Ramsey County property record for 496 Thomas Ave, Saint Paul, MN 55103
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 2 bd · 4,768 sqft · built 1905 |
| Lot Size | 0.112 acres (4,875 sqft) |
| Owner | Company Name on Record |
| Last Sale | $55,000 (Sep 2008) |
| Tax Bill | $9,272 (2025) |
| Deeds & Mortgages | Jan 2018 Line of Credit Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-29-23-24-0127 |
| Primary APN | 36-29-23-24-0127 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Units | 8 Units |
| Building Area | 4,768 sqft Building Perimeter |
| Gross Area | 4,788 sqft |
| Basement Area | 1,596 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1966 |
| Lot Area | 4,875 sqft (0.112 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Porch | Open Porch |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 607411 |
|---|---|
| Street Address | 496 THOMAS AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55103-1611 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | SMITHS SUB OF STINSNS DIV B9 10 15 16 LOT 46 BLK 10 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 36 |
| Legal Subdivision | SMITHS SUB OF STINSNS DIV B9 10 15 16 |
| Legal Block | 10 |
| Legal Lot Number | 46 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 32600 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 778 VIKING DR E, SAINT PAUL, MN 55117-1666 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 17, 2018 | Deed of Trust, Mortgage · Line of Credit HIWAY FCU |
| Jan 17, 2018 | Deed of Trust, Mortgage HIWAY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2008 · Amount on Record |
| Deed Sale | Sep 15, 2008 · Amount on Record |
| Prior Sale | Mar 15, 2006 · Amount on Record |
| Deed Document Number | 2008369970 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 496 THOMAS AVE, SAINT PAUL, MN 55103-1611 |
| Document Number | 0002607413 |
| Instrument Date | Jan 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 778 VIKING DR E MAPLEWOOD MN 551171666, MAPLEWOOD, MN 55117-1666 |
| Document Number | 0002607413 |
|---|---|
| Date | Jan 31, 2018 |
| Instrument | 2607413 |
| Name | HIWAY FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, KS 55103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 30, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 496 THOMAS AVE, SAINT PAUL, MN 55103-1611 |
| Document Number | 0004697371 |
| Instrument Date | Jan 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 778 VIKING DR E MAPLEWOOD MN 551171666, MAPLEWOOD, MN 55117-1666 |
| Document Number | 0004697371 |
|---|---|
| Date | Feb 6, 2018 |
| Instrument | 4697371 |
| Name | HIWAY FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55103 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Feb 5, 2023 |
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $477,500 (+2.93%) Land $80,000 Building $397,500 | $477,500 (+2.93%) Land $80,000 Building $397,500 | |
| 2025 | $9,272.00 (-12.03%) | ||
| 2023 | $10,540.00 | $463,900 Land $80,000 Building $383,900 | $463,900 Land $80,000 Building $383,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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