Ramsey County property record for 404 Winona St E, Saint Paul, MN 55107
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1948 |
| Lot Size | 0.522 acres (22,755 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Nov 2023) |
| Tax Bill | $3,756 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-28-22-44-0108 |
| Primary APN | 08-28-22-44-0108 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,755 sqft (0.522 acres) |
| Lot Dimensions | 123 ft deep x 185 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 79246 |
|---|---|
| Street Address | 404 WINONA ST E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55107-3167 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE W ST PAUL RE&IMP SYND 2 LOTS 9 THRU 13 BLK 21 |
| Legal Range | 22 |
| Legal Township | 28 |
| Legal Section | 08 |
| Legal Subdivision | THE W ST PAUL RE&IMP SYND 2 |
| Legal Block | 21 |
| Legal Lot Number | 9-13 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 37200 |
Source: Ramsey County records, as of August 24, 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 | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Feb 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Nov 20, 2023 | Re-recorded Document · Conventional Mortgage BELL BANK |
| Nov 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on Record |
| Deed Sale | Nov 20, 2023 · Amount on Record |
| Prior Sale | Nov 17, 2023 · Amount on Record |
| Deed Document Number | 20235008697 |
| Prior Transfer Date | Oct 11, 2023 |
| Prior Transfer Doc | 0005008697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Name | Verified Name |
|---|---|
| Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Document Number | 0T02810814 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | T02810814 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Name | Verified Name |
|---|---|
| Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Document Number | 0A05096469 |
|---|---|
| Date | Feb 18, 2026 |
| Instrument | A05096469 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Nov 20, 2023 |
| Property Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Document Number | 0A05008697 |
| Instrument Date | Oct 11, 2023 |
| Instrument | A05008697 |
| Record Updated | Nov 27, 2023 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.50 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Document Number | 0A05008698 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | A05008698 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Nov 17, 2023 |
| Property Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Document Number | 0T02764780 |
| Instrument Date | Oct 11, 2023 |
| Instrument | T02764780 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2023 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 WINONA ST E, SAINT PAUL, MN 55107-3167 |
| Document Number | 0T02764781 |
|---|---|
| Date | Nov 17, 2023 |
| Instrument | T02764781 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2053 |
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 | $268,500 (+9.68%) Land $59,200 Building $209,300 | $268,500 (+9.68%) Land $59,200 Building $209,300 | |
| 2025 | $3,756.00 (+12.93%) | ||
| 2023 | $3,326.00 Homeowner's exemption | $244,800 Land $45,900 Building $198,900 | $244,800 Land $45,900 Building $198,900 |
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 | 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 633 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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