1315 Saint Clair Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 1315 Saint Clair Ave, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,046 sqft · built 1922
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$388,500 (Jun 2026)
Tax Bill	$6,178 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-28-23-43-0206`

Property Details

APN / Parcel Number

Primary APN	`03-28-23-43-0206`
Alternative APNs	`8080664` `8083510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,046 sqft Living Area
1st Floor Area	873 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8083510
Street Address	1315 SAINT CLAIR AVE
City	SAINT PAUL
State	MN
Zip	55105-2824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HABITATION PLAT NO. 2 LOT 22
Legal Range	23
Legal Township	28
Legal Section	03
Legal Subdivision	HABITATION PLAT NO. 2
Legal Lot Number	22
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4012
Census Tract	35300

Owner

Source: Ramsey County records, as of July 7, 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	1023 BLUE HERON WAY, TARPON SPRINGS, FL 34689-7142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 24, 2021	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Apr 11, 2018	Grant Deed, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	May 24, 2021 · Amount on Record
Deed Document Number	20265111628
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 30, 2026
Property Address	1315 SAINT CLAIR AVE, SAINT PAUL, MN 55105-2824
Document Number	0005111628
Instrument Date	Jun 18, 2026
Instrument	20265111628
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NORTH TITLE, GREAT NORTH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133,410.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1023 BLUE HERON WAY, TARPON SPRINGS, FL 34689-7142
Investor	Possibly a Property Investor

Mortgage

Document Number	0005111629,
Date	Jun 30, 2026
Instrument	20265111629

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%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 24, 2021
Property Address	1315 SAINT CLAIR AVE, SAINT PAUL, MN 55105-2824
Document Number	0A04885790
Instrument Date	May 14, 2021
Instrument	A04885790
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,254.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1315 SAINT CLAIR AVE, SAINT PAUL, MN 55105-2824

Mortgage

Document Number	0A04885791
Date	May 24, 2021
Instrument	A04885791

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

April 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 11, 2018
Property Address	1315 SAINT CLAIR AVE, SAINT PAUL, MN 55105-2824
Document Number	0004705426
Instrument Date	Apr 9, 2018
Instrument	4705426
Transaction Type	Mortgage
Record Updated	Apr 20, 2018
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$1.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1315 SAINT CLAIR AVE ST PAUL MN 551052824, ST PAUL, MN 55105-2824

Mortgage

Document Number	4705427
Date	Apr 11, 2018
Instrument	4705427

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

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	$6,178.00 (+8.2%) Homeowner's exemption	$410,900 (+10.61%) Land $74,800 Building $336,100	$410,900 (+10.61%) Land $74,800 Building $336,100
2024	$5,710.00 (-1.45%)
2023	$5,794.00 Homeowner's exemption	$371,500 Land $74,800 Building $296,700	$371,500 Land $74,800 Building $296,700

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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