Ramsey County property record for 649 Cherry St, Saint Paul, MN 55106
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 576 sqft · built 1950 |
| Lot Size | 0.135 acres (5,880 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $83,000 (Jul 2000) |
| Tax Bill | $3,760 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-29-22-44-0025 |
| Primary APN | 32-29-22-44-0025 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 576 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Lot Area | 5,880 sqft (0.135 acres) |
| Lot Dimensions | 120 ft deep x 49 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 1,020 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 490772 |
|---|---|
| Street Address | 649 CHERRY ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55106-6211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W J GODFREYS SUBDIVISION A LOT 15 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 32 |
| Legal Subdivision | W J GODFREYS SUBDIVISION A |
| Legal Lot Number | 15 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 34400 |
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 CHERRY ST, SAINT PAUL, MN 55106-6211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage IDEAL CU |
| Aug 16, 2022 | Deed of Trust, Mortgage · Line of Credit IDEAL CU |
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITY & CNTY EMP CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2000 · Amount on Record |
| Deed Sale | Jul 11, 2000 · Amount on Record |
| Deed Document Number | 2000280153 |
| Prior Transfer Date | Jun 15, 2000 |
| Prior Transfer Doc | 0000280153 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 649 CHERRY ST, SAINT PAUL, MN 55106-6211 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 649 CHERRY ST, SAINT PAUL, MN 55106-6211 |
| Document Number | 0A05008284 |
|---|---|
| Date | Nov 15, 2023 |
| Instrument | A05008284 |
| Name | IDEAL CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55109 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 15, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 649 CHERRY ST, SAINT PAUL, MN 55106-6211 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 649 CHERRY ST, SAINT PAUL, MN 55106-6211 |
| Document Number | 0A04960031 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | A04960031 |
| Name | IDEAL CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55125 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 20, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 649 CHERRY ST, SAINT PAUL, MN 55106-6211 |
| Document Number | 0004829453 |
| Instrument Date | Jul 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 649 CHERRY ST ST PAUL MN 551066211, ST PAUL, MN 55106-6211 |
| Document Number | 0004829453 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 4829453 |
| Name | CITY & CNTY EMP CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55101-2380 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 25, 2040 |
| Rate Type | Fixed Rate |
|---|
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 | $231,400 (+3.67%) Land $28,700 Building $202,700 | $231,400 (+3.67%) Land $28,700 Building $202,700 | |
| 2025 | $3,760.00 (+41.14%) | ||
| 2023 | $2,664.00 Homeowner's exemption | $223,200 Land $18,400 Building $204,800 | $223,200 Land $18,400 Building $204,800 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jun 1979 · tidal / storm surge |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 25 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 | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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