2603 Germain St, Maplewood (Saint Paul), MN 55109 Property Records

Ramsey County property record for 2603 Germain St, Maplewood, MN 55109

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,056 sqft · built 1969
Lot Size	0.389 acres (16,926 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,890 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-29-22-12-0027`

Property Details

APN / Parcel Number

Primary APN	`10-29-22-12-0027`
Alternative APNs	`8470647` `525368`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	790 sqft
Finished Basement	790 sqft
Game Room	Game Room

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Lot Area	16,926 sqft (0.389 acres)
Lot Dimensions	217 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	525368
Street Address	2603 GERMAIN ST
City	SAINT PAUL
State	MN
Zip	55109-1767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITORS SUBDIVISION NO. 76 SUBJ TO ST E 5 FT OF S 78 FT OF N 156 ...FT OF S 234 FT OF LOT 33 BLK 1
Legal Range	22
Legal Township	29
Legal Section	10
Legal Subdivision	AUDITORS SUBDIVISION NO. 76
Legal Block	1
Legal Lot Number	33
Jurisdiction	RAMSEY MN
Township / Civil Division	MAPLEWOOD
Census Block Group	1
Census Block	1006
Census Tract	42401

Owner

2603 Germain St is owned and occupied by two individuals who acquired it in September 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	2603 GERMAIN ST, SAINT PAUL, MN 55109-1767
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
Dec 16, 2021	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Oct 10, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Oct 10, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Mar 2, 2018	Deed of Trust, Mortgage · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2013
Deed Sale	Sep 3, 2013
Prior Sale	Jul 11, 2013 · Amount on File
Deed Document Number	20134422067
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2603 GERMAIN ST, MAPLEWOOD, MN 55109-1767
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2603 GERMAIN ST, MAPLEWOOD, MN 55109-1767

Mortgage

Document Number	0A04924927
Date	Dec 16, 2021
Instrument	A04924927

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	179 Months
Due	Nov 23, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2603 GERMAIN ST, MAPLEWOOD, MN 55109-1767
Document Number	0004782869
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2603 GERMAIN ST ST PAUL MN 551091767, ST PAUL, MN 55109-1767

Mortgage

Document Number	0004782869
Date	Nov 12, 2019
Instrument	4782869

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 11, 2034

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2603 GERMAIN ST, MAPLEWOOD, MN 55109-1767
Document Number	0004782849
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2603 GERMAIN ST ST PAUL MN 551091767, ST PAUL, MN 55109-1767

Mortgage

Document Number	0004782849
Date	Nov 12, 2019
Instrument	4782849

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 11, 2034

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2603 GERMAIN ST, MAPLEWOOD, MN 55109-1767
Document Number	0004702700
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2603 GERMAIN ST MAPLEWOOD MN 551091767, MAPLEWOOD, MN 55109-1767

Mortgage

Document Number	0004702700
Date	Mar 20, 2018
Instrument	4702700

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Mar 19, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 2603 Germain St was $3,890 with a homeowner's exemption.

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	Maplewood City
Unified School District	North St. Paul-Maplewood-Oakdale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$326,300 Land $64,600 Building $261,700	$326,300 Land $64,600 Building $261,700
2025	$3,890.00
2023	$3,340.00 Homeowner's exemption	$297,500 Land $64,600 Building $232,900	$297,500 Land $64,600 Building $232,900

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

Flood

FEMA maps place 2603 Germain St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2011–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2022 · other causes

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.

Wildfire

Wildfire risk around 2603 Germain St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 195 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

May also be available: T-Mobile.

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