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1287 Stuart St, Saint Paul, MN 55110 Property Records

Ramsey County property record for 1287 Stuart St, Saint Paul, MN 55110

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,014 sqft · built 1983
Lot Size0.377 acres (16,400 sqft)
Owner2 Individual Names on File
Last Sale$350,000 (Jan 2024)
Tax Bill$4,494 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN04-30-22-44-0070

Property Details

APN / Parcel Number

Primary APN04-30-22-44-0070
Alternative APNs
  • 8431424
  • 482578

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,014 sqft Living Area
1st Floor Area1,014 sqft
Basement Area500 sqft
Finished Basement500 sqft
Family RoomFamily Room

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1990
Architectural StyleSplit Level
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area16,400 sqft (0.377 acres)
Lot Dimensions205 ft deep x 80 ft wide
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number482578
Street Address1287 STUART ST
CitySAINT PAUL
StateMN
Zip55110-2226
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOTTER HILLS ADDITION LOT 8 BLK 2
Legal Range22
Legal Township30
Legal Section04
Legal SubdivisionOTTER HILLS ADDITION
Legal Block2
Legal Lot Number8
JurisdictionRAMSEY MN
Township / Civil DivisionWHITE BEAR
Census Block Group2
Census Block2001
Census Tract40101

Owner

1287 Stuart St is owned and occupied by two individuals who bought it in January 2024.

Source: Ramsey County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address1287 STUART ST, SAINT PAUL, MN 55110-2226
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 29, 2024Warranty Deed, Transfer · Conventional Mortgage
THE HUNTINGTON NATIONAL BANK
Aug 31, 2020Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 29, 2024 · Amount on File
Deed SaleJan 29, 2024 · Amount on File
Prior SaleMay 12, 2015 · Amount on File
Deed Document Number20245015276
Prior Transfer DateDec 18, 2013
Prior Transfer Doc0004439648
Record UpdatedOct 29, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateJan 29, 2024
Property Address1287 STUART ST, SAINT PAUL, MN 55110-2226
Document Number0A05015276
Instrument DateJan 12, 2024
InstrumentA05015276
Transaction TypeTransfer
Record UpdatedFeb 15, 2024
Title CompanyBURNETT TITLE, BURNET TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,155.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address1287 STUART ST, WHITE BEAR TOWNSHIP, MN 55110-2226

Mortgage

Document Number0A05015277
DateJan 29, 2024
InstrumentA05015277
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2054

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address1287 STUART ST, WHITE BEAR LAKE, MN 55110-2226
Document Number0004831144
Instrument DateAug 31, 2020
Transaction TypeMortgage
Record UpdatedSep 23, 2020
Title CompanyTRI-COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address1287 STUART ST ST PAUL MN 551102226, ST PAUL, MN 55110-2226

Mortgage

Document Number0004831144
DateSep 4, 2020
Instrument4831144
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueSep 3, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1287 Stuart St was $4,494 with a homeowner's exemption.

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
County SubdivisionWhite Bear Township
Unified School DistrictWhite Bear Lake School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$363,800 (-0.08%) Land $85,600 Building $278,200$363,800 (-0.08%) Land $85,600 Building $278,200
2025$4,494.00 Homeowner's exemption$364,100 Land $85,600 Building $278,500$364,100 Land $85,600 Building $278,500
2023$4,294.00 Homeowner's exemption$348,700 Land $85,600 Building $263,100$348,700 Land $85,600 Building $263,100

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

Flood

FEMA maps place 1287 Stuart St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 20, 2026

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

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

Wildfire

Wildfire risk around 1287 Stuart St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemWhite Bear Township
serves 11,699 people · EPA ID MN1620025
Water SourceGroundwater
Last State InspectionJun 2025
Lead1 ppb (2020–2022)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 188 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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