646 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 646 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,295 sqft · built 1900
Lot Size	0.114 acres (4,960 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jan 2024)
Tax Bill	$5,788 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0129`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0129`
Alternative APNs	`8044983` `61158`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,295 sqft Living Area
1st Floor Area	1,188 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1930
Architectural Style	Bi-Level
Exterior Material	Stucco
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 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	61158
Street Address	646 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2370
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CHUTE BROTHERS DIVISION,NO. 2 LOT 7
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	CHUTE BROTHERS DIVISION,NO. 2
Legal Lot Number	7
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1007
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	646 CHARLES AVE, SAINT PAUL, MN 55104-2370
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2024 · Amount on Record
Deed Sale	Jan 25, 2024 · Amount on Record
Prior Sale	Mar 31, 2015 · Amount on Record
Deed Document Number	20245015031
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 25, 2024
Property Address	646 CHARLES AVE, SAINT PAUL, MN 55104-2370
Document Number	0A05015031
Instrument Date	Jan 22, 2024
Instrument	A05015031
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	FREEDOM TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 CHARLES AVE, SAINT PAUL, MN 55104-2370

Mortgage

Document Number	0A05015032
Date	Jan 25, 2024
Instrument	A05015032

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	0A05015033
Date	Jan 25, 2024
Instrument	A05015033

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

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		$286,200 (+46.62%) Land $25,000 Building $261,200	$286,200 (+46.62%) Land $25,000 Building $261,200
2025	$5,788.00 (-12.57%)
2023	$6,620.00	$195,200 Land $20,000 Building $175,200	$195,200 Land $20,000 Building $175,200

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.

Nearby Properties on Charles Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures