Ramsey County property record for 481 Thomas Ave, Saint Paul, MN 55103
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,232 sqft · built 1977 |
| Lot Size | 0.186 acres (8,107 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $186,000 (Oct 2020) |
| Tax Bill | $2,756 (2024) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Sep 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-29-23-21-0194 |
| Primary APN | 36-29-23-21-0194 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 8,107 sqft (0.186 acres) |
| Lot Dimensions | 121 ft deep x 67 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 304596 |
|---|---|
| Street Address | 481 THOMAS AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55103-1628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | B. MICHELS RE OF BLK 7 AND,THE EX E 6 FT; LOT 80 & EX W 2 FT; LOT 78 & ALL OF LOT 79 BLK 7 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 36 |
| Legal Subdivision | B. MICHELS RE OF BLK 7 AND,THE |
| Legal Block | 7 |
| Legal Lot Number | 78-80 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 32600 |
Source: Ramsey County records, as of July 28, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 481 THOMAS AVE, SAINT PAUL, MN 55103-1628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2020 | Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L |
| Sep 16, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 12, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2020 · Amount on Record |
| Deed Sale | Oct 14, 2020 · Amount on Record |
| Prior Sale | Jun 24, 2016 · Amount on Record |
| Deed Document Number | 20204838019 |
| Prior Transfer Date | Oct 12, 2018 |
| Prior Transfer Doc | 0004730889 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 14, 2020 |
| Property Address | 481 THOMAS AVE, SAINT PAUL, MN 55103-1628 |
| Document Number | 0004838019 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 4838019 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2020 |
| Title Company | ARDEN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $632.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 481 THOMAS AVE ST PAUL MN 551031628, ST PAUL, MN 55103-1628 |
| Document Number | 4838020 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | 4838020 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 13, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Sep 16, 2020 |
| Property Address | 481 THOMAS AVE, SAINT PAUL, MN 55103-1628 |
| Document Number | 0004833041 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 4833041 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 492 VAN BUREN AVE ST PAUL MN 551031535, ST PAUL, MN 55103-1535 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 12, 2018 |
| Property Address | 481 THOMAS AVE, SAINT PAUL, MN 55103-1628 |
| Document Number | 0004730889 |
| Instrument Date | Oct 12, 2018 |
| Instrument | 4730889 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $357.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 481 THOMAS AVE ST PAUL MN 551031628, ST PAUL, MN 55103-1628 |
Source: Ramsey County assessment roll, as of July 28, 2025
| 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 |
|---|---|---|---|
| 2025 | $196,200 (+3.32%) Land $25,000 Building $171,200 | $196,200 (+3.32%) Land $25,000 Building $171,200 | |
| 2024 | $2,756.00 (+4.24%) | ||
| 2023 | $2,644.00 Homeowner's exemption | $189,900 Land $20,000 Building $169,900 | $189,900 Land $20,000 Building $169,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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