2103 Commonwealth Ave, Saint Paul, MN 55108 Property Records

Ramsey County property record for 2103 Commonwealth Ave, Saint Paul, MN 55108

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,114 sqft · built 1925
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Dec 2016)
Tax Bill	$9,782 (2023)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-29-23-41-0110`

Property Details

APN / Parcel Number

Primary APN	`20-29-23-41-0110`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,114 sqft Living Area
Gross Area	1,380 sqft
1st Floor Area	756 sqft
Basement Area	170 sqft
Finished Basement	170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Concrete
Construction Type	Concrete
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	2103 COMMONWEALTH AVE
City	SAINT PAUL
State	MN
Zip	55108-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F
Legal Description	ST ANTHONY PARK NORTH LOT 17 BLK 36
Legal Range	23
Legal Township	29
Legal Section	20
Legal Quarter	4
Quarter-Quarter Section	1
Legal Subdivision	ST ANTHONY PARK NORTH
Legal Block	36
Legal Lot Number	17
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2005
Census Tract	30100

Owner

2103 Commonwealth Ave is owned and occupied by two individuals who bought it in December 2016.

Source: Ramsey County records, as of April 29, 2024

Owner of Record	2 Individual Names on File
Mailing Address	2103 COMMONWEALTH AVE, SAINT PAUL, MN 55108-1715
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL CU
Apr 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTER FOR ENERGY & ENVIRONMENT
Nov 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HIWAY CU
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIWAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2016 · Amount on File
Deed Sale	Dec 23, 2016 · Amount on File
Deed Document Number	A04639702
Record Updated	Jun 7, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2103 COMMONWEALTH AVE, SAINT PAUL, MN 55108-1715
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 COMMONWEALTH AVE, SAINT PAUL, MN 55108-1715

Mortgage

Document Number	0A05093857
Date	Jan 22, 2026
Instrument	A05093857

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 21, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2103 COMMONWEALTH AVE, SAINT PAUL, MN 55108-1715
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04944647
Date	Apr 28, 2022
Instrument	A04944647

Lender

Name	CENTER FOR ENERGY & ENVIRONMENT
Type	Non-Lending Institution
Address	MINNEAPOLIS, MN 55401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 20, 2032

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2103 COMMONWEALTH AVE, SAINT PAUL, MN 55108-1715
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04969451
Date	Nov 1, 2022
Instrument	A04969451

Lender

Name	HIWAY CU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2037

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2103 COMMONWEALTH AVE, SAINT PAUL, MN 55108-1715
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04916465
Date	Nov 1, 2021
Instrument	A04916465

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2103 COMMONWEALTH AVE, SAINT PAUL, MN 55108-1715
Document Number	0004826452
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2103 COMMONWEALTH AVE ST PAUL MN 551081715, ST PAUL, MN 55108-1715

Mortgage

Document Number	0004826452
Date	Aug 10, 2020
Instrument	4826452

Lender

Name	HIWAY FCU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 9, 2035

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

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
2023	$9,782.00	$604,100 Land $134,800 Building $469,300	$604,100 Land $134,800 Building $469,300

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

Flood

FEMA maps place 2103 Commonwealth 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 2103 Commonwealth 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 507 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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