Ramsey County property record for 2004 Laurel Ave, Saint Paul, MN 55104
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,440 sqft · built 1910 |
| Lot Size | 0.153 acres (6,665 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Nov 2020) |
| Tax Bill | $7,518 (2023) |
| Deeds & Mortgages | Sep 2023 Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-28-23-23-0022 |
| Primary APN | 04-28-23-23-0022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 754 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Colonial |
| Exterior Material | Concrete |
| Construction Type | Concrete |
| Lot Area | 6,665 sqft (0.153 acres) |
| Lot Dimensions | 167 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 2004 LAUREL AVE |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55104-5808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E |
| Legal Description | MERRIAM PARK THIRD ADDITION,TO LOT 4 BLK 2 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 04 |
| Legal Quarter | 2 |
| Quarter-Quarter Section | 22 |
| Legal Subdivision | MERRIAM PARK THIRD ADDITION,TO |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 34900 |
2004 Laurel Ave is owned and occupied by an individual who bought it in November 2020.
Source: Ramsey County records, as of April 29, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2004 LAUREL AVE, SAINT PAUL, MN 55104-5808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed of Trust, Mortgage · Commercial Mortgage BELL BANK |
| Nov 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage BELL BK |
| Apr 3, 2020 | Warranty Deed, Construction Loan · Line of Credit BANKCHEROKEE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2020 · Amount on File |
| Deed Sale | Nov 6, 2020 · Amount on File |
| Prior Sale | Apr 3, 2020 · Amount on File |
| Deed Document Number | A04843383 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2004 LAUREL AVE, SAINT PAUL, MN 55104-5808 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2004 LAUREL AVE, SAINT PAUL, MN 55104-5808 |
| Document Number | 0A05002927 |
|---|---|
| Date | Sep 26, 2023 |
| Instrument | A05002927 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55125 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 25, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Nov 6, 2020 |
| Property Address | 2004 LAUREL AVE, SAINT PAUL, MN 55104-5808 |
| Document Number | 0004843383 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 4843383 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2020 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,496.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2004 LAUREL AVE ST PAUL MN 551045808, ST PAUL, MN 55104-5808 |
| Document Number | 4843384 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 4843384 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Apr 3, 2020 |
| Property Address | 2004 LAUREL AVE, SAINT PAUL, MN 55104-5808 |
| Document Number | 0004804997 |
| Instrument Date | Apr 2, 2020 |
| Instrument | 4804997 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 30, 2020 |
| Title Company | BURNET TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,020.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1991 FORD PKWY ST PAUL MN 551161923, ST PAUL, MN 55116-1923 |
| Document Number | 4804998 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 4804998 |
| Name | BANKCHEROKEE |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 2, 2021 |
| Rate Type | Adjustable Rate |
|---|
Source: Ramsey County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $7,518.00 | $497,500 Land $104,800 Building $392,700 | $497,500 Land $104,800 Building $392,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2004 Laurel 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.
The area around 2004 Laurel 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.
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 510 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 |
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