Ramsey County property record for 2409 12th Ave E, Saint Paul, MN 55109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 720 sqft · built 1942 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,900 (Nov 2024) |
| Tax Bill | $3,860 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-29-22-24-0020 |
| Primary APN | 12-29-22-24-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 280 sqft |
| Finished Basement | 280 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 952 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 590304 |
|---|---|
| Street Address | 2409 12TH AVE E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55109-2416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOURTH ADDITION TO NORTH,ST. P LOTS 21 AND LOT 22 BLK 24 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 12 |
| Legal Subdivision | FOURTH ADDITION TO NORTH,ST. P |
| Legal Block | 24 |
| Legal Lot Number | 21,22 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | NORTH ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 42601 |
Source: Ramsey County records, as of August 21, 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 | 2409 12TH AVE E, SAINT PAUL, MN 55109-2416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 15, 2021 | Deed of Trust, Mortgage ASSOCIATED HEALTHCARE CU |
| Nov 15, 2024 | Warranty Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC |
| Jan 7, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2024 · Amount on Record |
| Deed Sale | Nov 15, 2024 · Amount on Record |
| Prior Sale | Sep 17, 2004 · Amount on Record |
| Deed Document Number | 20242784917 |
| Prior Transfer Date | Dec 12, 2019 |
| Prior Transfer Doc | 0004791349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 2409 12TH AVE E, NORTH ST PAUL, MN 55109-2416 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0T02706029 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | T02706029 |
| Name | ASSOCIATED HEALTHCARE CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55102 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 13, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Nov 15, 2024 |
| Property Address | 2409 12TH AVE E, NORTH ST PAUL, MN 55109-2416 |
| Document Number | 0T02784917 |
| Instrument Date | Oct 31, 2024 |
| Instrument | T02784917 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | ANCONA TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $956.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2409 12TH AVE E, NORTH SAINT PAUL, MN 55109-2416 |
| Document Number | 0T02784918 |
|---|---|
| Date | Nov 15, 2024 |
| Instrument | T02784918 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Number | 0T02784919 |
|---|---|
| Date | Nov 15, 2024 |
| Instrument | T02784919 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jan 7, 2020 |
| Property Address | 2409 12TH AVE E, NORTH ST PAUL, MN 55109-2416 |
| Document Number | 0004791349 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 4791349 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2409 12TH AVE E NORTH ST PAUL MN 551092416, NORTH ST PAUL, MN 55109-2416 |
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | North St. Paul City |
| Unified School District | North St. Paul-Maplewood-Oakdale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $311,700 (+8.53%) Land $58,500 Building $253,200 | $311,700 (+8.53%) Land $58,500 Building $253,200 | |
| 2025 | $3,860.00 (+4.38%) Homeowner's exemption | $287,200 (+6.33%) Land $58,500 Building $228,700 | $287,200 (+6.33%) Land $58,500 Building $228,700 |
| 2024 | $3,698.00 (+2.78%) | ||
| 2023 | $3,598.00 Homeowner's exemption | $270,100 Land $63,100 Building $207,000 | $270,100 Land $63,100 Building $207,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2014 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 | North Saint Paul serves 13,134 people · EPA ID MN1620011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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