Ramsey County property record for 1645 Summit Ave, Saint Paul, MN 55105
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 6,594 sqft · built 1922 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,600,000 (Sep 2019) |
| Tax Bill | $29,560 (2023) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-28-23-14-0099 |
| Primary APN | 04-28-23-14-0099 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 6,594 sqft Living Area |
| 1st Floor Area | 2,736 sqft |
| Basement Area | 1,500 sqft |
| Finished Basement | 1,500 sqft |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 184 ft deep x 83 ft wide |
| Terrain | Above Road/Slope |
| Garage Type | Detached |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 1645 SUMMIT AVE |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55105-1831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | P. V. DWYER'S ADD TO ST PAUL LOTS 13 AND LOT 14 BLK 1 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 04 |
| Legal Quarter | 1 |
| Quarter-Quarter Section | 4 |
| Legal Subdivision | P V DWYERS ADD TO ST PAUL |
| Legal Block | 1 |
| Legal Lot Number | 13-14 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 35000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the West Summit Avenue Historic District listed 1993 · 393 contributing resources · NRIS 93000332 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1645 Summit Ave is owned and occupied by an individual who bought it in September 2019.
Source: Ramsey County records, as of April 29, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1645 SUMMIT AVE, SAINT PAUL, MN 55105-1831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 9, 2019 | Warranty Deed, Transfer WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2019 · Amount on File |
| Deed Sale | Sep 19, 2019 · Amount on File |
| Deed Document Number | T02520366 |
| Prior Transfer Date | Dec 30, 2014 |
| Prior Transfer Doc | T02520366 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 1645 SUMMIT AVE, SAINT PAUL, MN 55105-1831 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0A04877701 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | A04877701 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 9, 2019 |
| Property Address | 1645 SUMMIT AVE, SAINT PAUL, MN 55105-1831 |
| Document Number | 0002649728 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 2649728 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2019 |
| Title Company | WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $5,440.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1645 SUMMIT AVE ST PAUL MN 551051831, ST PAUL, MN 55105-1831 |
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 | $29,560.00 | $1,656,900 Land $341,300 Building $1,315,600 | $1,656,900 Land $341,300 Building $1,315,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1645 Summit Ave in Zone X, an area of minimal flood risk.
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.
The area around 1645 Summit Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 506 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 | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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