658 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 658 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,167 sqft · built 1884
Lot Size	0.114 acres (4,960 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jun 2019)
Tax Bill	$3,946 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0132`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0132`
Alternative APNs	`8603125` `669840`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,167 sqft Living Area
1st Floor Area	804 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Asbestos
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Water Source	Well

Location & Zoning

Account Number	669840
Street Address	658 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHUTE BROTHERS DIVISION,NO. 2 LOT 10
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	CHUTE BROTHERS DIVISION,NO. 2
Legal Lot Number	10
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1007
Census Tract	32500

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	Individual Name on Record
Mailing Address	658 CHARLES AVE, SAINT PAUL, MN 55104-2716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
Jun 28, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Oct 27, 2003 · Amount on Record
Deed Document Number	20194762369
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	658 CHARLES AVE, SAINT PAUL, MN 55104-2716
Document Number	0004799216
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	ABSTRACT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 CHARLES AVE ST PAUL MN 551042716, ST PAUL, MN 55104-2716

Mortgage

Document Number	0004799216
Date	Feb 25, 2020
Instrument	4799216

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 24, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 28, 2019
Property Address	658 CHARLES AVE, SAINT PAUL, MN 55104-2716
Document Number	0004762369
Instrument Date	Jun 5, 2019
Instrument	4762369
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	GLOBAL CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$697.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 CHARLES AVE ST PAUL MN 551042716, ST PAUL, MN 55104-2716

Mortgage

Document Number	4762370
Date	Jun 28, 2019
Instrument	4762370

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

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		$272,800 (+22.5%) Land $25,000 Building $247,800	$272,800 (+22.5%) Land $25,000 Building $247,800
2025	$3,946.00 (+16.2%)
2023	$3,396.00	$222,700 Land $20,000 Building $202,700	$222,700 Land $20,000 Building $202,700

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 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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