1321 Saint Clair Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 1321 Saint Clair Ave, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 979 sqft · built 1921
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,252 (Oct 2019)
Tax Bill	$4,998 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-28-23-43-0204`

Property Details

APN / Parcel Number

Primary APN	`03-28-23-43-0204`
Alternative APNs	`8486852` `543051`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	979 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	216 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	543051
Street Address	1321 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 20
Legal Range	23
Legal Township	28
Legal Section	03
Legal Subdivision	HABITATION PLAT NO. 2
Legal Lot Number	20
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 August 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	1321 SAINT CLAIR AVE, SAINT PAUL, MN 55105-2824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit BRIDGEWATER BANK
Oct 4, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2019 · Amount on Record
Deed Sale	Oct 4, 2019 · Amount on Record
Prior Sale	Jul 17, 2014 · Amount on Record
Deed Document Number	20194776891
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1321 SAINT CLAIR AVE, SAINT PAUL, MN 55105-2824
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321

Mortgage

Document Number	0A04901020
Date	Aug 9, 2021
Instrument	A04901020

Lender

Name	BRIDGEWATER BANK
Type	Bank
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 2, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 4, 2019
Property Address	1321 SAINT CLAIR AVE, SAINT PAUL, MN 55105-2824
Document Number	0004776891
Instrument Date	Sep 16, 2019
Instrument	4776891
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$847.45
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1321 SAINT CLAIR AVE ST PAUL MN 551052824, ST PAUL, MN 55105-2824

Mortgage

Document Number	4776892
Date	Oct 4, 2019
Instrument	4776892

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

Tax Assessment & Valuation

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

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
2026		$337,900 (+13.16%) Land $74,800 Building $263,100	$337,900 (+13.16%) Land $74,800 Building $263,100
2025	$4,998.00 (+19.34%)
2023	$4,188.00 Homeowner's exemption	$298,600 Land $74,800 Building $223,800	$298,600 Land $74,800 Building $223,800

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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