635 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 635 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	1 bd · 3 ba · 984 sqft · built 1888
Lot Size	0.114 acres (4,966 sqft)
Owner	Company Name on Record
Last Sale	$31,000 (Apr 2011)
Tax Bill	$4,276 (2023)
Deeds & Mortgages	Jun 2019 Mortgage Oct 2017 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0121`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0121`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	984 sqft Total Area
Gross Area	1,800 sqft
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	635 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2717
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	E
Legal Description	SYNDICATE NO. 2 ADDITION LOT 27 BLK 1
Legal Range	23
Legal Township	29
Legal Section	35
Legal Quarter	1
Quarter-Quarter Section	4
Legal Subdivision	SYNDICATE NO 2 ADDITION
Legal Block	1
Legal Lot Number	27
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1004
Census Tract	32500

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	Company Name on Record
Mailing Address	7635 148TH ST W, APPLE VALLEY, MN 55124-7800
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE BK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE BK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE BK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE BK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE BK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE BK
Oct 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY RESOURCE BK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE BK
Oct 18, 2017	Trustee's Deed, Construction Loan · Line of Credit COMMUNITY RESOURCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2011 · Amount on Record
Deed Sale	Apr 15, 2011 · Amount on Record
Prior Transfer Date	Aug 7, 2003
Prior Transfer Doc	314353
Record Updated	Jun 7, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0004762715
Instrument Date	Jun 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8388 137TH CT #8 APPLE VALLEY MN 551247203, 8, APPLE VALLEY, MN 55124-7203

Mortgage

Document Number	0004762715
Date	Jul 1, 2019
Instrument	4762715

Lender

Name	US BK
Type	Bank
Address	OSHKOSH, WI 54901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0002600484
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVE ST PAUL MN 551042717, ST PAUL, MN 55104-2717

Mortgage

Document Number	0002600484
Date	Oct 31, 2017
Instrument	2600484

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 30, 2019

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0002600487
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVE ST PAUL MN 551042717, ST PAUL, MN 55104-2717

Mortgage

Document Number	0002600487
Date	Oct 31, 2017
Instrument	2600487

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 30, 2019

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0004682526
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVE ST PAUL MN 551042717, ST PAUL, MN 55104-2717

Mortgage

Document Number	0004682526
Date	Oct 23, 2017
Instrument	4682526

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 22, 2019

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0004684817
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	730 4TH ST E ST PAUL MN 551065564, ST PAUL, MN 55106-5564

Mortgage

Document Number	0004684817
Date	Nov 6, 2017
Instrument	4684817

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Nov 5, 2019

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0004684818
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVENUE RAMSEYCOUNTY MINNEAPOLIS MN 55404, MINNEAPOLIS, MN 55404

Mortgage

Document Number	0004684818
Date	Nov 6, 2017
Instrument	4684818

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Nov 5, 2019

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0004684816
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVE ST PAUL MN 551042717, ST PAUL, MN 55104-2717

Mortgage

Document Number	0004684816
Date	Nov 6, 2017
Instrument	4684816

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Nov 5, 2019

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0004684815
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVE ST PAUL MN 551042717, ST PAUL, MN 55104-2717

Mortgage

Document Number	0004684815
Date	Nov 6, 2017
Instrument	4684815

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Nov 5, 2019

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0002600486
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVENUE RAMSEY COUNTY ST PAUL MN 55104, ST PAUL, MN 55104

Mortgage

Document Number	0002600486
Date	Oct 31, 2017
Instrument	2600486

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 18, 2017
Property Address	635 CHARLES AVE, SAINT PAUL, MN 55104-2717
Instrument Date	Oct 13, 2017
Instrument	2599472
Transaction Type	Construction Loan
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	635 CHARLES AVE ST PAUL MN 551042717, ST PAUL, MN 55104-2717

Mortgage

Document Number	0002599472
Date	Oct 18, 2017
Instrument	2599472

Lender

Name	COMMUNITY RESOURCE BK
Type	Bank
Address	ROSEVILLE, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 17, 2019

Interest

Rate Type	Adjustable Rate

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	$4,276.00	$220,400 Land $20,000 Building $200,400	$220,400 Land $20,000 Building $200,400

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 852 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, T-Mobile.

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