456 Montana Ave E, Saint Paul, MN 55130 Property Records

Ramsey County property record for 456 Montana Ave E, Saint Paul, MN 55130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,052 sqft · built 1961
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on Record
Last Sale	$159,697 (Nov 2016)
Tax Bill	$4,026 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage May 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-29-22-23-0061`

Property Details

APN / Parcel Number

Primary APN	`20-29-22-23-0061`
Alternative APNs	`8599376` `634367`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,052 sqft Living Area
1st Floor Area	1,052 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Game Room	Game Room

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	6,350 sqft (0.146 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	634367
Street Address	456 MONTANA AVE E
City	SAINT PAUL
State	MN
Zip	55130-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORTONS ADDITION EX W 3O FT LOT 14 AND ALL OF LOT 15 BLK 3
Legal Range	22
Legal Township	29
Legal Section	20
Legal Subdivision	MORTONS ADDITION
Legal Block	3
Legal Lot Number	14,15
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1012
Census Tract	30601

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 Record	Individual Name on Record
Mailing Address	456 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BLAZE CREDIT UNION
May 16, 2024	Deed of Trust, Mortgage · Line of Credit BLAZE CREDIT UNION
May 16, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BLAZE CREDIT UNION
Nov 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPIRE CU
Nov 2, 2023	Deed of Trust, Mortgage · Line of Credit SPIRE CU
Jul 1, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2016 · Amount on Record
Deed Sale	Nov 28, 2016 · Amount on Record
Prior Sale	Oct 16, 2008 · Amount on Record
Deed Document Number	20162574411
Last Transfer Date	Mar 26, 2018
Transfer Doc	0002611242
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	456 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02812566
Date	Mar 23, 2026
Instrument	T02812566

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	456 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02774135
Date	May 16, 2024
Instrument	T02774135

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	113 Months
Due	Oct 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	456 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02774134
Date	May 16, 2024
Instrument	T02774134

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	113 Months
Due	Oct 15, 2033

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	456 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A05007021
Date	Nov 2, 2023
Instrument	A05007021

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 15, 2033

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	456 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A05007022
Date	Nov 2, 2023
Instrument	A05007022

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Oct 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	456 MONTANA AVE E, SAINT PAUL, MN 55130-3225
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04893427
Date	Jul 1, 2021
Instrument	A04893427

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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		$267,200 (+4.66%) Land $35,000 Building $232,200	$267,200 (+4.66%) Land $35,000 Building $232,200
2025	$4,026.00 (+10.06%) Homeowner's exemption	$255,300 (+7.22%) Land $30,000 Building $225,300	$255,300 (+7.22%) Land $30,000 Building $225,300
2024	$3,658.00 (-10.21%)
2023	$4,074.00 Homeowner's exemption	$238,100 Land $25,000 Building $213,100	$238,100 Land $25,000 Building $213,100

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 · 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 (1978)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1978 · rainfall accumulation

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

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 700 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

May also be available: GigFire, T-Mobile.

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