656 Summit Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 656 Summit Ave, Saint Paul, MN 55105

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 4,345 sqft · built 1889
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Aug 2024)
Tax Bill	$17,930 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-28-23-41-0005`

Property Details

APN / Parcel Number

Primary APN	`02-28-23-41-0005`
Alternative APNs	`7997048` `8941`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,345 sqft Living Area
1st Floor Area	2,288 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Wood
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	250 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	462 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	8941
Street Address	656 SUMMIT AVE
City	SAINT PAUL
State	MN
Zip	55105-3435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMIT PARK ADDITION TO,ST. PA W 1/2 OF LOT 7 AND E 3O FT OF LOT 8 BLK 1
Legal Range	23
Legal Township	28
Legal Section	02
Legal Subdivision	SUMMIT PARK ADDITION TO,ST. PA
Legal Block	1
Legal Lot Number	7,8
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3003
Census Tract	35800

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 October 2, 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	656 SUMMIT AVE, SAINT PAUL, MN 55105-3435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Sep 12, 2019	Warranty Deed, Transfer BURNET TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2024 · Amount on Record
Deed Sale	Aug 1, 2024 · Amount on Record
Prior Sale	Apr 7, 2021 · Amount on Record
Deed Document Number	20245033860
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 7, 2021
Property Address	656 SUMMIT AVE, SAINT PAUL, MN 55105-3435
Document Number	0A04875618
Instrument Date	Apr 1, 2021
Instrument	A04875618
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,966.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	656 SUMMIT AVE, SAINT PAUL, MN 55105-3435

Mortgage

Document Number	0A04875619
Date	Apr 7, 2021
Instrument	A04875619

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 12, 2019
Property Address	656 SUMMIT AVE, SAINT PAUL, MN 55105-3435
Document Number	0004773441
Instrument Date	Aug 20, 2019
Instrument	4773441
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,932.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 SUMMIT AVE ST PAUL MN 551053435, ST PAUL, MN 55105-3435

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		$1,013,500 (-6.66%) Land $297,600 Building $715,900	$1,013,500 (-6.66%) Land $297,600 Building $715,900
2025	$17,930.00 (+9.64%)	$1,085,800 (+12.66%) Land $297,600 Building $788,200	$1,085,800 (+12.66%) Land $297,600 Building $788,200
2024	$16,354.00 (+0.45%)
2023	$16,280.00	$963,800 Land $297,600 Building $666,200	$963,800 Land $297,600 Building $666,200

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 · 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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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.

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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