1981 James Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 1981 James Ave, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,339 sqft · built 1946
Lot Size	0.117 acres (5,080 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Jul 2026)
Tax Bill	$7,032 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-28-23-23-0077`

Property Details

APN / Parcel Number

Primary APN	`09-28-23-23-0077`
Alternative APNs	`8353550` `203317`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,339 sqft Living Area
1st Floor Area	1,169 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Family Room	Family Room

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1962
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,080 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 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	203317
Street Address	1981 JAMES AVE
City	SAINT PAUL
State	MN
Zip	55105-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANKEES CLEVELAND VIEW LOT 20 BLK 5
Legal Range	23
Legal Township	28
Legal Section	09
Legal Subdivision	HANKEES CLEVELAND VIEW
Legal Block	5
Legal Lot Number	20
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3002
Census Tract	36300

Owner

1981 James Ave is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1981 JAMES AVE, SAINT PAUL, MN 55105-1719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on File
Deed Sale	Jul 28, 2026 · Amount on File
Prior Sale	Apr 2, 2021 · Amount on File
Deed Document Number	20262820540
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 28, 2026
Property Address	1981 JAMES AVE, SAINT PAUL, MN 55105-1719
Document Number	0002820540
Instrument Date	Jul 24, 2026
Instrument	20262820540
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NORTH TITLE, GREAT NORTH TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142,511.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1981 JAMES AVE, SAINT PAUL, MN 55105-1719

Mortgage

Document Number	0002820541,
Date	Jul 28, 2026
Instrument	20262820541

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 2, 2021
Property Address	1981 JAMES AVE, SAINT PAUL, MN 55105-1719
Document Number	0T02695451
Instrument Date	Mar 31, 2021
Instrument	T02695451
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	EDGEWATER TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,348.05
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	1981 JAMES AVE, SAINT PAUL, MN 55105-1719

Mortgage

Document Number	0T02695452
Date	Apr 2, 2021
Instrument	T02695452

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1981 JAMES AVE, SAINT PAUL, MN 55105-1719
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02691550
Date	Feb 25, 2021
Instrument	T02691550

Lender

Name	BELL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1981 James Ave was $7,032, up 3.7% from the year before.

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		$452,000 (+3.24%) Land $123,600 Building $328,400	$452,000 (+3.24%) Land $123,600 Building $328,400
2025	$7,032.00 (+3.69%)	$437,800 Land $123,600 Building $314,200	$437,800 Land $123,600 Building $314,200
2024	$6,782.00 (+2.48%)
2023	$6,618.00	$431,600 Land $123,600 Building $308,000	$431,600 Land $123,600 Building $308,000

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

Flood

FEMA maps place 1981 James 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.

Wildfire

The area around 1981 James 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.

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 970 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
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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