Ramsey County property record for 654 Thomas Ave, Saint Paul, MN 55104
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 1 ba · 1,202 sqft · built 1904 |
| Lot Size | 0.057 acres (2,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $92,700 (Oct 2017) |
| Tax Bill | $30 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-29-23-14-0007 |
| Primary APN | 35-29-23-14-0007 |
|---|---|
| Alternative APNs |
|
| Lot Area | 2,480 sqft (0.057 acres) |
|---|---|
| Lot Dimensions | 124 ft deep x 20 ft wide |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Account Number | 475541 |
|---|---|
| Street Address | 654 THOMAS AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55104-2743 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | CHUTE BROTHERS DIVISION,NO. 3 W 1/2 OF LOT 9 |
| Legal Range | 23 |
| Legal Township | 29 |
| Legal Section | 35 |
| Legal Subdivision | CHUTE BROTHERS DIVISION,NO. 3 |
| Legal Lot Number | 9 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 32500 |
654 Thomas Ave, residential vacant land, is owned by two individuals who bought it in October 2017.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1454 APPLEGATE LN, SHAKOPEE, MN 55379-9392 |
| 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.
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP |
| Oct 4, 2017 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2017 · Amount on File |
| Deed Sale | Oct 4, 2017 · Amount on File |
| Prior Sale | Sep 29, 2014 · Amount on File |
| Deed Document Number | 20174679426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 654 THOMAS AVE, SAINT PAUL, MN 55104-2743 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A04868462 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | A04868462 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 4, 2017 |
| Property Address | 654 THOMAS AVE, SAINT PAUL, MN 55104-2743 |
| Document Number | 0004679426 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 4679426 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $315.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 652 THOMAS AVE ST PAUL MN 551042743, ST PAUL, MN 55104-2743 |
| Document Number | 4679427 |
|---|---|
| Date | Oct 4, 2017 |
| Instrument | 4679427 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 3, 2047 |
The 2025 property tax bill for 654 Thomas Ave was $30.
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 | $900 Land $900 | $900 Land $900 | |
| 2025 | $30.00 | ||
| 2023 | $28.00 | $900 Land $900 | $900 Land $900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 654 Thomas 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.
The area around 654 Thomas 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.
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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