2196 Saint Clair Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 2196 Saint Clair Ave, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,306 sqft · built 1929
Lot Size	0.12 acres (5,208 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Feb 2020)
Tax Bill	$11,340 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-28-23-12-0087`

Property Details

APN / Parcel Number

Primary APN	`08-28-23-12-0087`
Alternative APNs	`8295582` `334319`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,306 sqft Living Area
1st Floor Area	1,195 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Stucco
Roof Type	Shed Roof
Lot Area	5,208 sqft (0.12 acres)
Lot Dimensions	124 ft deep x 42 ft wide
Garage Type	Detached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	334319
Street Address	2196 SAINT CLAIR AVE
City	SAINT PAUL
State	MN
Zip	55105-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOUDEN PARK LOT 4 BLK 3
Legal Range	23
Legal Township	28
Legal Section	08
Legal Subdivision	LOUDEN PARK
Legal Block	3
Legal Lot Number	4
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	5
Census Block	5000
Census Tract	43001

Owner

2196 Saint Clair Ave is owned and occupied by two individuals who bought it in February 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2196 SAINT CLAIR AVE, SAINT PAUL, MN 55105-1135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage NBKC BK
Feb 19, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2020 · Amount on File
Deed Sale	Feb 19, 2020 · Amount on File
Prior Sale	Oct 4, 2011 · Amount on File
Deed Document Number	20202659614
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2196 SAINT CLAIR AVE, SAINT PAUL, MN 55105-1135
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02687385
Date	Jan 20, 2021
Instrument	T02687385

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2196 SAINT CLAIR AVE, SAINT PAUL, MN 55105-1135
Document Number	0002666478
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2196 SAINT CLAIR AVE ST PAUL MN 551051135, ST PAUL, MN 55105-1135

Mortgage

Document Number	0002666478
Date	Jun 1, 2020
Instrument	2666478

Lender

Name	NBKC BK
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 19, 2020
Property Address	2196 SAINT CLAIR AVE, SAINT PAUL, MN 55105-1135
Document Number	0002659614
Instrument Date	Jan 8, 2020
Instrument	2659614
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,955.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2196 SAINT CLAIR AVE ST PAUL MN 551051135, ST PAUL, MN 55105-1135

Mortgage

Document Number	2659615
Date	Feb 19, 2020
Instrument	2659615

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2196 Saint Clair Ave was $11,340.

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		$666,700 Land $153,500 Building $513,200	$666,700 Land $153,500 Building $513,200
2025	$11,340.00
2023	$9,528.00	$667,500 Land $153,500 Building $514,000	$667,500 Land $153,500 Building $514,000

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

Flood

FEMA maps place 2196 Saint Clair 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 2196 Saint Clair 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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