1870 Morgan Ave, Saint Paul, MN 55116 Property Records

Ramsey County property record for 1870 Morgan Ave, Saint Paul, MN 55116

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,232 sqft · built 1956
Lot Size	0.167 acres (7,260 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Oct 2016)
Tax Bill	$5,890 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-28-23-21-0047`

Property Details

APN / Parcel Number

Primary APN	`21-28-23-21-0047`
Alternative APNs	`8069823` `545791`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Game Room	Game Room

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Lot Area	7,260 sqft (0.167 acres)
Lot Dimensions	121 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	352 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	545791
Street Address	1870 MORGAN AVE
City	SAINT PAUL
State	MN
Zip	55116-2743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BISANZ HIGHLAND PLAINS LOT 11 BLK 2
Legal Range	23
Legal Township	28
Legal Section	21
Legal Subdivision	BISANZ HIGHLAND PLAINS
Legal Block	2
Legal Lot Number	11
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4006
Census Tract	37601

Owner

1870 Morgan Ave is owned and occupied by an individual who bought it in October 2016.

Source: Ramsey County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	1870 MORGAN AVE, SAINT PAUL, MN 55116-2743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Sep 15, 2021	Deed of Trust, Mortgage · ARM WINGS FINANCIAL CU
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
May 10, 2018	Deed of Trust, Mortgage · Line of Credit WINGS FIN'L CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2016 · Amount on File
Deed Sale	Oct 25, 2016 · Amount on File
Prior Sale	Jan 11, 2005 · Amount on File
Deed Document Number	2016581222
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1870 MORGAN AVE, SAINT PAUL, MN 55116-2743
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 MORGAN AVE, SAINT PAUL, MN 55116-2743

Mortgage

Document Number	0T02762123
Date	Oct 3, 2023
Instrument	T02762123

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 2, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1870 MORGAN AVE, SAINT PAUL, MN 55116-2743
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02712108
Date	Sep 15, 2021
Instrument	T02712108

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2036
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1870 MORGAN AVE, SAINT PAUL, MN 55116-2743
Document Number	0004857612
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 MORGAN AVE ST PAUL MN 551162743, ST PAUL, MN 55116-2743

Mortgage

Document Number	0004857612
Date	Jan 15, 2021
Instrument	4857612

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 14, 2046

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1870 MORGAN AVE, SAINT PAUL, MN 55116-2743
Document Number	0002616594
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Jul 4, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 MORGAN AVE ST PAUL MN 551162743, ST PAUL, MN 55116-2743

Mortgage

Document Number	0002616594
Date	Jun 19, 2018
Instrument	2616594

Lender

Name	WINGS FIN'L CU
Address	APPLE VALLEY, MN 55124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 18, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1870 Morgan Ave was $5,890 with a homeowner's exemption.

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		$381,500 Land $92,000 Building $289,500	$381,500 Land $92,000 Building $289,500
2025	$5,890.00
2023	$5,478.00 Homeowner's exemption	$345,900 Land $92,000 Building $253,900	$345,900 Land $92,000 Building $253,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1870 Morgan Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1870 Morgan Ave is low, with less than a 0.01% annual chance of 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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