1286 Fairmount Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 1286 Fairmount Ave, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,240 sqft · built 1923
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Company Names on Record
Last Sale	$650,000 (Jun 2026)
Tax Bill	$10,180 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-28-23-43-0082`

Property Details

APN / Parcel Number

Primary APN	`03-28-23-43-0082`
Alternative APNs	`8133204` `157208`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,240 sqft Living Area
1st Floor Area	1,283 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1971
Architectural Style	Cape Cod
Exterior Material	Stucco
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	157208
Street Address	1286 FAIRMOUNT AVE
City	SAINT PAUL
State	MN
Zip	55105-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STINSONS BOULEVARD LOT 2 BLK 10
Legal Range	23
Legal Township	28
Legal Section	03
Legal Subdivision	STINSONS BOULEVARD
Legal Block	10
Legal Lot Number	2
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4008
Census Tract	35300

Owner

Source: Ramsey County records, as of July 6, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1286 FAIRMOUNT AVE, SAINT PAUL, MN 55105-2703
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 15, 2022	Deed of Trust, Mortgage · Line of Credit TOPLINE FCU
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit TOPLINE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Jun 18, 2003 · Amount on Record
Deed Document Number	20265111215
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 26, 2026
Property Address	1286 FAIRMOUNT AVE, SAINT PAUL, MN 55105-2703
Document Number	0005111215
Instrument Date	Jun 15, 2026
Instrument	20265111215
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	WATERMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1286 FAIRMOUNT AVE, SAINT PAUL, MN 55105-2703

Mortgage

Document Number	0005111215,
Date	Jun 26, 2026
Instrument	20265111215

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1286 FAIRMOUNT AVE, SAINT PAUL, MN 55105-2703
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04942663
Date	Apr 15, 2022
Instrument	A04942663

Lender

Name	TOPLINE FCU
Type	Credit Union
Address	OSSEO, MN 55369

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1286 FAIRMOUNT AVE, SAINT PAUL, MN 55105-2703
Document Number	0004655637
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	May 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1286 FAIRMOUNT AVE ST PAUL MN 551052703, ST PAUL, MN 55105-2703

Mortgage

Document Number	0004655637
Date	Apr 21, 2017
Instrument	4655637

Lender

Name	TOPLINE FCU
Type	Credit Union
Address	MAPLE GROVE, MN 55369

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 20, 2032

Interest

Rate Type	Adjustable Rate

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	$10,180.00 (+6.53%)	$609,900 (+8.68%) Land $129,800 Building $480,100	$609,900 (+8.68%) Land $129,800 Building $480,100
2024	$9,556.00 (-0.06%)
2023	$9,562.00	$561,200 Land $129,800 Building $431,400	$561,200 Land $129,800 Building $431,400

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 · 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

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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