545 Brainerd Ave, Saint Paul, MN 55130 Property Records

Ramsey County property record for 545 Brainerd Ave, Saint Paul, MN 55130

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,462 sqft · built 1889
Lot Size	0.265 acres (11,556 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Aug 2008)
Tax Bill	$4,260 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-29-22-34-0055`

Property Details

APN / Parcel Number

Primary APN	`20-29-22-34-0055`
Alternative APNs	`8095043` `657368`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,462 sqft Living Area
1st Floor Area	1,128 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	11,556 sqft (0.265 acres)
Lot Dimensions	108 ft deep x 94 ft wide
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Well

Location & Zoning

Account Number	657368
Street Address	545 BRAINERD AVE
City	SAINT PAUL
State	MN
Zip	55130-3550
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	AUDITORS SUBDIVISION NO. 70 EX N 185 FT LOT 14 BLK 2
Legal Range	22
Legal Township	29
Legal Section	20
Legal Subdivision	AUDITORS SUBDIVISION NO. 70
Legal Block	2
Legal Lot Number	14
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3007
Census Tract	30601

Owner

545 Brainerd Ave, a duplex, is owned and occupied by an individual who bought it in August 2008.

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

Owner of Record	Individual Name on File
Mailing Address	444 TOWER ST, SAINT PAUL, MN 55119-4031
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

Date	Document
Jan 3, 2024	Warranty Deed, Transfer · Conventional Mortgage LAKE AREA MORTGAGE
Feb 28, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage AMERICAN MTG & EQUITY CNSLTS I

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2008 · Amount on File
Deed Sale	Aug 18, 2008 · Amount on File
Prior Sale	Aug 9, 1996 · Amount on File
Deed Document Number	2008369283
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 3, 2024
Property Address	545 BRAINERD AVE, SAINT PAUL, MN 55130-3550
Document Number	0A05012810
Instrument Date	Dec 21, 2023
Instrument	A05012810
Transaction Type	Transfer
Record Updated	Jan 10, 2024
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$841.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 BRAINERD AVE, SAINT PAUL, MN 55130-3550

Mortgage

Document Number	0A05012811
Date	Jan 3, 2024
Instrument	A05012811

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 28, 2018
Property Address	545 BRAINERD AVE, SAINT PAUL, MN 55130-3550
Document Number	0004700062
Instrument Date	Feb 26, 2018
Instrument	4700062
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$584.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 BRAINERD AVE ST PAUL MN 551303550, ST PAUL, MN 55130-3550

Mortgage

Document Number	4700063
Date	Feb 28, 2018
Instrument	4700063

Lender

Name	AMERICAN MTG & EQUITY CNSLTS I
Type	Mortgage Company
Address	BLOOMINGTON, MN 55435

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2048

Mortgage

Document Number	4702177,
Date	Feb 28, 2018
Instrument	4702177

Lender

Name	AMERICAN MTG & EQUITY CNSLTS I
Type	Mortgage Company
Address	BLOOMINGTON, MN 55435

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 545 Brainerd Ave was $4,260 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		$280,700 Land $52,500 Building $228,200	$280,700 Land $52,500 Building $228,200
2025	$4,260.00
2023	$3,502.00 Homeowner's exemption	$218,500 Land $25,000 Building $193,500	$218,500 Land $25,000 Building $193,500

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

Flood

FEMA maps place 545 Brainerd 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

The area around 545 Brainerd 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 700 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

May also be available: GigFire, T-Mobile.

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