Ramsey County property record for 130 Otis Ave, Saint Paul, MN 55104
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 2,922 sqft · built 1927 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $730,000 (Oct 2019) |
| Tax Bill | $13,034 (2023) |
| Deeds & Mortgages | Jun 2022 Mortgage Oct 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-28-23-12-0125 |
| Primary APN | 05-28-23-12-0125 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,922 sqft Living Area |
| Gross Area | 3,339 sqft |
| 1st Floor Area | 1,321 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Colonial |
| Exterior Material | Stucco |
| Roof Type | Shed Roof |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 151 ft deep x 104 ft wide |
| Terrain | Steep |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 130 OTIS AVE |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55104-5636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Description | DESNOYER PARK,RAMSEY CO., MINN LOT 1O AND N 6 5/1O FT OF LAUREL AVE VAC ADJ AND LOT 11 BLK 59 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 05 |
| Legal Quarter | 1 |
| Quarter-Quarter Section | 2 |
| Legal Subdivision | DESNOYER PARK,RAMSEY CO, MINN |
| Legal Block | 59 |
| Legal Lot Number | 11,1O |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43002 |
Source: Ramsey County records, as of April 29, 2024
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 | 130 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA |
| Oct 21, 2019 | Warranty Deed, Transfer ASSOCIATED BK |
| Dec 6, 2018 | Trustee's Deed, Foreclosure METRO LEGAL SERVICES, METRO LEGAL |
| Apr 26, 2017 | Warranty Deed, Transfer PRIVATE INDIVIDUAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2019 · Amount on Record |
| Deed Sale | Oct 21, 2019 · Amount on Record |
| Prior Sale | Dec 6, 2018 |
| Deed Document Number | T02650700 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 130 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A04950729 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | A04950729 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.87% |
| Index | 1-Year CMT |
| Max Rate | 8.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 21, 2019 |
| Property Address | 130 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Document Number | 0002650700 |
| Instrument Date | Sep 25, 2019 |
| Instrument | 2650700 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,482.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 130 OTIS AVE ST PAUL MN 551045636, ST PAUL, MN 55104-5636 |
| Document Number | 2650701 |
|---|---|
| Date | Oct 21, 2019 |
| Instrument | 2650701 |
| Name | ASSOCIATED BK |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Dec 6, 2018 |
| Property Address | 130 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Document Number | 0002629418 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 2629418 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 20, 2018 |
| Title Company | METRO LEGAL SERVICES, METRO LEGAL |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,297.81 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 130 OTIS AVE ST PAUL MN 551045636, ST PAUL, MN 55104-5636 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Apr 26, 2017 |
| Property Address | 130 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Document Number | 0002585917 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 2585917 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2017 |
| Title Company | PILLAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,278.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 130 OTIS AVE ST PAUL MN 551045636, ST PAUL, MN 55104-5636 |
| Document Number | 2585918 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 2585918 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | 15707 ROCKFIELD BLVD # 302, IRVINE, CA 92618-2829 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
Source: Ramsey County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $13,034.00 | $801,900 Land $273,600 Building $528,300 | $801,900 Land $273,600 Building $528,300 |
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 | 5 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 99.8% of the US · lower than 99.4% 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 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
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