Ramsey County property record for 32 Otis Ave, Saint Paul, MN 55104
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,732 sqft · built 1922 |
| Lot Size | 0.247 acres (10,744 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $18,666 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Sep 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-28-23-13-0048 |
| Primary APN | 05-28-23-13-0048 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,732 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 10,744 sqft (0.247 acres) |
| Lot Dimensions | 136 ft deep x 79 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 527138 |
|---|---|
| Street Address | 32 OTIS AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55104-5633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHADOW FALLS PARK ADDITION,TO W 19 FT OF LOT 2O AND ALL OF LOT 19 BLK 5 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 05 |
| Legal Subdivision | SHADOW FALLS PARK ADDITION,TO |
| Legal Block | 5 |
| Legal Lot Number | 2O,19 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43002 |
Source: Ramsey County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 71 OTIS LN, SAINT PAUL, MN 55104-5645 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC |
| Sep 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| May 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 32 OTIS AVE, SAINT PAUL, MN 55104-5633 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0A05084050 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | A05084050 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Nov 1, 2065 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 32 OTIS AVE, SAINT PAUL, MN 55104-5633 |
| Document Number | 0004837745 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 32 OTIS AVE ST PAUL MN 551045633, ST PAUL, MN 55104-5633 |
| Document Number | 0004837745 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 4837745 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 12, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 32 OTIS AVE, SAINT PAUL, MN 55104-5633 |
| Document Number | 0002663337 |
| Instrument Date | Apr 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 32 OTIS AVE ST PAUL MN 551045633, ST PAUL, MN 55104-5633 |
| Document Number | 0002663337 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 2663337 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 9, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 32 OTIS AVE, SAINT PAUL, MN 55104-5633 |
| Document Number | 0002638861 |
| Instrument Date | May 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 32 OTIS AVE ST PAUL MN 551045633, ST PAUL, MN 55104-5633 |
| Document Number | 0002638861 |
|---|---|
| Date | May 15, 2019 |
| Instrument | 2638861 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 32 OTIS AVE, SAINT PAUL, MN 55104-5633 |
| Document Number | 0002618931 |
| Instrument Date | Jul 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 32 OTIS AVE ST PAUL MN 551045633, ST PAUL, MN 55104-5633 |
| Document Number | 0002618931 |
|---|---|
| Date | Jul 17, 2018 |
| Instrument | 2618931 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 16, 2033 |
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 | $1,114,000 (+19.53%) Land $213,300 Building $900,700 | $1,114,000 (+19.53%) Land $213,300 Building $900,700 | |
| 2025 | $18,666.00 (+26.38%) | ||
| 2023 | $14,770.00 | $932,000 Land $213,300 Building $718,700 | $932,000 Land $213,300 Building $718,700 |
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 Policies | 5 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.
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.
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 510 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 |
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