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

Ramsey County property record for 409 Montana Ave E, Saint Paul, MN 55130

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,040 sqft · built 1962
Lot Size0.149 acres (6,477 sqft)
Owner2 Individual Names on Record
Last Sale$190,000 (Apr 2020)
Tax Bill$4,198 (2025)
Deeds & MortgagesApr 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20-29-22-23-0047

Property Details

APN / Parcel Number

Primary APN20-29-22-23-0047
Alternative APNs
  • 8439690
  • 491604

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms9 Rooms
Stories1 Story
Building Area1,040 sqft Living Area
1st Floor Area1,040 sqft
Basement Area500 sqft
Finished Basement500 sqft

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1970
Architectural StyleRanch
Exterior MaterialStucco
Lot Area6,477 sqft (0.149 acres)
Lot Dimensions127 ft deep x 51 ft wide
Garage TypeDetached
Garage Area352 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number491604
Street Address409 MONTANA AVE E
CitySAINT PAUL
StateMN
Zip55130-3224
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORTONS ADDITION W 11 43/1OO FT OF LOT 27 AND ALL OF LOT 28 BLK 2
Legal Range22
Legal Township29
Legal Section20
Legal SubdivisionMORTONS ADDITION
Legal Block2
Legal Lot Number27,28
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group1
Census Block1011
Census Tract30601

Owner

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 Record2 Individual Names on Record
Mailing Address409 MONTANA AVE E, SAINT PAUL, MN 55130-3224
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 14, 2020 · Amount on Record
Deed SaleApr 14, 2020 · Amount on Record
Prior SaleFeb 2, 2009 · Amount on Record
Deed Document Number20202663434
Last Transfer DateNov 19, 2024
Transfer Doc0002785229
Record UpdatedOct 29, 2026

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateApr 14, 2020
Property Address409 MONTANA AVE E, SAINT PAUL, MN 55130-3224
Document Number0002663434
Instrument DateApr 13, 2020
Instrument2663434
Transaction TypeTransfer
Record UpdatedMay 11, 2020
Title CompanyARDEN TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$646.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 MONTANA AVE E ST PAUL MN 551303224, ST PAUL, MN 55130-3224

Mortgage

Document Number2663435
DateApr 14, 2020
Instrument2663435
Lender
NameNEW AMERICAN FNDG
TypeFunding / Finance Company
AddressTUSTIN, CA 92780
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 13, 2050

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
MunicipalitySt. Paul City
Unified School DistrictSt. Paul Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$281,500 (+12.47%) Land $35,000 Building $246,500$281,500 (+12.47%) Land $35,000 Building $246,500
2025$4,198.00 (-3%)
2023$4,328.00 Homeowner's exemption$250,300 Land $25,000 Building $225,300$250,300 Land $25,000 Building $225,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1978)
Claims Outside the SFHA1 of 1
Most Recent ClaimJun 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemSaint Paul Regional Water Services
serves 392,529 people · EPA ID MN1620026
Water SourceSurface water
Last State InspectionSep 2025
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Apr 2022
Monitoring and Reporting2
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 700 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: GigFire, T-Mobile.

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