645 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 645 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,748 sqft · built 1889
Lot Size	0.114 acres (4,960 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Sep 2022)
Tax Bill	$3,326 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0118`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0118`
Alternative APNs	`8440245` `492213`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,748 sqft Living Area
1st Floor Area	874 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1930
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	492213
Street Address	645 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2380
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SYNDICATE NO. 2 ADDITION LOT 24 BLK 1
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	SYNDICATE NO. 2 ADDITION
Legal Block	1
Legal Lot Number	24
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 August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	645 CHARLES AVE, SAINT PAUL, MN 55104-2380
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY NEIGHBORHOOD HOUSING SVCS
Sep 7, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY NEIGHBORHOOD HOUSING SVCS
Sep 7, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 27, 2019	Quit Claim Deed, Mortgage · Line of Credit CITY & CNTY EMP CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Prior Sale	Oct 23, 2013 · Amount on Record
Deed Document Number	20224962647
Prior Transfer Date	Sep 10, 2019
Prior Transfer Doc	0004775575
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	645 CHARLES AVE, SAINT PAUL, MN 55104-2380
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A05003662
Date	Oct 3, 2023
Instrument	A05003662

Lender

Name	COMMUNITY NEIGHBORHOOD HOUSING SVCS
Type	Government Agency
Address	SAINT PAUL, MN 55116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 26, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	645 CHARLES AVE, SAINT PAUL, MN 55104-2380
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04962650
Date	Sep 7, 2022
Instrument	A04962650

Lender

Name	COMMUNITY NEIGHBORHOOD HOUSING SVCS
Type	Government Agency
Address	SAINT PAUL, MN 55103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 7, 2022
Property Address	645 CHARLES AVE, SAINT PAUL, MN 55104-2380
Document Number	0A04962647
Instrument Date	Aug 16, 2022
Instrument	A04962647
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	RG TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CHARLES AVE, SAINT PAUL, MN 55104-2380

Mortgage

Document Number	0A04962648
Date	Sep 7, 2022
Instrument	A04962648

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Mortgage

Document Number	0A04962649
Date	Sep 7, 2022
Instrument	A04962649

Lender

Name	COMMUNITY NEIGHBORHOOD HOUSING SVCS
Type	Government Agency
Address	SAINT PAUL, MN 55103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

September 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 27, 2019
Property Address	645 CHARLES AVE, SAINT PAUL, MN 55104-2380
Document Number	0004775575
Instrument Date	Sep 10, 2019
Instrument	4775575
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	SERVION COMMERCIAL TITLE, SERVION COM'L TITLE

Transaction

Amount	Amount Recorded
Tax	$1.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	645 CHARLES AVE ST PAUL MN 551042380, ST PAUL, MN 55104-2380

Mortgage

Document Number	4775576
Date	Sep 27, 2019
Instrument	4775576

Lender

Name	CITY & CNTY EMP CU
Type	Credit Union
Address	SAINT PAUL, MN 55101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$225,700 (+24.01%) Land $25,000 Building $200,700	$225,700 (+24.01%) Land $25,000 Building $200,700
2025	$3,326.00 (+32.09%)
2023	$2,518.00 Homeowner's exemption	$182,000 Land $20,000 Building $162,000	$182,000 Land $20,000 Building $162,000

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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