Ramsey County property record for 176 Otis Ave, Saint Paul, MN 55104
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,385 sqft · built 1923 |
| Lot Size | 0.341 acres (14,850 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $851,000 (Dec 2017) |
| Tax Bill | $17,884 (2025) |
| Deeds & Mortgages | Oct 2026 Sale Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-28-23-12-0119 |
| Primary APN | 05-28-23-12-0119 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,385 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 450 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Bi-Level |
| Exterior Material | Stucco |
| Lot Area | 14,850 sqft (0.341 acres) |
| Lot Dimensions | 150 ft deep x 99 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 364970 |
|---|---|
| Street Address | 176 OTIS AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55104-5636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESNOYER PARK,RAMSEY CO., MINN LOTS 1 AND 2 AND N 1/2 OF LOT 3 BLK 59 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 05 |
| Legal Subdivision | DESNOYER PARK,RAMSEY CO., MINN |
| Legal Block | 59 |
| Legal Lot Number | 1,2,3 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43002 |
Source: Ramsey County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 176 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 13, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 17, 2018 | Deed of Trust, Mortgage · Line of Credit SIGNATURE FCU |
| Dec 26, 2017 | Warranty Deed, Transfer ALERUS MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2017 · Amount on Record |
| Deed Sale | Dec 26, 2017 · Amount on Record |
| Prior Sale | Jan 31, 2014 · Amount on Record |
| Deed Document Number | 20172604771 |
| Last Transfer Date | Oct 6, 2026 |
| Transfer Doc | 0002825496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 13, 2026 |
| Property Address | 176 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Document Number | 0002825496 |
| Instrument Date | Oct 6, 2026 |
| Instrument | 20262825496 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $171.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 176 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 176 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0T02712591 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | T02712591 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 176 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Document Number | 0002632107 |
| Instrument Date | Dec 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Title Company | LIBERTY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 176 OTIS AVE ST PAUL MN 551045636, ST PAUL, MN 55104-5636 |
| Document Number | 0002632107 |
|---|---|
| Date | Jan 17, 2019 |
| Instrument | 2632107 |
| Name | SIGNATURE FCU |
|---|---|
| Address | ALEXANDRIA, VA 22305 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 16, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Dec 26, 2017 |
| Property Address | 176 OTIS AVE, SAINT PAUL, MN 55104-5636 |
| Document Number | 0002604771 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 2604771 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2018 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,893.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 176 OTIS AVE ST PAUL MN 551045636, ST PAUL, MN 55104-5636 |
| Document Number | 2604772 |
|---|---|
| Date | Dec 26, 2017 |
| Instrument | 2604772 |
| Name | ALERUS MTG |
|---|---|
| Type | Mortgage Company |
| Address | MINNETONKA, MN 55305 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 25, 2047 |
Source: Ramsey County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $1,066,100 (+5.6%) Land $261,600 Building $804,500 | $1,066,100 (+5.6%) Land $261,600 Building $804,500 | |
| 2025 | $17,884.00 (+17.27%) | ||
| 2023 | $15,250.00 | $1,009,600 Land $261,600 Building $748,000 | $1,009,600 Land $261,600 Building $748,000 |
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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