Ramsey County property record for 478 Thomas Ave, Saint Paul, MN 55103
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,073 sqft · built 1908 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | Individual Name on File |
| Last Sale | $167,000 (Oct 2018) |
| Tax Bill | $3,750 (2023) |
| Deeds & Mortgages | Nov 2022 Line of Credit Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-29-23-24-0122 |
| Primary APN | 36-29-23-24-0122 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,073 sqft Living Area |
| 1st Floor Area | 644 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,966 sqft (0.114 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 478 THOMAS AVE |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55103-1627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E |
| Legal Description | SMITHS SUB OF STINSNS DIV B9 10 15 16 LOT 51 BLK 10 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 36 |
| Legal Quarter | 2 |
| Quarter-Quarter Section | 4 |
| Legal Subdivision | SMITHS SUB OF STINSNS DIV B9 10 15 16 |
| Legal Block | 10 |
| Legal Lot Number | 51 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 32600 |
478 Thomas Ave is owned and occupied by an individual who bought it in October 2018.
Source: Ramsey County records, as of April 29, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 478 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 |
|---|---|
| Nov 7, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL CU |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAMBRIA MTG |
| Oct 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage CAMBRIA MTG |
| Apr 18, 2018 | Grant Deed, Transfer OTHER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2018 · Amount on File |
| Deed Sale | Oct 26, 2018 · Amount on File |
| Prior Sale | Apr 18, 2018 · Amount on File |
| Deed Document Number | A04732914 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 478 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 478 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Number | 0A04970164 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | A04970164 |
| Name | TRUSTONE FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55447 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 478 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Number | 0004804293 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 478 THOMAS AVE ST PAUL MN 551031627, ST PAUL, MN 55103-1627 |
| Document Number | 0004804293 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 4804293 |
| Name | CAMBRIA MTG |
|---|---|
| Type | Mortgage Company |
| Address | EDEN PRAIRIE, MN 55344 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 30, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 26, 2018 |
| Property Address | 478 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Number | 0004732914 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 4732914 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2018 |
| Title Company | RESULTS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $567.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 THOMAS AVE ST PAUL MN 551031627, ST PAUL, MN 55103-1627 |
| Document Number | 4732915 |
|---|---|
| Date | Oct 26, 2018 |
| Instrument | 4732915 |
| Name | CAMBRIA MTG |
|---|---|
| Type | Mortgage Company |
| Address | EDEN PRAIRIE, MN 55344 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 25, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Apr 18, 2018 |
| Property Address | 478 THOMAS AVE, SAINT PAUL, MN 55103-1627 |
| Document Number | 0004706157 |
| Instrument Date | Apr 2, 2018 |
| Instrument | 4706157 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $236.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 THOMAS AVE ST PAUL MN 551031627, ST PAUL, MN 55103-1627 |
Source: Ramsey County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $3,750.00 Homeowner's exemption | $213,800 Land $20,000 Building $193,800 | $213,800 Land $20,000 Building $193,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 478 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 478 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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