660 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 660 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 2 ba · 2,332 sqft · built 1924
Lot Size	0.112 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$297,500 (Oct 2022)
Tax Bill	$5,380 (2023)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0133`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0133`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,332 sqft Total Area
1st Floor Area	1,192 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	4,922 sqft (0.112 acres)
Lot Dimensions	124 ft deep x 40 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	660 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2716
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	E
Legal Description	CHUTE BROTHERS DIVISION,NO. 2 LOT 11
Legal Range	23
Legal Township	29
Legal Section	35
Legal Quarter	1
Quarter-Quarter Section	4
Legal Subdivision	CHUTE BROTHERS DIVISION,NO 2
Legal Lot Number	11
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 April 29, 2024

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	660 CHARLES AVE, SAINT PAUL, MN 55104-2716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage SATORI FINANCIAL MORTGAGE GROUP LLC
Jul 7, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF UTAH
Mar 27, 2019	Quit Claim Deed, Construction Loan · Construction Mortgage LIMA ONE CAP
Jul 2, 2018	Warranty Deed, Construction Loan · Construction Mortgage FINANCE OF AMERICA COM'L LLC
Jun 20, 2018	Warranty Deed, Transfer TITLE GROUP
Jun 20, 2018	Warranty Deed, Transfer TITLE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Mar 27, 2019
Deed Document Number	A04968553
Record Updated	Jun 7, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 25, 2022
Property Address	660 CHARLES AVE, SAINT PAUL, MN 55104-2716
Document Number	0A04968553
Instrument Date	Oct 18, 2022
Instrument	A04968553
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$981.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 CHARLES AVE, SAINT PAUL, MN 55104-2716

Mortgage

Document Number	0A04968554
Date	Oct 25, 2022
Instrument	A04968554

Lender

Name	SATORI FINANCIAL MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	660 CHARLES AVE, SAINT PAUL, MN 55104-2716
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04894186
Date	Jul 7, 2021
Instrument	A04894186

Lender

Name	BANK OF UTAH
Type	Bank
Address	OGDEN, UT 84401

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2019: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 27, 2019
Property Address	660 CHARLES AVE, SAINT PAUL, MN 55104-2716
Document Number	0004750913
Instrument Date	Mar 25, 2019
Instrument	4750913
Transaction Type	Construction Loan
Record Updated	Apr 4, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	462 2ND AVE S NAPLES FL 341025944, NAPLES, FL 34102-5944

Mortgage

Document Number	4750914
Date	Mar 27, 2019
Instrument	4750914

Lender

Name	LIMA ONE CAP
Type	Funding / Finance Company
Address	GREENVILLE, SC 29601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 26, 2020

July 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 2, 2018
Property Address	660 CHARLES AVE, SAINT PAUL, MN 55104-2716
Document Number	0004716115
Instrument Date	Jun 27, 2018
Instrument	4716115
Transaction Type	Construction Loan
Record Updated	Jan 14, 2019
Title Company	TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$391.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 2ND AVE S NAPLES FL 341025944, NAPLES, FL 34102-5944

Mortgage

Document Number	4716116
Date	Jul 2, 2018
Instrument	4716116

Lender

Name	FINANCE OF AMERICA COM'L LLC
Address	CHARLOTTE, NC 28210

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2019

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 20, 2018
Property Address	660 CHARLES AVE, SAINT PAUL, MN 55104-2716
Document Number	0004714190
Instrument Date	May 24, 2018
Instrument	4714190
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$170.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6837 BEARD AVE N BROOKLYN CENTER MN 554294212, BROOKLYN CENTER, MN 55429-4212

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 20, 2018
Property Address	660 CHARLES AVE, SAINT PAUL, MN 55104-2716
Document Number	0004714191
Instrument Date	May 23, 2018
Instrument	4714191
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$221.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5319 W 74TH ST EDINA MN 554392230, EDINA, MN 55439-2230

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

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
2023	$5,380.00	$292,500 Land $20,000 Building $272,500	$292,500 Land $20,000 Building $272,500

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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