386 Montana Ave E, Saint Paul, MN 55130 Property Records

Ramsey County property record for 386 Montana Ave E, Saint Paul, MN 55130

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 897 sqft · built 1960
Lot Size	0.204 acres (8,890 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (May 2021)
Tax Bill	$3,684 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-29-22-23-0079`

Property Details

APN / Parcel Number

Primary APN	`20-29-22-23-0079`
Alternative APNs	`8492012` `548671`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	897 sqft Living Area
1st Floor Area	897 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,890 sqft (0.204 acres)
Lot Dimensions	127 ft deep x 70 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	548671
Street Address	386 MONTANA AVE E
City	SAINT PAUL
State	MN
Zip	55130-3116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORTONS ADDITION EX W 10 FT LOT 16 AND ALL OF LOT 17 BLK 4
Legal Range	22
Legal Township	29
Legal Section	20
Legal Subdivision	MORTONS ADDITION
Legal Block	4
Legal Lot Number	16,17
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1006
Census Tract	30601

Owner

386 Montana Ave E is owned and occupied by an individual who bought it in May 2021.

Source: Ramsey County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	386 MONTANA AVE E, SAINT PAUL, MN 55130-3116
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2021 · Amount on File
Deed Sale	May 20, 2021 · Amount on File
Prior Sale	May 28, 2014 · Amount on File
Deed Document Number	20212700522
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 20, 2021
Property Address	386 MONTANA AVE E, SAINT PAUL, MN 55130-3116
Document Number	0T02700522
Instrument Date	May 20, 2021
Instrument	T02700522
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 MONTANA AVE E, SAINT PAUL, MN 55130-3116
Investor	Possibly a Property Investor

Mortgage

Document Number	0T02700525
Date	May 20, 2021
Instrument	T02700525

Lender

Name	COMMUNITY NEIGHBORHOOD HOUSING SVCS
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jun 1, 2026

Mortgage

Document Number	0T02700524
Date	May 20, 2021
Instrument	T02700524

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company
Address	SAINT PAUL, MN 55126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 386 Montana Ave E was $3,684 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	St. Paul City
Unified School District	St. Paul Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$258,800 Land $35,000 Building $223,800	$258,800 Land $35,000 Building $223,800
2025	$3,684.00
2023	$3,462.00 Homeowner's exemption	$237,700 Land $25,000 Building $212,700	$237,700 Land $25,000 Building $212,700

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

Flood

FEMA maps place 386 Montana Ave E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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 (1978)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1978 · rainfall accumulation

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 386 Montana Ave E 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 98% of the US · lower than 92% 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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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