445 Smith Ave N, Saint Paul, MN 55102 Property Records

Ramsey County property record for 445 Smith Ave N, Saint Paul, MN 55102

Property Summary

Property Type	Restaurant
Details	1 bd · 1 ba · 1,361 sqft · built 1880
Lot Size	0.194 acres (8,470 sqft)
Owner	Company Name on File
Last Sale	$60,000 (Jun 2008)
Tax Bill	$14,998 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-28-23-41-0179`

Property Details

APN / Parcel Number

Primary APN	`01-28-23-41-0179`
Alternative APNs	`8467995` `563688`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,361 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Asbestos
Lot Area	8,470 sqft (0.194 acres)
Lot Dimensions	77 ft deep x 110 ft wide
Porch	Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	563688
Street Address	445 SMITH AVE N
City	SAINT PAUL
State	MN
Zip	55102-2725
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	SAMUEL LEECHES ADDITION EX S 60 FT THE FOL; LOT 14 & E 1/2 OF LOT 13 BLK 9
Legal Range	23
Legal Township	28
Legal Section	01
Legal Subdivision	SAMUEL LEECHES ADDITION
Legal Block	9
Legal Lot Number	14,13
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1001
Census Tract	36000

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

445 Smith Ave N, a commercial property, is owned by a company that acquired it in August 2016.

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

Owner of Record	Company Name on File
Mailing Address	445 SMITH AVE N, SAINT PAUL, MN 55102-2725
Owner Type	Company
Vesting	Company

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
Apr 13, 2022	Deed of Trust, Mortgage BANKCHEROKEE
Apr 13, 2022	Deed of Trust, Mortgage BANKCHEROKEE
Apr 19, 2018	Deed of Trust, Mortgage SPEDCO
Apr 12, 2018	Deed of Trust, Mortgage ANCHOR BK
Jun 15, 2017	Loan Modification, Mortgage ANCHOR BK
Jun 15, 2017	Loan Modification, Mortgage ANCHOR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2008 · Amount on File
Deed Sale	Jun 23, 2008 · Amount on File
Deed Document Number	2008367967
Last Transfer Date	Aug 15, 2016
Transfer Doc	0004620190
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	445 SMITH AVE N, SAINT PAUL, MN 55102-2725
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04942402
Date	Apr 13, 2022
Instrument	A04942402

Lender

Name	BANKCHEROKEE
Type	Bank
Address	SAINT PAUL, MN 55107

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 8, 2032

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	445 SMITH AVE N, SAINT PAUL, MN 55102-2725
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04942404
Date	Apr 13, 2022
Instrument	A04942404

Lender

Name	BANKCHEROKEE
Type	Bank
Address	SAINT PAUL, MN 55107

Agreement

Amount	Amount on Record

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	445 SMITH AVE N, SAINT PAUL, MN 55102-2725
Document Number	0004707224
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	COMMERCIAL PARTNERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	445 SMITH AVE N ST PAUL MN 551022725, ST PAUL, MN 55102-2725

Mortgage

Document Number	0004707224
Date	Apr 26, 2018
Instrument	4707224

Lender

Name	SPEDCO
Address	ARDEN HILLS, MN 55112

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 25, 2038

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	445 SMITH AVE N, SAINT PAUL, MN 55102-2725
Document Number	0004707228
Instrument Date	Apr 12, 2018
Transaction Type	Mortgage
Record Updated	May 7, 2018
Title Company	COMMERCIAL PARTNERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	445 SMITH AVE N ST PAUL MN 551022725, ST PAUL, MN 55102-2725

Mortgage

Document Number	0004707228
Date	Apr 26, 2018
Instrument	4707228

Lender

Name	ANCHOR BK
Type	Bank
Address	1570 CONCORDIA AVE, ST PAUL, MN 55104-4548

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 25, 2028

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	445 SMITH AVE N, SAINT PAUL, MN 55102-2725
Document Number	0004677361
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Oct 11, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	445 SMITH AVE N ST PAUL MN 551022725, ST PAUL, MN 55102-2725

Mortgage

Document Number	0004677361
Date	Sep 21, 2017
Instrument	4677361

Lender

Name	ANCHOR BK
Type	Bank
Address	SAINT PAUL, MN 55104

Agreement

Amount	Amount on Record
Term	120 Months
Due	Sep 20, 2027

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	445 SMITH AVE N, SAINT PAUL, MN 55102-2725
Document Number	0004677362
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	445 SMITH AVE N ST PAUL MN 551022725, ST PAUL, MN 55102-2725

Mortgage

Document Number	0004677362
Date	Sep 21, 2017
Instrument	4677362

Lender

Name	ANCHOR BK
Type	Bank
Address	SAINT PAUL, MN 55104

Agreement

Amount	Amount on Record
Term	12 Months
Due	Sep 20, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 445 Smith Ave N was $14,998.

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		$548,300 Land $127,100 Building $421,200	$548,300 Land $127,100 Building $421,200
2025	$14,998.00
2023	$13,666.00	$474,900 Land $127,100 Building $347,800	$474,900 Land $127,100 Building $347,800

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

Flood

FEMA maps place 445 Smith Ave N in Zone X, an area of minimal flood risk.

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 Policies	7 in force

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.

Wildfire

The area around 445 Smith Ave N 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 317 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.

Nearby Properties on Smith Ave N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures