491 Thomas Ave, Saint Paul, MN 55103 Property Records

Ramsey County property record for 491 Thomas Ave, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1977
Lot Size	0.186 acres (8,107 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,492 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-29-23-21-0193`

Property Details

APN / Parcel Number

Primary APN	`36-29-23-21-0193`
Alternative APNs	`8520991` `666545`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Game Room	Game Room

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
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	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	666545
Street Address	491 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 W 10 FT; LOT 75 & ALL OF LOT 76 & 77 & THE W 2 FT OF LOT 78 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	75-78
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2006
Census Tract	32600

Owner

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

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	491 THOMAS AVE, SAINT PAUL, MN 55103-1628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018
Deed Sale	Oct 24, 2018
Prior Sale	Jun 20, 2016 · Amount on Record
Deed Document Number	20184732618
Prior Transfer Date	Oct 8, 2018
Prior Transfer Doc	0004732618
Record Updated	Oct 29, 2026

October 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 24, 2018
Property Address	491 THOMAS AVE, SAINT PAUL, MN 55103-1628
Document Number	0004732618
Instrument Date	Oct 8, 2018
Instrument	4732618
Transaction Type	Mortgage
Record Updated	Nov 5, 2018
Title Company	TITLESMART

Transaction

Amount	Amount Recorded
Tax	$1.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 THOMAS AVE ST PAUL MN 551031628, ST PAUL, MN 55103-1628

Mortgage

Document Number	4732619
Date	Oct 24, 2018
Instrument	4732619

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Tax Assessment & Valuation

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		$273,900 (-0.9%) Land $25,000 Building $248,900	$273,900 (-0.9%) Land $25,000 Building $248,900
2025	$4,492.00 (+7.83%)	$276,400 (-0.07%) Land $25,000 Building $251,400	$276,400 (-0.07%) Land $25,000 Building $251,400
2024	$4,166.00 (+3.84%)
2023	$4,012.00	$276,600 Land $20,000 Building $256,600	$276,600 Land $20,000 Building $256,600

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	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