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

Ramsey County property record for 412 Montana Ave E, Saint Paul, MN 55130

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,100 sqft · built 1961
Lot Size0.155 acres (6,731 sqft)
OwnerIndividual Name on Record
Last Sale$190,000 (Jul 2014)
Tax Bill$4,080 (2025)
Deeds & MortgagesAug 2021 Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN20-29-22-23-0052

Property Details

APN / Parcel Number

Primary APN20-29-22-23-0052
Alternative APNs
  • 8554608
  • 616483

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms8 Rooms
Stories1 Story
Building Area1,100 sqft Living Area
1st Floor Area1,100 sqft
Basement Area400 sqft
Finished Basement400 sqft

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1969
Architectural StyleRanch
Exterior MaterialStucco
Lot Area6,731 sqft (0.155 acres)
Lot Dimensions127 ft deep x 53 ft wide
Garage TypeBasement
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number616483
Street Address412 MONTANA AVE E
CitySAINT PAUL
StateMN
Zip55130-3225
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORTONS ADDITION EX W 27 FT LOT 3 AND ALL OF LOT 4 BLK 3
Legal Range22
Legal Township29
Legal Section20
Legal SubdivisionMORTONS ADDITION
Legal Block3
Legal Lot Number3,4
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group1
Census Block1012
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 RecordIndividual Name on Record
Mailing Address412 MONTANA AVE E, SAINT PAUL, MN 55130-3225
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Aug 18, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 31, 2014 · Amount on Record
Deed SaleJul 31, 2014 · Amount on Record
Prior SaleDec 9, 2013 · Amount on Record
Deed Document Number20142509469
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address412 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Transaction TypeMortgage
Record UpdatedSep 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0A04904705
DateAug 30, 2021
InstrumentA04904705
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address412 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Document Number0004839177
Instrument DateAug 18, 2020
Transaction TypeMortgage
Record UpdatedOct 30, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 MONTANA AVE E ST PAUL MN 551303225, ST PAUL, MN 55130-3225

Mortgage

Document Number0004839177
DateOct 20, 2020
Instrument4839177
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term300 Months
DueOct 19, 2045

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$275,400 (+13.85%) Land $35,000 Building $240,400$275,400 (+13.85%) Land $35,000 Building $240,400
2025$4,080.00 (-5.47%)
2023$4,316.00 Homeowner's exemption$241,900 Land $25,000 Building $216,900$241,900 Land $25,000 Building $216,900

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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