421 Laurel Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 421 Laurel Ave, Saint Paul, MN 55102

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,767 sqft · built 1884
Lot Size	0.114 acres (4,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,121 (Oct 2013)
Tax Bill	$7,818 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-28-23-21-0334`

Property Details

APN / Parcel Number

Primary APN	`01-28-23-21-0334`
Alternative APNs	`8314719` `355261`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,767 sqft Living Area
1st Floor Area	1,382 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Wood
Lot Area	4,950 sqft (0.114 acres)
Lot Dimensions	165 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	355261
Street Address	421 LAUREL AVE
City	SAINT PAUL
State	MN
Zip	55102-2015
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	COCHRANS SUBDIVISION OF,AND A EX E 40 FT; LOT 8 & PART OF LOT 9 BLK ...E OF SW COR OF SD LOT 9 BLK 11
Legal Range	23
Legal Township	28
Legal Section	01
Legal Subdivision	COCHRANS SUBDIVISION OF,AND A
Legal Block	11
Legal Lot Number	8,9
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3000
Census Tract	35500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Historic Hill District listed 1976 · 1,009 contributing resources · NRIS 76001067

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Ramsey County records, as of April 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	421 LAUREL AVE, SAINT PAUL, MN 55102-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit ENTRUST FINANCIAL CREDIT UNION
Sep 24, 2020	Deed of Trust, Mortgage CROSSCOUNTRY MTG
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FIN'L FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2013 · Amount on Record
Deed Sale	Oct 17, 2013 · Amount on Record
Prior Sale	Aug 19, 1998 · Amount on Record
Deed Document Number	20134428990
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	Apr 8, 2026
Property Address	421 LAUREL AVE, SAINT PAUL, MN 55102-2015
Document Number	0005101653
Instrument Date	Mar 25, 2026
Instrument	20265101653
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 LAUREL AVE, SAINT PAUL, MN 55102-2015

Mortgage

Document Number	0005101653,
Date	Apr 8, 2026
Instrument	20265101653

Lender

Name	ENTRUST FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	421 LAUREL AVE, SAINT PAUL, MN 55102-2015
Document Number	0004838513
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	421 LAUREL AVE ST PAUL MN 551022015, ST PAUL, MN 55102-2015

Mortgage

Document Number	0004838513
Date	Oct 16, 2020
Instrument	4838513

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Oct 15, 2045

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	421 LAUREL AVE, SAINT PAUL, MN 55102-2015
Document Number	0004649090
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 LAUREL AVE ST PAUL MN 551022015, ST PAUL, MN 55102-2015

Mortgage

Document Number	0004649090
Date	Mar 2, 2017
Instrument	4649090

Lender

Name	TRUSTONE FIN'L FCU
Type	Credit Union
Address	PLYMOUTH, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of July 28, 2025

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
2025		$688,100 (+4.78%) Land $114,400 Building $573,700	$688,100 (+4.78%) Land $114,400 Building $573,700
2024	$7,818.00 (+14.84%)
2023	$6,808.00	$656,700 Land $114,400 Building $542,300	$656,700 Land $114,400 Building $542,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 484 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	1,000 / 75
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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