646 Simon Ave, Saint Paul, MN 55117 Property Records

Ramsey County property record for 646 Simon Ave, Saint Paul, MN 55117

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 749 sqft · built 1953
Lot Size	0.114 acres (4,966 sqft)
Owner	2 Individual Names on File
Last Sale	$210,500 (May 2019)
Tax Bill	$3,626 (2023)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-14-0083`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-14-0083`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	749 sqft Living Area
1st Floor Area	624 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	646 SIMON AVE
City	SAINT PAUL
State	MN
Zip	55117-5625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Description	WARE AND HOSPES ADDITION,TO ST LOT 3 BLK 3
Legal Range	23
Legal Township	29
Legal Section	26
Legal Quarter	1
Quarter-Quarter Section	4
Legal Subdivision	WARE AND HOSPES ADDITION,TO ST
Legal Block	3
Legal Lot Number	3
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1011
Census Tract	31200

Owner

646 Simon Ave is owned and occupied by two individuals who bought it in May 2019.

Source: Ramsey County records, as of April 29, 2024

Owner of Record	2 Individual Names on File
Mailing Address	646 SIMON AVE, SAINT PAUL, MN 55117-5625
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
Mar 3, 2021	Deed of Trust, Mortgage · FHA Mortgage BELL BANK
May 23, 2019	Warranty Deed, Transfer · Line of Credit BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2019 · Amount on File
Deed Sale	May 23, 2019 · Amount on File
Prior Sale	May 12, 2015 · Amount on File
Deed Document Number	T02639387
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	646 SIMON AVE, SAINT PAUL, MN 55117-5625
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02692120
Date	Mar 3, 2021
Instrument	T02692120

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 23, 2019
Property Address	646 SIMON AVE, SAINT PAUL, MN 55117-5625
Document Number	0002639387
Instrument Date	May 9, 2019
Instrument	2639387
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	TITLESMART

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$716.00
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	646 SIMON AVE ST PAUL MN 551175625, ST PAUL, MN 55117-5625

Mortgage

Document Number	2639389
Date	May 23, 2019
Instrument	2639389

Lender

Name	BELL BK
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 22, 2029

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	2639388,
Date	May 23, 2019
Instrument	2639388

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 22, 2049

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	$3,626.00 Homeowner's exemption	$230,100 Land $35,700 Building $194,400	$230,100 Land $35,700 Building $194,400

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

Flood

FEMA maps place 646 Simon 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 646 Simon 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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