422 Laurel Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 422 Laurel Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,390 sqft · built 1883
Lot Size	0.328 acres (14,300 sqft)
Owner	Individual Name on File
Last Sale	$833,000 (Jun 2018)
Tax Bill	$19,482 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-28-23-21-0157`

Property Details

APN / Parcel Number

Primary APN	`01-28-23-21-0157`
Alternative APNs	`8139953` `8144590`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	5,390 sqft Living Area
1st Floor Area	2,125 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1968
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Wood
Lot Area	14,300 sqft (0.328 acres)
Lot Dimensions	143 ft deep x 100 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8144590
Street Address	422 LAUREL AVE
City	SAINT PAUL
State	MN
Zip	55102-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAND PARK ADDITION,TO ST. E 1/2 OF LOT 13 ALL OF LOT 14 AND W 1/2 OF LOT 15 BLK 12
Legal Range	23
Legal Township	28
Legal Section	01
Legal Subdivision	WOODLAND PARK ADDITION,TO ST.
Legal Block	12
Legal Lot Number	13-15
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3002
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

422 Laurel Ave is owned and occupied by an individual who bought it in June 2018.

Source: Ramsey County records, as of July 17, 2026

Owner of Record	Individual Name on File
Mailing Address	422 LAUREL AVE, SAINT PAUL, MN 55102-2016
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
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit BANKCHEROKEE
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Jan 8, 2021	Deed of Trust, Mortgage · Line of Credit BELL BK
Jun 21, 2018	Warranty Deed, Transfer BELL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2018 · Amount on File
Deed Sale	Jun 21, 2018 · Amount on File
Prior Sale	Dec 9, 1996 · Amount on File
Deed Document Number	20184714623
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	422 LAUREL AVE, SAINT PAUL, MN 55102-2016
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 LOWER SAINT DENNIS RD, SAINT PAUL, MN 55116-2833

Mortgage

Document Number	0A05086283
Date	Nov 13, 2025
Instrument	A05086283

Lender

Name	BANKCHEROKEE
Type	Bank
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	21 Months
Due	Aug 29, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	422 LAUREL AVE, SAINT PAUL, MN 55102-2016
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04912474
Date	Oct 12, 2021
Instrument	A04912474

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	422 LAUREL AVE, SAINT PAUL, MN 55102-2016
Document Number	0004858649
Instrument Date	Jan 8, 2021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 LAUREL AVE ST PAUL MN 551022016, ST PAUL, MN 55102-2016

Mortgage

Document Number	0004858649
Date	Jan 21, 2021
Instrument	4858649

Lender

Name	BELL BK
Address	STILLWATER, MN 55082

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 20, 2031

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 21, 2018
Property Address	422 LAUREL AVE, SAINT PAUL, MN 55102-2016
Document Number	0004714623
Instrument Date	Jun 15, 2018
Instrument	4714623
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	WATERMARK TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,832.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 LAUREL AVE ST PAUL MN 551022016, ST PAUL, MN 55102-2016

Mortgage

Document Number	4714624
Date	Jun 21, 2018
Instrument	4714624

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 422 Laurel Ave was $19,482.

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	$19,482.00	$1,202,400 Land $303,200 Building $899,200	$1,202,400 Land $303,200 Building $899,200
2023	$17,264.00	$994,400 Land $303,200 Building $691,200	$994,400 Land $303,200 Building $691,200

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

Flood

FEMA maps place 422 Laurel Ave in Zone X, an area of minimal flood risk.

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

The area around 422 Laurel Ave 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 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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