Ramsey County property record for 182 Charles Ave, Saint Paul, MN 55103
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,512 sqft · built 1884 |
| Lot Size | 0.087 acres (3,807 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Mar 2020) |
| Tax Bill | $4,824 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-29-23-14-0112 |
| Primary APN | 36-29-23-14-0112 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 756 sqft |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 3,807 sqft (0.087 acres) |
| Lot Dimensions | 141 ft deep x 27 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Coal |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 188320 |
|---|---|
| Street Address | 182 CHARLES AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55103-2029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAGOFFIN AND BRECKENRIDGES,ADD SUBJ TO & WITH ESMT THE FOL W 1.5 ...37 FT OF S 25 FT OF LOT 13 BLK 3 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 36 |
| Legal Subdivision | MAGOFFIN AND BRECKENRIDGES,ADD |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 32700 |
182 Charles Ave is owned and occupied by an individual who bought it in March 2020.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 182 CHARLES AVE, SAINT PAUL, MN 55103-2029 |
| 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 |
|---|---|
| Jun 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Mar 4, 2020 | Warranty Deed, Transfer · FHA Mortgage ALERUS MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2020 · Amount on File |
| Deed Sale | Mar 4, 2020 · Amount on File |
| Prior Sale | Jun 15, 2016 · Amount on File |
| Deed Document Number | 20204800628 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 182 CHARLES AVE, SAINT PAUL, MN 55103-2029 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 182 CHARLES AVE, SAINT PAUL, MN 55103-2029 |
| Document Number | 0A04991947 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | A04991947 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 321 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Mar 4, 2020 |
| Property Address | 182 CHARLES AVE, SAINT PAUL, MN 55103-2029 |
| Document Number | 0004800628 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 4800628 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2020 |
| Title Company | TITLESMART |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $612.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 182 CHARLES AVE ST PAUL MN 551032029, ST PAUL, MN 55103-2029 |
| Document Number | 4800629 |
|---|---|
| Date | Mar 4, 2020 |
| Instrument | 4800629 |
| Name | ALERUS MTG |
|---|---|
| Type | Mortgage Company |
| Address | MINNETONKA, MN 55305 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 3, 2050 |
| Document Number | 4800630, |
|---|---|
| Date | Mar 4, 2020 |
| Instrument | 4800630 |
| Name | ALERUS MTG |
|---|---|
| Type | Mortgage Company |
| Address | MINNETONKA, MN 55305 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 3, 2050 |
The 2025 property tax bill for 182 Charles Ave was $4,824 with a homeowner's exemption.
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 | $242,500 Land $25,000 Building $217,500 | $242,500 Land $25,000 Building $217,500 | |
| 2025 | $4,824.00 | ||
| 2023 | $3,778.00 Homeowner's exemption | $221,000 Land $20,000 Building $201,000 | $221,000 Land $20,000 Building $201,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 182 Charles 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 182 Charles 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 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
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