439 Thomas Ave, Saint Paul, MN 55103 Property Records

Ramsey County property record for 439 Thomas Ave, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,546 sqft · built 1955
Lot Size	0.112 acres (4,875 sqft)
Owner	Individual Name on File
Last Sale	$154,454 (Jan 2017)
Tax Bill	$3,388 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-29-23-21-0138`

Property Details

APN / Parcel Number

Primary APN	`36-29-23-21-0138`
Alternative APNs	`8477359` `325916`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,546 sqft Living Area
1st Floor Area	1,288 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	4,875 sqft (0.112 acres)
Lot Dimensions	125 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	325916
Street Address	439 THOMAS AVE
City	SAINT PAUL
State	MN
Zip	55103-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITHS SUB OF STINSNS DIV B 2 6 7 8 LOT 1 BLK 8
Legal Range	23
Legal Township	29
Legal Section	36
Legal Subdivision	SMITHS SUB OF STINSNS DIV B 2 6 7 8
Legal Block	8
Legal Lot Number	1
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2007
Census Tract	32600

Owner

439 Thomas Ave is owned and occupied by an individual who bought it in January 2017.

Source: Ramsey County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	439 THOMAS AVE, SAINT PAUL, MN 55103-1626
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2017 · Amount on File
Deed Sale	Jan 6, 2017 · Amount on File
Prior Sale	Sep 10, 2010 · Amount on File
Deed Document Number	20172577458
Record Updated	Oct 29, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 6, 2017
Property Address	439 THOMAS AVE, SAINT PAUL, MN 55103-1626
Document Number	0002577458
Instrument Date	Dec 17, 2016
Instrument	2577458
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 THOMAS AVE ST PAUL MN 551031626, ST PAUL, MN 55103-1626

Mortgage

Document Number	2577459
Date	Jan 6, 2017
Instrument	2577459

Lender

Name	SUMMIT MTG
Type	Mortgage Company
Address	PLYMOUTH, MN 55441

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 439 Thomas Ave was $3,388 with a homeowner's exemption.

Source: Ramsey County assessment roll, as of August 7, 2026

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
2026		$240,200 Land $25,000 Building $215,200	$240,200 Land $25,000 Building $215,200
2025	$3,388.00
2023	$3,316.00 Homeowner's exemption	$228,100 Land $20,000 Building $208,100	$228,100 Land $20,000 Building $208,100

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

Flood

FEMA maps place 439 Thomas 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 439 Thomas 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 707 locations within half a mile, as of December 31, 2025

Provider	Max 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