654 Laurel Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 654 Laurel Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,436 sqft · built 1879
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,500 (Apr 1999)
Tax Bill	$8,330 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-28-23-14-0007`

Property Details

APN / Parcel Number

Primary APN	`02-28-23-14-0007`
Alternative APNs	`8280954` `318292`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,436 sqft Living Area
1st Floor Area	819 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Wood
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	318292
Street Address	654 LAUREL AVE
City	SAINT PAUL
State	MN
Zip	55104-7104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLCOMBES ADDITION TO,SAINT P LOT 9 BLK 9
Legal Range	23
Legal Township	28
Legal Section	02
Legal Subdivision	HOLCOMBES ADDITION TO,SAINT P
Legal Block	9
Legal Lot Number	9
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1006
Census Tract	35500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Historic Hill District listed 1976 · 1,009 contributing resources · NRIS 76001067

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	654 LAUREL AVE, SAINT PAUL, MN 55104-7104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Line of Credit BAXTER CU
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALERUS FINANCIAL NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 1999 · Amount on Record
Deed Sale	Apr 9, 1999 · Amount on Record
Prior Sale	Jul 8, 1998 · Amount on Record
Deed Document Number	1999265150
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	654 LAUREL AVE, SAINT PAUL, MN 55104-7104
Transaction Type	Mortgage
Record Updated	Jan 2, 2023
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04954442
Date	Jul 7, 2022
Instrument	A04954442

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 31, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	654 LAUREL AVE, SAINT PAUL, MN 55104-7104
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04870062
Date	Mar 15, 2021
Instrument	A04870062

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	HOPKINS, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

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		$547,500 (+8.72%) Land $130,000 Building $417,500	$547,500 (+8.72%) Land $130,000 Building $417,500
2025	$8,330.00 (+9.75%)
2023	$7,590.00	$503,600 Land $130,000 Building $373,600	$503,600 Land $130,000 Building $373,600

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 641 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable · Fiber in parts of the area	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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