$4,126.00 (+10.14%)
2023	$3,746.00 Homeowner's exemption	$243,600 Land $35,000 Building $208,600	$243,600 Land $35,000 Building $208,600

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 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

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

Wildfire Risk	Not 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 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 839 locations within half a mile, as of December 31, 2025

Provider	Max 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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