Ramsey County property record for 196 Baker St E, Saint Paul, MN 55107
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,306 sqft · built 1885 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Jan 2026) |
| Tax Bill | $3,372 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-28-22-31-0010 |
| Primary APN | 08-28-22-31-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,306 sqft Living Area |
| 1st Floor Area | 844 sqft |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,250 sqft (0.144 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 225100 |
|---|---|
| Street Address | 196 BAKER ST E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55107-3001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODBURY AND CASES,ADDITION T EX ALLEY LOT 3 BLK 9 |
| Legal Range | 22 |
| Legal Township | 28 |
| Legal Section | 08 |
| Legal Subdivision | WOODBURY AND CASES,ADDITION T |
| Legal Block | 9 |
| Legal Lot Number | 3 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 5 |
| Census Block | 5003 |
| Census Tract | 37200 |
Source: Ramsey County records, as of August 24, 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 | 196 BAKER ST E, SAINT PAUL, MN 55107-3001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Jan 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| Aug 8, 2017 | Warranty Deed, Transfer WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2026 · Amount on Record |
| Deed Sale | Jan 30, 2026 · Amount on Record |
| Prior Sale | Aug 8, 2017 · Amount on Record |
| Deed Document Number | 20265094695 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 196 BAKER ST E, SAINT PAUL, MN 55107-3001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0A04904680 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | A04904680 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jan 30, 2026 |
| Property Address | 196 BAKER ST E, SAINT PAUL, MN 55107-3001 |
| Document Number | 0A05094695 |
| Instrument Date | Jan 23, 2026 |
| Instrument | A05094695 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Title Company | TITLESMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $759.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 BAKER ST E, SAINT PAUL, MN 55107-3001 |
| Document Number | 0A05094696 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | A05094696 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Number | 0A05094697 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | A05094697 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Aug 8, 2017 |
| Property Address | 196 BAKER ST E, SAINT PAUL, MN 55107-3001 |
| Document Number | 0004670996 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 4670996 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2018 |
| Title Company | TITLE SMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $482.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 BAKER ST E ST PAUL MN 551073001, ST PAUL, MN 55107-3001 |
| Document Number | 4670997 |
|---|---|
| Date | Aug 8, 2017 |
| Instrument | 4670997 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 7, 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 | $231,700 (-) Land $27,300 Building $204,400 | $231,700 (-) Land $27,300 Building $204,400 | |
| 2025 | $3,372.00 (+24.52%) Homeowner's exemption | $231,700 (+6.24%) Land $27,300 Building $204,400 | $231,700 (+6.24%) Land $27,300 Building $204,400 |
| 2023 | $2,708.00 Homeowner's exemption | $218,100 Land $21,100 Building $197,000 | $218,100 Land $21,100 Building $197,000 |
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
| 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.
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 607 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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