Ramsey County property record for 654 State St, Saint Paul, MN 55107
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,172 sqft · built 1910 |
| Lot Size | 0.106 acres (4,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $156,560 (Apr 2007) |
| Tax Bill | $4,590 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-28-22-31-0098 |
| Primary APN | 08-28-22-31-0098 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,172 sqft Living Area |
| 1st Floor Area | 726 sqft |
| Basement Area | 475 sqft |
| Finished Basement | 475 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,600 sqft (0.106 acres) |
| Lot Dimensions | 115 ft deep x 40 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 428494 |
|---|---|
| Street Address | 654 STATE ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55107-3066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE W ST PAUL RE&IMP SYND 1 LOT 6 BLK 1 |
| Legal Range | 22 |
| Legal Township | 28 |
| Legal Section | 08 |
| Legal Subdivision | THE W ST PAUL RE&IMP SYND 1 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 37200 |
654 State St is owned and occupied by two individuals who bought it in April 2007.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 STATE ST, SAINT PAUL, MN 55107-3066 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2007 · Amount on File |
| Deed Sale | Apr 18, 2007 · Amount on File |
| Prior Sale | Mar 29, 1999 · Amount on File |
| Deed Document Number | 2007358796 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 654 STATE ST, SAINT PAUL, MN 55107-3066 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A04889783 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | A04889783 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2046 |
The 2025 property tax bill for 654 State St was $4,590 with a homeowner's exemption.
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 | $280,600 Land $22,100 Building $258,500 | $280,600 Land $22,100 Building $258,500 | |
| 2025 | $4,590.00 | ||
| 2023 | $3,880.00 Homeowner's exemption | $256,000 Land $17,100 Building $238,900 | $256,000 Land $17,100 Building $238,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 654 State St 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.
The area around 654 State St 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.
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 607 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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