655 Simpson St, Saint Paul, MN 55104 Property Records

Ramsey County property record for 655 Simpson St, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,154 sqft · built 1912
Lot Size	0.085 acres (3,700 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,674 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`34-29-23-22-0124`

Property Details

APN / Parcel Number

Primary APN	`34-29-23-22-0124`
Alternative APNs	`8214025` `245144`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,154 sqft Living Area
1st Floor Area	686 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	3,700 sqft (0.085 acres)
Lot Dimensions	100 ft deep x 37 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	245144
Street Address	655 SIMPSON ST
City	SAINT PAUL
State	MN
Zip	55104-2446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMLINE SYNDICATE ADD, NO.2 LOT 6 BLK 2
Legal Range	23
Legal Township	29
Legal Section	34
Legal Subdivision	HAMLINE SYNDICATE ADD, NO.2
Legal Block	2
Legal Lot Number	6
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1011
Census Tract	32100

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 Company Names on Record
Mailing Address	655 SIMPSON ST, SAINT PAUL, MN 55104-2446
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 20, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 20, 2025
Transfer Doc	0005083349
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	655 SIMPSON ST, SAINT PAUL, MN 55104-2446
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04956535
Date	Jul 20, 2022
Instrument	A04956535

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAMSEY MN
Recording Date	Oct 20, 2025
Property Address	655 SIMPSON ST, SAINT PAUL, MN 55104-2446
Document Number	0A05083349
Instrument Date	Oct 20, 2025
Instrument	A05083349
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	655 SIMPSON ST, SAINT PAUL, MN 55104-2446

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		$231,000 (-6.36%) Land $35,000 Building $196,000	$231,000 (-6.36%) Land $35,000 Building $196,000
2025	$3,674.00 (+11.94%) Homeowner's exemption	$246,700 (+11.28%) Land $35,000 Building $211,700	$246,700 (+11.28%) Land $35,000 Building $211,700
2023	$3,282.00 Homeowner's exemption	$221,700 Land $35,000 Building $186,700	$221,700 Land $35,000 Building $186,700

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 813 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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