Ramsey County property record for 440 Thomas Ave, Saint Paul, MN 55103
| Property Type | Commercial Office |
|---|---|
| Details | 2 bd · 1 ba · 1,182 sqft · built 1950 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Aug 2023) |
| Tax Bill | $3,086 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Aug 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-29-23-24-0112 |
| Primary APN | 36-29-23-24-0112 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,182 sqft Living Area |
| 1st Floor Area | 1,182 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Block |
| Construction Type | Concrete Block |
| Lot Area | 4,000 sqft (0.092 acres) |
| Lot Dimensions | 80 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 238021 |
|---|---|
| Street Address | 440 THOMAS AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55103-1627 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | THAMS REARRANGEMENT ETC. LOTS 1 AND LOT 2 BLK 10 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 36 |
| Legal Subdivision | THAMS REARRANGEMENT ETC. |
| Legal Block | 10 |
| Legal Lot Number | 1,2 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 32600 |
440 Thomas Ave, a commercial property, is owned and occupied by two individuals who bought it in August 2023.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| 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.
| Date | Document |
|---|---|
| Aug 10, 2023 | Contract Sale, Transfer · Land Contract SCHELL AMES HICKEL ETUX |
| Aug 10, 2023 | Correction Deed TITLESMART, TITLE SMART |
| Aug 10, 2023 | Assignment of Deed, Transfer TITLE SMART INC, TITLESMART INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2023 · Amount on File |
| Deed Sale | Aug 10, 2023 · Amount on File |
| Prior Sale | Aug 10, 2023 · Amount on File |
| Deed Document Number | 20234997722 |
| Prior Transfer Date | Jul 14, 2023 |
| Prior Transfer Doc | 0004997721 |
| Record Updated | Sep 20, 2026 |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Aug 10, 2023 |
| Property Address | 440 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Number | 0A04997722 |
| Instrument Date | Jul 14, 2023 |
| Instrument | A04997722 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 440 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Date | Aug 10, 2023 |
|---|
| Name | SCHELL AMES HICKEL ETUX |
|---|---|
| Type | Private Party |
| Type | Land Contract |
|---|---|
| Amount | Amount on Record |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Aug 10, 2023 |
| Property Address | 440 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Number | 0A04997721 |
| Instrument Date | Jul 14, 2023 |
| Instrument | A04997721 |
| Record Updated | Aug 22, 2023 |
| Title Company | TITLESMART, TITLE SMART |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Type | Assignment of Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Aug 10, 2023 |
| Property Address | 440 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Number | 0A04997893 |
| Instrument Date | Jul 14, 2023 |
| Instrument | A04997893 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 440 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
The 2025 property tax bill for 440 Thomas Ave was $3,086 with a homeowner's exemption, up 6.9% from the year before.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $193,700 (+0.47%) Land $24,000 Building $169,700 | $193,700 (+0.47%) Land $24,000 Building $169,700 | |
| 2025 | $3,086.00 (+6.86%) Homeowner's exemption | $192,800 Land $24,000 Building $168,800 | $192,800 Land $24,000 Building $168,800 |
| 2024 | $2,888.00 (+13.52%) | ||
| 2023 | $2,544.00 Homeowner's exemption | $198,000 Land $20,000 Building $178,000 | $198,000 Land $20,000 Building $178,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Thomas Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 Claims | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1979 · tidal / storm surge |
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.
The area around 440 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.
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 |
| 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.
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 |
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