Ramsey County property record for 649 Charles Ave, Saint Paul, MN 55104
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,091 sqft · built 1901 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $35,000 (Jul 2012) |
| Tax Bill | $3,316 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-29-23-14-0117 |
| Primary APN | 35-29-23-14-0117 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,091 sqft Living Area |
| 1st Floor Area | 692 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Cape Cod |
| Exterior Material | Asbestos |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Water Source | Well |
| Account Number | 176911 |
|---|---|
| Street Address | 649 CHARLES AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55104-2717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SYNDICATE NO. 2 ADDITION LOT 23 BLK 1 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 35 |
| Legal Subdivision | SYNDICATE NO. 2 ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 32500 |
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 | 649 CHARLES AVE, SAINT PAUL, MN 55104-2717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2012 · Amount on Record |
| Deed Sale | Jul 24, 2012 · Amount on Record |
| Deed Document Number | 2012399069 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 649 CHARLES AVE, SAINT PAUL, MN 55104-2717 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 649 CHARLES AVE, SAINT PAUL, MN 55104-2717 |
| Document Number | 0A05093791 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | A05093791 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 11, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $226,200 (-0.96%) Land $25,000 Building $201,200 | $226,200 (-0.96%) Land $25,000 Building $201,200 | |
| 2025 | $3,316.00 (+7.18%) Homeowner's exemption | $228,400 (+12.51%) Land $25,000 Building $203,400 | $228,400 (+12.51%) Land $25,000 Building $203,400 |
| 2024 | $3,094.00 (+2.72%) | ||
| 2023 | $3,012.00 Homeowner's exemption | $203,000 Land $20,000 Building $183,000 | $203,000 Land $20,000 Building $183,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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