485 Summit Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 485 Summit Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	8 bd · 7 ba · 6,626 sqft · built 1907
Lot Size	0.246 acres (10,759 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,500 (Dec 2020)
Tax Bill	$14,650 (2023)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-28-23-24-0186`

Property Details

APN / Parcel Number

Primary APN	`01-28-23-24-0186`

Interior

Bedrooms	8 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	6,626 sqft Living Area
Gross Area	7,910 sqft
1st Floor Area	3,147 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	10,759 sqft (0.246 acres)
Lot Dimensions	144 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	1,284 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	485 SUMMIT AVE
City	SAINT PAUL
State	MN
Zip	55102-2692
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F
Legal Description	SUBDIVISION OF BLOCKS 19,,21 A W 4O FT OF LOT 9 AND E 35 FT OF LOT 10 BLK 21
Legal Range	23
Legal Township	28
Legal Section	01
Legal Quarter	2
Quarter-Quarter Section	4
Legal Subdivision	SUBDIVISION OF BLOCKS 19,,21 A
Legal Block	21
Legal Lot Number	9-10
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1017
Census Tract	35800

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

Source: Ramsey County records, as of April 29, 2024

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	485 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Line of Credit WRIGHT PATMAN CONGRESSIONAL FCU
Jan 27, 2022	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Dec 9, 2020	Grant Deed, Transfer · Line of Credit MERCHANTS BK
Dec 9, 2020	Grant Deed, Transfer MERCHANTS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2020 · Amount on Record
Deed Sale	Dec 9, 2020 · Amount on Record
Prior Sale	Dec 9, 2020 · Amount on Record
Deed Document Number	A04850114
Record Updated	Jun 7, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	485 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A05095780
Date	Feb 10, 2026
Instrument	A05095780

Lender

Name	WRIGHT PATMAN CONGRESSIONAL FCU
Type	Credit Union
Address	OAKTON, VA 22124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 31, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	485 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 SUMMIT AVE, SAINT PAUL, MN 55102-2692

Mortgage

Document Number	0A04931317
Date	Jan 27, 2022
Instrument	A04931317

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	NORTHFIELD, MN 55057

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Dec 9, 2020
Property Address	485 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Document Number	0004850114
Instrument Date	Oct 14, 2020
Instrument	4850114
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,403.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	485 SUMMIT AVE ST PAUL MN 551022692, ST PAUL, MN 55102-2692

Mortgage

Document Number	4850116
Date	Dec 9, 2020
Instrument	4850116

Lender

Name	MERCHANTS BK
Type	Bank
Address	NORTHFIELD, MN 55057

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

Interest

Rate Type	Adjustable Rate

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Dec 9, 2020
Property Address	485 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Document Number	0004850113
Instrument Date	Oct 14, 2020
Instrument	4850113
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,403.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	485 SUMMIT AVE ST PAUL MN 551022692, ST PAUL, MN 55102-2692

Mortgage

Document Number	4850115
Date	Dec 9, 2020
Instrument	4850115

Lender

Name	MERCHANTS BK
Type	Bank
Address	WINONA, MN 55987

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

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
2023	$14,650.00	$922,300 Land $247,600 Building $674,700	$922,300 Land $247,600 Building $674,700

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 484 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.

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