581 Front Ave, Saint Paul, MN 55117 Property Records

Ramsey County property record for 581 Front Ave, Saint Paul, MN 55117

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,309 sqft · built 1917
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on File
Last Sale	$177,500 (May 2020)
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-23-23-0092`

Property Details

APN / Parcel Number

Primary APN	`25-29-23-23-0092`
Alternative APNs	`8201996` `231983`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,309 sqft Living Area
1st Floor Area	802 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Asbestos
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	120 ft deep x 30 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	231983
Street Address	581 FRONT AVE
City	SAINT PAUL
State	MN
Zip	55117-4708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMO PROSPECT ADDITION E 5 FT OF LOT 38 AND ALL OF LOT 37 BLK 14
Legal Range	23
Legal Township	29
Legal Section	25
Legal Subdivision	COMO PROSPECT ADDITION
Legal Block	14
Legal Lot Number	38,37
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2014
Census Tract	31300

Owner

581 Front Ave is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	581 FRONT AVE, SAINT PAUL, MN 55117-4708
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
Jun 2, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 6, 2020	Warranty Deed, Transfer · FHA Mortgage BELL BK
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020 · Amount on File
Deed Sale	May 6, 2020 · Amount on File
Prior Sale	Jun 5, 2006 · Amount on File
Deed Document Number	20202664844
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	Jun 2, 2026
Property Address	581 FRONT AVE, SAINT PAUL, MN 55117-4708
Document Number	0005108052
Instrument Date	May 4, 2026
Instrument	20265108052
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 FRONT AVE, SAINT PAUL, MN 55117-4708

Mortgage

Document Number	0005108052,
Date	Jun 2, 2026
Instrument	20265108052

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	288 Months
Due	Jun 1, 2050

Interest

Rate	6.46%
Max Rate	-1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 6, 2020
Property Address	581 FRONT AVE, SAINT PAUL, MN 55117-4708
Document Number	0002664844
Instrument Date	May 5, 2020
Instrument	2664844
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	LEGACY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$604.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	581 FRONT AVE ST PAUL MN 551174708, ST PAUL, MN 55117-4708

Mortgage

Document Number	2664845
Date	May 6, 2020
Instrument	2664845

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Mortgage

Document Number	2664846,
Date	May 6, 2020
Instrument	2664846

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	581 FRONT AVE, SAINT PAUL, MN 55117-4708
Document Number	0002667258
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	581 FRONT AVE ST PAUL MN 551174708, ST PAUL, MN 55117-4708

Mortgage

Document Number	0002667258
Date	Jun 11, 2020
Instrument	2667258

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 581 Front Ave was $4,000.

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		$235,000 (-0.59%) Land $25,000 Building $210,000	$235,000 (-0.59%) Land $25,000 Building $210,000
2025	$4,000.00	$236,400 Land $25,000 Building $211,400	$236,400 Land $25,000 Building $211,400
2023	$3,144.00	$211,400 Land $20,000 Building $191,400	$211,400 Land $20,000 Building $191,400

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

Flood

FEMA maps place 581 Front 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 581 Front 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 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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