1431 Scheffer Ave, Saint Paul, MN 55116 Property Records

Ramsey County property record for 1431 Scheffer Ave, Saint Paul, MN 55116

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 957 sqft · built 1945
Lot Size	0.129 acres (5,625 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (May 2025)
Tax Bill	$636 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-28-23-34-0150`

Property Details

APN / Parcel Number

Primary APN	`10-28-23-34-0150`
Alternative APNs	`8072898` `91685`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	957 sqft Living Area
1st Floor Area	807 sqft
Basement Area	364 sqft
Finished Basement	364 sqft
Game Room	Game Room

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,625 sqft (0.129 acres)
Lot Dimensions	125 ft deep x 45 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	400 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	91685
Street Address	1431 SCHEFFER AVE
City	SAINT PAUL
State	MN
Zip	55116-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENSINGTON PARK ADDITION,TO ST E 15 FT OF LOT 9 AND EX E 1O FT LOT 8 BLK 2
Legal Range	23
Legal Township	28
Legal Section	10
Legal Subdivision	KENSINGTON PARK ADDITION,TO ST
Legal Block	2
Legal Lot Number	9,8
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1015
Census Tract	36500

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	Individual Name on Record
Mailing Address	1431 SCHEFFER AVE, SAINT PAUL, MN 55116-2247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Oct 29, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED SEC FIN'L
May 6, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED SEC FIN'L
Aug 9, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Jun 28, 2004 · Amount on Record
Deed Document Number	20252793701
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	May 8, 2026
Property Address	1431 SCHEFFER AVE, SAINT PAUL, MN 55116-2247
Document Number	0002815488
Instrument Date	May 8, 2026
Instrument	20262815488
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1439 BAYARD AVE, SAINT PAUL, MN 55116-1645
Investor	Possibly a Property Investor

Mortgage

Document Number	0002815488,
Date	May 8, 2026
Instrument	20262815488

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1431 SCHEFFER AVE, SAINT PAUL, MN 55116-2247
Document Number	0004843385
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1431 SCHEFFER AVE ST PAUL MN 551162247, ST PAUL, MN 55116-2247

Mortgage

Document Number	0004843385
Date	Nov 6, 2020
Instrument	4843385

Lender

Name	UNITED SEC FIN'L
Type	Funding / Finance Company
Address	MURRAY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1431 SCHEFFER AVE, SAINT PAUL, MN 55116-2247
Document Number	0002639525
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jun 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14314 SCHEFFER AVE ST PAUL MN 55116, ST PAUL, MN 55116

Mortgage

Document Number	0002639525
Date	May 28, 2019
Instrument	2639525

Lender

Name	UNITED SEC FIN'L
Type	Funding / Finance Company
Address	MURRAY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1431 SCHEFFER AVE, SAINT PAUL, MN 55116-2247
Document Number	0002621583
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1431 SCHEFFER AVE ST PAUL MN 551162247, ST PAUL, MN 55116-2247

Mortgage

Document Number	0002621583
Date	Aug 20, 2018
Instrument	2621583

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

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		$358,200 (+5.07%) Land $134,600 Building $223,600	$358,200 (+5.07%) Land $134,600 Building $223,600
2025	$636.00 (-87.07%)	$340,900 (+5.54%) Land $134,600 Building $206,300	$340,900 (+5.54%) Land $134,600 Building $206,300
2024	$4,920.00 (-1.01%)
2023	$4,970.00 Homeowner's exemption	$323,000 Land $134,600 Building $188,400	$323,000 Land $134,600 Building $188,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 726 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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