545 Como Ave, Saint Paul, MN 55103 Property Records

Ramsey County property record for 545 Como Ave, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,378 sqft · built 1909
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,500 (Jan 2023)
Tax Bill	$4,286 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-23-32-0035`

Property Details

APN / Parcel Number

Primary APN	`25-29-23-32-0035`
Alternative APNs	`8476269` `531404`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,378 sqft Living Area
1st Floor Area	748 sqft
Basement Area	210 sqft
Finished Basement	210 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Combination
Construction Type	Wood
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	531404
Street Address	545 COMO AVE
City	SAINT PAUL
State	MN
Zip	55103-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DENSLOWS ADDITION TO THE,CITY EX SWLY 1O FT FOR AVE LOT 16 BLK 4
Legal Range	23
Legal Township	29
Legal Section	25
Legal Subdivision	DENSLOWS ADDITION TO THE,CITY
Legal Block	4
Legal Lot Number	16
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2018
Census Tract	31300

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	545 COMO AVE, SAINT PAUL, MN 55103-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Warranty Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU
May 13, 2020	Deed of Trust, Mortgage OLD NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2023 · Amount on Record
Deed Sale	Jan 25, 2023 · Amount on Record
Prior Sale	Dec 9, 2004 · Amount on Record
Deed Document Number	20234978585
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 25, 2023
Property Address	545 COMO AVE, SAINT PAUL, MN 55103-1546
Document Number	0A04978585
Instrument Date	Jan 17, 2023
Instrument	A04978585
Transaction Type	Transfer
Record Updated	Jan 31, 2023
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.25
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	545 COMO AVE, SAINT PAUL, MN 55103-1546

Mortgage

Document Number	0A04978586
Date	Jan 25, 2023
Instrument	A04978586

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	10.7%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	545 COMO AVE, SAINT PAUL, MN 55103-1546
Document Number	0004811982
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	545 COMO AVE ST PAUL MN 551031546, ST PAUL, MN 55103-1546

Mortgage

Document Number	0004811982
Date	May 19, 2020
Instrument	4811982

Lender

Name	OLD NAT'L BK
Type	Bank
Address	EVANSVILLE, IN 47708

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

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		$242,600 (-0.7%) Land $25,000 Building $217,600	$242,600 (-0.7%) Land $25,000 Building $217,600
2025	$4,286.00 (+35.21%)	$244,300 (+13.42%) Land $25,000 Building $219,300	$244,300 (+13.42%) Land $25,000 Building $219,300
2024	$3,170.00 (+28.44%)
2023	$2,468.00	$215,400 Land $20,000 Building $195,400	$215,400 Land $20,000 Building $195,400

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	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 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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