490 Summit Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 490 Summit Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 7,488 sqft · built 1883
Lot Size	0.589 acres (25,650 sqft)
Owner	2 Individual Names on File
Last Sale	$1,225,000 (Mar 2026)
Tax Bill	$20,512 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Aug 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-28-23-31-0116`

Property Details

APN / Parcel Number

Primary APN	`01-28-23-31-0116`
Alternative APNs	`8473165` `528105`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	7,488 sqft Living Area
1st Floor Area	3,046 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1920
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Lot Area	25,650 sqft (0.589 acres)
Lot Dimensions	190 ft deep x 135 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	2,022 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	528105
Street Address	490 SUMMIT AVE
City	SAINT PAUL
State	MN
Zip	55102-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRACE PARK ADDITION TO,THE C E 35 FT OF LOT 5 AND ALL OF LOTS 3 AND LOT 4 BLK 2
Legal Range	23
Legal Township	28
Legal Section	01
Legal Subdivision	TERRACE PARK ADDITION TO,THE C
Legal Block	2
Legal Lot Number	5,3,4
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2008
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

490 Summit Ave is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	490 SUMMIT AVE, SAINT PAUL, MN 55102-2602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 22, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 22, 2020	Deed of Trust, Mortgage ALERUS MTG
Dec 11, 2018	Deed of Trust, Mortgage ALERUS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on File
Deed Sale	Mar 17, 2026 · Amount on File
Prior Sale	Dec 14, 2018 · Amount on File
Deed Document Number	20265099411
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 17, 2026
Property Address	490 SUMMIT AVE, SAINT PAUL, MN 55102-2602
Document Number	0A05099411
Instrument Date	Jan 16, 2026
Instrument	A05099411
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,042.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	490 SUMMIT AVE, SAINT PAUL, MN 55102-2602

Mortgage

Document Number	0A05099412
Date	Mar 17, 2026
Instrument	A05099412

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2056

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 22, 2022
Property Address	490 SUMMIT AVE, SAINT PAUL, MN 55102-2602
Document Number	0A04960682
Instrument Date	Aug 11, 2022
Instrument	A04960682
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13240 FLAGSTAFF AVE, SAINT PAUL, MN 55124-7938

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	490 SUMMIT AVE, SAINT PAUL, MN 55102-2602
Document Number	0004825287
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	DCA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 SUMMIT AVE ST PAUL MN 551022602, ST PAUL, MN 55102-2602

Mortgage

Document Number	0004825287
Date	Aug 3, 2020
Instrument	4825287

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	490 SUMMIT AVE, SAINT PAUL, MN 55102-2602
Document Number	0004739296
Instrument Date	Dec 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 18, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 SUMMIT AVE ST PAUL MN 551022602, ST PAUL, MN 55102-2602

Mortgage

Document Number	0004739296
Date	Dec 14, 2018
Instrument	4739296

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 490 Summit Ave was $20,512, up 31.5% from the year before.

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		$1,221,800 (+5%) Land $434,500 Building $787,300	$1,221,800 (+5%) Land $434,500 Building $787,300
2025	$20,512.00 (+31.54%)	$1,163,600 Land $434,500 Building $729,100	$1,163,600 Land $434,500 Building $729,100
2024	$15,594.00 (-9.85%)
2023	$17,298.00	$910,700 Land $434,500 Building $476,200	$910,700 Land $434,500 Building $476,200

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

Flood

FEMA maps place 490 Summit Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 490 Summit Ave is low, with less than a 0.01% annual chance of 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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