Ramsey County property record for 320 Charles Ave, Saint Paul, MN 55103
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,792 sqft · built 1900 |
| Lot Size | 0.106 acres (4,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Apr 2012) |
| Tax Bill | $3,658 (2025) |
| Deeds & Mortgages | Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-29-23-13-0139 |
| Primary APN | 36-29-23-13-0139 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,792 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Family Room | Family Room |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 4,600 sqft (0.106 acres) |
| Lot Dimensions | 92 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 326740 |
|---|---|
| Street Address | 320 CHARLES AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55103-2007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WARREN & RICES ADDITION,TO SA EX S 4O FT LOT 12 BLK 23 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 36 |
| Legal Subdivision | WARREN & RICES ADDITION,TO SA |
| Legal Block | 23 |
| Legal Lot Number | 12 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 32700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 320 CHARLES AVE, SAINT PAUL, MN 55103-2007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2012 · Amount on Record |
| Deed Sale | Apr 6, 2012 · Amount on Record |
| Prior Sale | Nov 3, 2010 · Amount on Record |
| Deed Document Number | 2012396683 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 320 CHARLES AVE, SAINT PAUL, MN 55103-2007 |
| Document Number | 0004822714 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 320 CHARLES AVE ST PAUL MN 551032007, ST PAUL, MN 55103-2007 |
| Document Number | 0004822714 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 4822714 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 16, 2040 |
| Rate Type | Adjustable Rate |
|---|
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 | $227,000 (+5.04%) Land $25,000 Building $202,000 | $227,000 (+5.04%) Land $25,000 Building $202,000 | |
| 2025 | $3,658.00 (+20.17%) | ||
| 2023 | $3,044.00 Homeowner's exemption | $216,100 Land $20,000 Building $196,100 | $216,100 Land $20,000 Building $196,100 |
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 | 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.
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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