1865 Morgan Ave, Saint Paul, MN 55116 Property Records

Ramsey County property record for 1865 Morgan Ave, Saint Paul, MN 55116

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 875 sqft · built 1956
Lot Size	0.134 acres (5,830 sqft)
Owner	Individual Name on Record
Tax Bill	$4,398 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`21-28-23-21-0022`

Property Details

APN / Parcel Number

Primary APN	`21-28-23-21-0022`
Alternative APNs	`8486422` `542575`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	875 sqft Living Area
1st Floor Area	875 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Lot Area	5,830 sqft (0.134 acres)
Lot Dimensions	110 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	360 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	542575
Street Address	1865 MORGAN AVE
City	SAINT PAUL
State	MN
Zip	55116-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BISANZ HIGHLAND PLAINS LOT 13 BLK 1
Legal Range	23
Legal Township	28
Legal Section	21
Legal Subdivision	BISANZ HIGHLAND PLAINS
Legal Block	1
Legal Lot Number	13
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4004
Census Tract	37601

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	1865 MORGAN AVE, SAINT PAUL, MN 55116-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOPLINE FCU
Nov 28, 2017	Loan Modification, Mortgage · Conventional Mortgage NEIGHBORWORKS HM PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1865 MORGAN AVE, SAINT PAUL, MN 55116-2713
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02733220
Date	Jun 1, 2022
Instrument	T02733220

Lender

Name	TOPLINE FCU
Type	Credit Union
Address	OSSEO, MN 55369

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	1865 MORGAN AVE, SAINT PAUL, MN 55116-2713
Document Number	0002603988
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Mar 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 MORGAN AVE ST PAUL MN 551162713, ST PAUL, MN 55116-2713

Mortgage

Document Number	0002603988
Date	Dec 14, 2017
Instrument	2603988

Lender

Name	NEIGHBORWORKS HM PTRS
Address	SAINT PAUL, MN 55103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	984 Months
Due	Dec 13, 2099

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		$272,300 (+15.14%) Land $80,300 Building $192,000	$272,300 (+15.14%) Land $80,300 Building $192,000
2025	$4,398.00 (+7.58%)
2023	$4,088.00 Homeowner's exemption	$236,500 Land $80,300 Building $156,200	$236,500 Land $80,300 Building $156,200

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	2 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	Low lower than 99.1% of the US · lower than 96% 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.

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 479 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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