643 Summit Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 643 Summit Ave, Saint Paul, MN 55105

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,378 sqft · built 1983
Lot Size	0.096 acres (4,200 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Apr 2021)
Tax Bill	$12,806 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-28-23-14-0209`

Property Details

APN / Parcel Number

Primary APN	`02-28-23-14-0209`
Alternative APNs	`8473354` `635063`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,378 sqft Living Area
1st Floor Area	991 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	140 ft deep x 30 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	462 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	635063
Street Address	643 SUMMIT AVE
City	SAINT PAUL
State	MN
Zip	55105-3434
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOLCOMBES ADDITION TO,SAINT P SUBJ TO ESMT & ALL OF VAC ALLEY ACCRUING & W 30 FT OF LOT 25 BLK 16
Legal Range	23
Legal Township	28
Legal Section	02
Legal Subdivision	HOLCOMBES ADDITION TO,SAINT P
Legal Block	16
Legal Lot Number	25
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1020
Census Tract	35800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Historic Hill District listed 1976 · 1,009 contributing resources · NRIS 76001067

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

643 Summit Ave, a duplex, is owned and occupied by two individuals who acquired it in June 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	643 SUMMIT AVE, SAINT PAUL, MN 55105-3434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Sep 26, 2017	Warranty Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	May 12, 2004 · Amount on File
Deed Document Number	20212698308
Last Transfer Date	Jun 8, 2022
Transfer Doc	0002733992
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 30, 2021
Property Address	643 SUMMIT AVE, SAINT PAUL, MN 55105-3434
Document Number	0T02698308
Instrument Date	Apr 29, 2021
Instrument	T02698308
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	LEGACY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
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	643 SUMMIT AVE, SAINT PAUL, MN 55105-3434

Mortgage

Document Number	0T02698309
Date	Apr 30, 2021
Instrument	T02698309

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 26, 2017
Property Address	643 SUMMIT AVE, SAINT PAUL, MN 55105-3434
Document Number	0002597546
Instrument Date	Sep 15, 2017
Instrument	2597546
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,244.00
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	9 KENNETH CT SUMMIT NJ 079012021, SUMMIT, NJ 07901-2021

Mortgage

Document Number	2597551
Date	Sep 26, 2017
Instrument	2597551

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 643 Summit Ave was $12,806.

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		$669,800 Land $156,000 Building $513,800	$669,800 Land $156,000 Building $513,800
2025	$12,806.00
2023	$11,454.00	$729,900 Land $156,000 Building $573,900	$729,900 Land $156,000 Building $573,900

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

Flood

FEMA maps place 643 Summit 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 643 Summit 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 641 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable · Fiber in parts of the area	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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