488 Charles Ave, Saint Paul, MN 55103 Property Records

Ramsey County property record for 488 Charles Ave, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,365 sqft · built 1914
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$241,000 (Mar 2020)
Tax Bill	$4,556 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-29-23-24-0185`

Property Details

APN / Parcel Number

Primary APN	`36-29-23-24-0185`
Alternative APNs	`8585168` `305122`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,365 sqft Living Area
1st Floor Area	780 sqft
Basement Area	350 sqft
Finished Basement	350 sqft
Game Room	Game Room

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	294 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	305122
Street Address	488 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55103-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITHS SUB OF STINSNS DIV B9 10 15 16 LOT 49 BLK 15
Legal Range	23
Legal Township	29
Legal Section	36
Legal Subdivision	SMITHS SUB OF STINSNS DIV B9 10 15 16
Legal Block	15
Legal Lot Number	49
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3005
Census Tract	32600

Owner

488 Charles Ave is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	488 CHARLES AVE, SAINT PAUL, MN 55103-1908
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Nov 7, 2016 · Amount on File
Deed Document Number	20204800479
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 3, 2020
Property Address	488 CHARLES AVE, SAINT PAUL, MN 55103-1908
Document Number	0004800479
Instrument Date	Mar 2, 2020
Instrument	4800479
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
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	488 CHARLES AVE ST PAUL MN 551031984, ST PAUL, MN 55103-1984

Mortgage

Document Number	4800480
Date	Mar 3, 2020
Instrument	4800480

Lender

Name	BREMER BK
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 488 Charles Ave was $4,556 with a homeowner's exemption.

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		$271,100 Land $25,000 Building $246,100	$271,100 Land $25,000 Building $246,100
2025	$4,556.00
2023	$4,036.00 Homeowner's exemption	$268,200 Land $20,000 Building $248,200	$268,200 Land $20,000 Building $248,200

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

Flood

FEMA maps place 488 Charles 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.

Wildfire

The area around 488 Charles 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.

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 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