Ramsey County property record for 1296 Osage St, Saint Paul, MN 55117
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,352 sqft · built 1940 |
| Lot Size | 0.173 acres (7,540 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,198 (2025) |
| Deeds & Mortgages | Aug 2025 Mortgage Dec 2024 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-23-43-0064 |
| Primary APN | 23-29-23-43-0064 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Basement Area | 240 sqft |
| Finished Basement | 240 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bi-Level |
| Exterior Material | Stucco |
| Lot Area | 7,540 sqft (0.173 acres) |
| Lot Dimensions | 145 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 455847 |
|---|---|
| Street Address | 1296 OSAGE ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55117-4062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMO HEIGHTS ADDITION TO,THE C LOT 12 BLK 4 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 23 |
| Legal Subdivision | COMO HEIGHTS ADDITION TO,THE C |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 4 |
| Census Block | 4037 |
| Census Tract | 30300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 6153 25TH ST N, SAINT PAUL, MN 55128-3705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST |
| Dec 30, 2024 | Intrafamily Transfer, Transfer |
| Dec 27, 2024 | Deed of Distribution, Transfer |
| Nov 6, 2024 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 23, 2024 |
| Transfer Doc | 0005050375 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1296 OSAGE ST, SAINT PAUL, MN 55117-4062 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Title Company | ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0A05074748 |
|---|---|
| Date | Aug 6, 2025 |
| Instrument | A05074748 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.79% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | 3 Years |
| Min Rate At Change | 6.99% |
| Max Rate At Change | 13.7% |
| Index | 3-Year CMT |
| Max Rate | 13.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Dec 30, 2024 |
| Property Address | 1296 OSAGE ST, SAINT PAUL, MN 55117-4062 |
| Document Number | 0A05050640 |
| Instrument Date | Dec 23, 2024 |
| Instrument | A05050640 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6153 25TH ST N, OAKDALE, MN 55128-3705 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Dec 27, 2024 |
| Property Address | 1296 OSAGE ST, SAINT PAUL, MN 55117-4062 |
| Document Number | 0A05050375 |
| Instrument Date | Dec 23, 2024 |
| Instrument | A05050375 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6153 25TH ST N, OAKDALE, MN 55128-3705 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Nov 6, 2024 |
| Property Address | 1296 OSAGE ST, SAINT PAUL, MN 55117-4062 |
| Document Number | 0A05044842 |
| Instrument Date | Oct 29, 2024 |
| Instrument | A05044842 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1246 OSAGE ST, SAINT PAUL, MN 55117-4030 |
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $326,100 (-0.58%) Land $60,000 Building $266,100 | $326,100 (-0.58%) Land $60,000 Building $266,100 | |
| 2025 | $5,198.00 (+13.54%) Homeowner's exemption | $328,000 (+7.58%) Land $60,000 Building $268,000 | $328,000 (+7.58%) Land $60,000 Building $268,000 |
| 2023 | $4,578.00 Homeowner's exemption | $304,900 Land $60,000 Building $244,900 | $304,900 Land $60,000 Building $244,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 529 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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