Ramsey County property record for 296 Thomas Ave, Saint Paul, MN 55103
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,640 sqft · built 1914 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Dec 2023) |
| Tax Bill | $4,068 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-29-23-13-0012 |
| Primary APN | 36-29-23-13-0012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,640 sqft Living Area |
| 1st Floor Area | 932 sqft |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Cape Cod |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 6,600 sqft (0.152 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 148935 |
|---|---|
| Street Address | 296 THOMAS AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55103-1737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBERTSON & VAN ETTEN,ADDITION LOT 10 BLK 6 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 36 |
| Legal Subdivision | ROBERTSON & VAN ETTEN,ADDITION |
| Legal Block | 6 |
| Legal Lot Number | 10 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 32700 |
296 Thomas Ave is owned and occupied by two individuals who acquired it in August 2025.
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 | 296 THOMAS AVE, SAINT PAUL, MN 55103-1737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Aug 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI BELL BK |
| Dec 7, 2018 | Grant Deed, Transfer · Conventional with PMI BELL BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2023 · Amount on File |
| Deed Sale | Dec 14, 2023 · Amount on File |
| Prior Sale | Dec 7, 2018 · Amount on File |
| Deed Document Number | 20235011179 |
| Last Transfer Date | Aug 25, 2025 |
| Transfer Doc | 0005077750 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Dec 14, 2023 |
| Property Address | 296 THOMAS AVE, SAINT PAUL, MN 55103-1737 |
| Document Number | 0A05011179 |
| Instrument Date | Dec 11, 2023 |
| Instrument | A05011179 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $858.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 296 THOMAS AVE, SAINT PAUL, MN 55103-1737 |
| Document Number | 0A05011180 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | A05011180 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 296 THOMAS AVE, SAINT PAUL, MN 55103-1737 |
| Document Number | 0004826813 |
| Instrument Date | Aug 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 296 THOMAS AVE ST PAUL MN 551031737, ST PAUL, MN 55103-1737 |
| Document Number | 0004826813 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 4826813 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58103 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 10, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Dec 7, 2018 |
| Property Address | 296 THOMAS AVE, SAINT PAUL, MN 55103-1737 |
| Document Number | 0004738095 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 4738095 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2018 |
| Title Company | TITLESMART |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $608.26 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 296 THOMAS AVE ST PAUL MN 551031737, ST PAUL, MN 55103-1737 |
| Document Number | 4738096 |
|---|---|
| Date | Dec 7, 2018 |
| Instrument | 4738096 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58103 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 6, 2048 |
The 2025 property tax bill for 296 Thomas Ave was $4,068, up 12.4% from the year before.
Source: Ramsey County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $272,200 (+2.33%) Land $25,000 Building $247,200 | $272,200 (+2.33%) Land $25,000 Building $247,200 | |
| 2025 | $4,068.00 (+12.44%) Homeowner's exemption | $266,000 Land $25,000 Building $241,000 | $266,000 Land $25,000 Building $241,000 |
| 2024 | $3,618.00 (-0.77%) | ||
| 2023 | $3,646.00 Homeowner's exemption | $242,900 Land $20,000 Building $222,900 | $242,900 Land $20,000 Building $222,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 296 Thomas Ave in Zone X, an area of minimal flood risk.
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 Policies | 1 in force |
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.
The area around 296 Thomas 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 707 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 | 1,000 / 75 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
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