1278 Sargent Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 1278 Sargent Ave, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,322 sqft · built 1941
Lot Size	0.091 acres (3,964 sqft)
Owner	Trust Name on File
Last Sale	$310,000 (Mar 2020)
Tax Bill	$5,526 (2025)
Deeds & Mortgages	Nov 2025 Transfer Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-28-23-43-0175`

Property Details

APN / Parcel Number

Primary APN	`03-28-23-43-0175`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,322 sqft Living Area
1st Floor Area	986 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	3,964 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1278 SARGENT AVE
City	SAINT PAUL
State	MN
Zip	55105-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Description	STINSON'S BOULEVARD LOT 15 BLK 13
Legal Range	23
Legal Township	28
Legal Section	03
Legal Quarter	4
Quarter-Quarter Section	3
Legal Subdivision	BOULEVARD
Legal Block	13
Legal Lot Number	15
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4013
Census Tract	35300

Owner

1278 Sargent Ave is held in a trust since November 2025.

Source: Ramsey County records, as of December 1, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	1109 E LARK ST, BRANDON, SD 57005-1409
Owner Type	Company
Vesting	Trust

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
Nov 19, 2025	Quit Claim Deed, Transfer Quitclaim
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Mar 20, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Mar 20, 2020 · Amount on File
Deed Sale	Mar 20, 2020 · Amount on File
Prior Sale	Mar 20, 2020 · Amount on File
Deed Document Number	0004803131
Last Transfer Date	Nov 19, 2025
Transfer Doc	0A05087075
Record Updated	Jun 8, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 19, 2025
Property Address	1278 SARGENT AVE, SAINT PAUL, MN 55105-2719
Document Number	0A05087075
Instrument Date	Sep 24, 2025
Instrument	A05087075
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1109 E LARK ST, BRANDON, SD 57005-1409

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1278 SARGENT AVE, SAINT PAUL, MN 55105-2719
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04863596
Date	Feb 10, 2021
Instrument	A04863596

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 20, 2020
Property Address	1278 SARGENT AVE, SAINT PAUL, MN 55105-2719
Document Number	0004803131
Instrument Date	Mar 6, 2020
Instrument	4803131
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	TRADEMARK TITLE SERVICES INC, TRADEMARK TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10247 NOTTINGHAM TRL EDEN PRAIRIE MN 553473166, EDEN PRAIRIE, MN 55347-3166

Mortgage

Document Number	4803132
Date	Mar 20, 2020
Instrument	4803132

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1278 Sargent Ave was $5,526.

Source: Ramsey County assessment roll, as of February 1, 2025

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
2025	$5,526.00	$332,600 Land $90,800 Building $241,800	$332,600 Land $90,800 Building $241,800
2023	$5,070.00	$313,900 Land $90,800 Building $223,100	$313,900 Land $90,800 Building $223,100

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

Flood

FEMA maps place 1278 Sargent Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1278 Sargent Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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