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435 Thomas Ave, Saint Paul, MN 55103 Property Records

Ramsey County property record for 435 Thomas Ave, Saint Paul, MN 55103

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,744 sqft · built 1885
Lot Size0.115 acres (5,000 sqft)
OwnerCompany Name on Record
Last Sale$19,500 (Jun 2009)
Tax Bill$4,922 (2025)
Deeds & MortgagesAug 2020 Mortgage
Jan 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN36-29-23-21-0139

Property Details

APN / Parcel Number

Primary APN36-29-23-21-0139
Alternative APNs
  • 8116767
  • 8120673

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms8 Rooms
Stories2 Stories
Building Area1,744 sqft Living Area
1st Floor Area872 sqft

Exterior

Year BuiltBuilt 1885
Effective Year BuiltEffective 1960
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Lot Area5,000 sqft (0.115 acres)
Lot Dimensions125 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number8120673
Street Address435 THOMAS AVE
CitySAINT PAUL
StateMN
Zip55103-1626
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSMITHS SUB OF STINSNS DIV B 2 6 7 8 LOT 2 BLK 8
Legal Range23
Legal Township29
Legal Section36
Legal SubdivisionSMITHS SUB OF STINSNS DIV B 2 6 7 8
Legal Block8
Legal Lot Number2
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group2
Census Block2007
Census Tract32600

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 RecordCompany Name on Record
Mailing Address1020 DAVERN ST, SAINT PAUL, MN 55116-2438
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Aug 14, 2020Deed of Trust, Mortgage
DENISE & LEONARD CURRIE
Jan 5, 2018Loan Modification, Mortgage
DRAKE BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 10, 2009 · Amount on Record
Deed SaleJun 10, 2009 · Amount on Record
Prior SaleAug 21, 2007 · Amount on Record
Deed Document Number2009375310
Prior Transfer DateJul 25, 2007
Prior Transfer Doc0000361944
Record UpdatedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address435 THOMAS AVE, SAINT PAUL, MN 55103-1626
Document Number0004836019
Instrument DateAug 14, 2020
Transaction TypeMortgage
Record UpdatedOct 13, 2020
Title CompanyGIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY INC

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address435 THOMAS AVE ST PAUL MN 551031626, ST PAUL, MN 55103-1626

Mortgage

Document Number0004836019
DateOct 1, 2020
Instrument4836019
Lender
NameDENISE & LEONARD CURRIE
Agreement
AmountAmount Recorded
Term120 Months
DueSep 30, 2030

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionRAMSEY MN
Property Address435 THOMAS AVE, SAINT PAUL, MN 55103-1626
Document Number0004697857
Instrument DateJan 5, 2018
Transaction TypeMortgage
Record UpdatedFeb 23, 2018

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address410 SHERBURNE AVE ST PAUL MN 551031941, ST PAUL, MN 55103-1941

Mortgage

Document Number0004697857
DateFeb 9, 2018
Instrument4697857
Lender
NameDRAKE BK
TypeBank
AddressST PAUL, MN 55107
Agreement
AmountAmount Recorded
Term60 Months
DueFeb 8, 2023

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$251,700 (-8.71%) Land $25,000 Building $226,700$251,700 (-8.71%) Land $25,000 Building $226,700
2025$4,922.00 (+21.29%)$275,700 (+4.23%) Land $25,000 Building $250,700$275,700 (+4.23%) Land $25,000 Building $250,700
2023$4,058.00$264,500 Land $20,000 Building $244,500$264,500 Land $20,000 Building $244,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 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 707 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
GigFire
Fixed Wireless		150 / 130
AT&T
Fixed Wireless		100 / 20

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