495 Summit Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 495 Summit Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 6,058 sqft · built 1881
Lot Size	0.392 acres (17,119 sqft)
Owner	Individual Name on Record
Last Sale	$1,450,000 (Oct 2023)
Tax Bill	$23,052 (2023)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-28-23-24-0185`

Property Details

APN / Parcel Number

Primary APN	`01-28-23-24-0185`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	6,058 sqft Living Area
1st Floor Area	2,232 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	17,119 sqft (0.392 acres)
Lot Dimensions	144 ft deep x 119 ft wide
Garage Type	Detached
Garage Area	892 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	495 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 15 FT OF LOT 1O AND ALL OF LOTS 11 AND LOT 12 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	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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	495 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Warranty Deed, Transfer · Conventional Mortgage BMO BANK NA
Jun 5, 2017	Warranty Deed, Transfer WATERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2023 · Amount on Record
Deed Sale	Oct 16, 2023 · Amount on Record
Prior Sale	Jun 5, 2017 · Amount on Record
Deed Document Number	A05004941
Record Updated	Jun 7, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 16, 2023
Property Address	495 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Document Number	0A05004941
Instrument Date	Sep 25, 2023
Instrument	A05004941
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,785.00
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	495 SUMMIT AVE, SAINT PAUL, MN 55102-2692

Mortgage

Document Number	0A05004942
Date	Oct 16, 2023
Instrument	A05004942

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Max Rate	11.3%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 5, 2017
Property Address	495 SUMMIT AVE, SAINT PAUL, MN 55102-2692
Document Number	0004661176
Instrument Date	May 22, 2017
Instrument	4661176
Transaction Type	Transfer
Record Updated	Jun 15, 2017
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,995.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 SUMMIT AVE ST PAUL MN 551022692, ST PAUL, MN 55102-2692

Mortgage

Document Number	4661179
Date	Jun 5, 2017
Instrument	4661179

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Fixed Rate
Rate	3.25%

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	$23,052.00	$1,327,900 Land $332,500 Building $995,400	$1,327,900 Land $332,500 Building $995,400

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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