1281 3rd St E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 1281 3rd St E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 2017
Lot Size	0.114 acres (4,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$216,879 (Aug 2017)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-29-22-14-0060`

Property Details

APN / Parcel Number

Primary APN	`33-29-22-14-0060`
Alternative APNs	`8461729` `402393`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,602 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide
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	402393
Street Address	1281 3RD ST E
City	SAINT PAUL
State	MN
Zip	55106-5778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A GOTZIANS RE OF SIGELS ADD LOT 26 BLK 27
Legal Range	22
Legal Township	29
Legal Section	33
Legal Subdivision	A GOTZIANS RE OF SIGELS ADD
Legal Block	27
Legal Lot Number	26
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2030
Census Tract	34601

Owner

Source: Ramsey County records, as of July 21, 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	1281 3RD ST E, SAINT PAUL, MN 55106-5778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit IDEAL CU
May 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 16, 2017	Warranty Deed, Mortgage · FHA Mortgage WATERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2017 · Amount on Record
Deed Sale	Aug 16, 2017 · Amount on Record
Prior Sale	Apr 24, 2015 · Amount on Record
Deed Document Number	20172594446
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1281 3RD ST E, SAINT PAUL, MN 55106-5778
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1281 3RD ST E, SAINT PAUL, MN 55106-5778

Mortgage

Document Number	0T02756393
Date	Jun 26, 2023
Instrument	T02756393

Lender

Name	IDEAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1281 3RD ST E, SAINT PAUL, MN 55106-5778
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04946094
Date	May 9, 2022
Instrument	A04946094

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

August 2017: Warranty Deed, Mortgage

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 16, 2017
Property Address	1281 3RD ST E, SAINT PAUL, MN 55106-5778
Document Number	0002594446
Instrument Date	Aug 2, 2017
Instrument	2594446
Transaction Type	Mortgage
Record Updated	Aug 23, 2017
Title Company	CITIES TITLE SERVICES LLC, CITIES TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$2.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1281 3RD ST E ST PAUL MN 551065778, ST PAUL, MN 55106-5778

Mortgage

Document Number	2594447
Date	Aug 16, 2017
Instrument	2594447

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of July 28, 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	$5,092.00 (+1.68%) Homeowner's exemption	$315,900 (-7.6%) Land $22,500 Building $293,400	$315,900 (-7.6%) Land $22,500 Building $293,400
2023	$5,008.00 Homeowner's exemption	$341,900 Land $14,400 Building $327,500	$341,900 Land $14,400 Building $327,500

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 371 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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