1886 Morgan Ave, Saint Paul, MN 55116 Property Records

Ramsey County property record for 1886 Morgan Ave, Saint Paul, MN 55116

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 952 sqft · built 1956
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (May 2022)
Tax Bill	$5,952 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-28-23-21-0045`

Property Details

APN / Parcel Number

Primary APN	`21-28-23-21-0045`
Alternative APNs	`8068180` `86443`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	952 sqft Living Area
1st Floor Area	952 sqft
Basement Area	510 sqft
Finished Basement	510 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	144 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	308 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	86443
Street Address	1886 MORGAN AVE
City	SAINT PAUL
State	MN
Zip	55116-2743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BISANZ HIGHLAND PLAINS E 3 FT OF LOT 8 AND ALL OF LOT 9 BLK 2
Legal Range	23
Legal Township	28
Legal Section	21
Legal Subdivision	BISANZ HIGHLAND PLAINS
Legal Block	2
Legal Lot Number	8,9
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4006
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	2 Individual Names on Record
Mailing Address	1886 MORGAN AVE, SAINT PAUL, MN 55116-2743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	Sep 24, 1998 · Amount on Record
Deed Document Number	20222731753
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 10, 2022
Property Address	1886 MORGAN AVE, SAINT PAUL, MN 55116-2743
Document Number	0T02731753
Instrument Date	Apr 7, 2022
Instrument	T02731753
Transaction Type	Transfer
Record Updated	Dec 28, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1886 MORGAN AVE, SAINT PAUL, MN 55116-2743

Mortgage

Document Number	0T02731754
Date	May 10, 2022
Instrument	T02731754

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1886 MORGAN AVE, SAINT PAUL, MN 55116-2743
Document Number	0004809324
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1886 MORGAN AVE ST PAUL MN 551162743, ST PAUL, MN 55116-2743

Mortgage

Document Number	0004809324
Date	May 4, 2020
Instrument	4809324

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1886 MORGAN AVE, SAINT PAUL, MN 55116-2743
Document Number	0002611628
Instrument Date	Mar 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1886 MORGAN AVE ST PAUL MN 551162743, ST PAUL, MN 55116-2743

Mortgage

Document Number	0002611628
Date	Apr 6, 2018
Instrument	2611628

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2048

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		$378,500 (+14.32%) Land $91,200 Building $287,300	$378,500 (+14.32%) Land $91,200 Building $287,300
2025	$5,952.00 (+24.68%)
2023	$4,774.00 Homeowner's exemption	$331,100 Land $91,200 Building $239,900	$331,100 Land $91,200 Building $239,900

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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