659 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 659 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,404 sqft · built 1900
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,500 (May 2021)
Tax Bill	$4,780 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0115`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0115`
Alternative APNs	`8127900` `247397`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	855 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	247397
Street Address	659 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SYNDICATE NO. 2 ADDITION E 20 FT OF LOT 20 & ALL OF LOT 21 BLK 1
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	SYNDICATE NO. 2 ADDITION
Legal Block	1
Legal Lot Number	20,21
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	659 CHARLES AVE, SAINT PAUL, MN 55104-2717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Apr 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2021 · Amount on Record
Deed Sale	May 28, 2021 · Amount on Record
Prior Sale	Apr 22, 2016 · Amount on Record
Deed Document Number	20214886798
Prior Transfer Date	Mar 20, 2017
Prior Transfer Doc	0004652961
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 28, 2021
Property Address	659 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0A04886798
Instrument Date	May 26, 2021
Instrument	A04886798
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$645.15
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	659 CHARLES AVE, SAINT PAUL, MN 55104-2717

Mortgage

Document Number	0A04886799
Date	May 28, 2021
Instrument	A04886799

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0A04886800
Date	May 28, 2021
Instrument	A04886800

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 3, 2017
Property Address	659 CHARLES AVE, SAINT PAUL, MN 55104-2717
Document Number	0004652961
Instrument Date	Mar 20, 2017
Instrument	4652961
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6987 HOMEWARD CT S COTTAGE GROVE MN 550164496, COTTAGE GROVE, MN 55016-4496

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		$240,300 (+13.19%) Land $25,000 Building $215,300	$240,300 (+13.19%) Land $25,000 Building $215,300
2025	$4,780.00 (+31.54%)
2023	$3,634.00	$212,300 Land $20,000 Building $192,300	$212,300 Land $20,000 Building $192,300

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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