677 Thomas Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 677 Thomas Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,000 sqft · built 1919
Lot Size	0.097 acres (4,216 sqft)
Owner	Company Name on File
Last Sale	$3,000 (Oct 2021)
Tax Bill	$5,034 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-11-0200`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-11-0200`
Alternative APNs	`8231646` `247946`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1983
Architectural Style	Bi-Level
Exterior Material	Stucco
Lot Area	4,216 sqft (0.097 acres)
Lot Dimensions	124 ft deep x 34 ft wide
Garage Type	Attached
Garage Area	396 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	247946
Street Address	677 THOMAS AVE
City	SAINT PAUL
State	MN
Zip	55104-1881
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CHUTE BROTHERS DIVISION,NO. 4 LOT 16
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	CHUTE BROTHERS DIVISION,NO. 4
Legal Lot Number	16
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1000
Census Tract	32500

Owner

677 Thomas Ave, a duplex, is owned by a company that bought it in October 2021.

Source: Ramsey County records, as of August 7, 2026

Owner of Record	Company Name on File
Mailing Address	5865 NEAL AVE N, STILLWATER, MN 55082-2177
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Line of Credit FIRST RESOURCE BANK
Oct 11, 2021	Quit Claim Deed, Transfer · Commercial Mortgage FIRST RESOURCE BANK
Sep 3, 2021	Correction Deed
Jan 15, 2020	Deed of Trust, Mortgage · Line of Credit FIRST RESOURCE BK
Feb 22, 2019	Trustee's Deed, Construction Loan · Construction Mortgage LEE SCHAAK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2021 · Amount on File
Deed Sale	Oct 11, 2021 · Amount on File
Deed Document Number	20214912277
Prior Transfer Date	Oct 1, 2021
Prior Transfer Doc	0004912277
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	677 THOMAS AVE, SAINT PAUL, MN 55104-1881
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	GIBRALTAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04913140
Date	Oct 14, 2021
Instrument	A04913140

Lender

Name	FIRST RESOURCE BANK
Type	Bank
Address	CIRCLE PINES, MN 55014

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 1, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 11, 2021
Property Address	677 THOMAS AVE, SAINT PAUL, MN 55104-1881
Document Number	0A04912277
Instrument Date	Oct 1, 2021
Instrument	A04912277
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5865 NEAL AVE N # 137, 137, STILLWATER, MN 55082-2177

Mortgage

Document Number	0A04912278
Date	Oct 11, 2021
Instrument	A04912278

Lender

Name	FIRST RESOURCE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 1, 2026

September 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 3, 2021
Property Address	677 THOMAS AVE, SAINT PAUL, MN 55104-1881
Document Number	0A04905591
Instrument Date	Aug 25, 2021
Instrument	A04905591
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5865 NEAL AVE N # 137, 137, STILLWATER, MN 55082-2177

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	677 THOMAS AVE, SAINT PAUL, MN 55104-1881
Document Number	0004795542
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	677 THOMAS AVE ST PAUL MN 551041881, ST PAUL, MN 55104-1881

Mortgage

Document Number	0004795542
Date	Jan 30, 2020
Instrument	4795542

Lender

Name	FIRST RESOURCE BK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 29, 2025

Interest

Rate Type	Adjustable Rate

February 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 22, 2019
Property Address	677 THOMAS AVE, SAINT PAUL, MN 55104-1881
Instrument Date	Feb 8, 2019
Instrument	4747342
Transaction Type	Construction Loan
Record Updated	Mar 1, 2019
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5865 NEAL AVE N #137 STILLWATER MN 550822177, 137, STILLWATER, MN 55082-2177

Mortgage

Document Number	0004747342
Date	Feb 22, 2019
Instrument	4747342

Lender

Name	LEE SCHAAK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 21, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 677 Thomas Ave was $5,034.

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		$229,400 (-2.05%) Land $25,000 Building $204,400	$229,400 (-2.05%) Land $25,000 Building $204,400
2025	$5,034.00	$234,200 Land $25,000 Building $209,200	$234,200 Land $25,000 Building $209,200
2023	$4,474.00	$219,000 Land $20,000 Building $199,000	$219,000 Land $20,000 Building $199,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 677 Thomas Ave in Zone X, an area of minimal flood risk.

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

The area around 677 Thomas Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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