415 Warwick St, Saint Paul, MN 55105 Property Records

Ramsey County property record for 415 Warwick St, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,451 sqft · built 1924
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jan 2018)
Tax Bill	$8,096 (2023)
Deeds & Mortgages	Feb 2021 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-28-23-23-0071`

Property Details

APN / Parcel Number

Primary APN	`10-28-23-23-0071`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,451 sqft Living Area
Gross Area	1,123 sqft
1st Floor Area	936 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1965
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	128 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	415 WARWICK ST
City	SAINT PAUL
State	MN
Zip	55105-2546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Description	SYLVAN PARK ADDITION TO THE,CI LOT 17 BLK 10
Legal Range	23
Legal Township	28
Legal Section	10
Legal Quarter	2
Quarter-Quarter Section	3
Legal Subdivision	PARK ADDITION
Legal Block	10
Legal Lot Number	17
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2009
Census Tract	36500

Owner

415 Warwick St is owned and occupied by an individual who bought it in January 2018.

Source: Ramsey County records, as of April 29, 2024

Owner of Record	Individual Name on File
Mailing Address	415 WARWICK ST, SAINT PAUL, MN 55105-2546
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

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS STATE BANK
Dec 14, 2020	Deed of Trust, Mortgage NOVUS HM MTG
Feb 10, 2020	Deed of Trust, Construction Loan · Construction Mortgage CITIZENS ST BK
Feb 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS ST BK
Jan 2, 2018	Warranty Deed, Transfer · Conventional with PMI WATERSTONE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2018 · Amount on File
Deed Sale	Jan 2, 2018 · Amount on File
Deed Document Number	A04692509
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	415 WARWICK ST, SAINT PAUL, MN 55105-2546
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04865422
Date	Feb 22, 2021
Instrument	A04865422

Lender

Name	CITIZENS STATE BANK
Type	Bank
Address	HUDSON, WI 54016

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	415 WARWICK ST, SAINT PAUL, MN 55105-2546
Document Number	0004853504
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 WARWICK ST ST PAUL MN 551052546, ST PAUL, MN 55105-2546

Mortgage

Document Number	0004853504
Date	Dec 23, 2020
Instrument	4853504

Lender

Name	NOVUS HM MTG
Address	WAUKESHA, WI 53186

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2050

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	Feb 10, 2020
Property Address	415 WARWICK ST, SAINT PAUL, MN 55105-2546
Document Number	0004797146
Instrument Date	Feb 3, 2020
Instrument	4797146
Transaction Type	Construction Loan
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 WARWICK ST ST PAUL MN 551052546, ST PAUL, MN 55105-2546

Mortgage

Document Number	0004797146
Date	Feb 10, 2020
Instrument	4797146

Lender

Name	CITIZENS ST BK
Type	Bank
Address	HUDSON, WI 54016

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 9, 2021

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	415 WARWICK ST, SAINT PAUL, MN 55105-2546
Document Number	0004747390
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WARWICK ST ST PAUL MN 551052546, ST PAUL, MN 55105-2546

Mortgage

Document Number	0004747390
Date	Feb 22, 2019
Instrument	4747390

Lender

Name	CITIZENS ST BK
Type	Bank
Address	HUDSON, WI 54016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 21, 2029

Interest

Rate Type	Adjustable Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 2, 2018
Property Address	415 WARWICK ST, SAINT PAUL, MN 55105-2546
Document Number	0004692509
Instrument Date	Dec 28, 2017
Instrument	4692509
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$816.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WARWICK ST ST PAUL MN 551052546, ST PAUL, MN 55105-2546

Mortgage

Document Number	4692510
Date	Jan 2, 2018
Instrument	4692510

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

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
2023	$8,096.00	$451,700 Land $113,300 Building $338,400	$451,700 Land $113,300 Building $338,400

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

Flood

FEMA maps place 415 Warwick St in Zone X, an area of minimal flood risk.

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	2 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.

Wildfire

The area around 415 Warwick St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 988 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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