681 Front Ave, Saint Paul, MN 55103 Property Records

Ramsey County property record for 681 Front Ave, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 864 sqft · built 1946
Lot Size	0.133 acres (5,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (May 2023)
Tax Bill	$3,544 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-14-0143`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-14-0143`
Alternative APNs	`8204771` `235077`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	720 sqft
Game Room	Game Room

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1962
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,810 sqft (0.133 acres)
Lot Dimensions	166 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	235077
Street Address	681 FRONT AVE
City	SAINT PAUL
State	MN
Zip	55103-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WARE AND HOSPES ADDITION,TO ST LOT 30 BLK 6
Legal Range	23
Legal Township	29
Legal Section	26
Legal Subdivision	WARE AND HOSPES ADDITION,TO ST
Legal Block	6
Legal Lot Number	30
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1009
Census Tract	31200

Owner

Source: Ramsey County records, as of August 17, 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	681 FRONT AVE, SAINT PAUL, MN 55103-1419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
May 29, 2020	Loan Modification, Mortgage · Conventional Mortgage SUNRISE BK
May 5, 2018	Loan Modification, Mortgage SUNRISE BK
Jan 18, 2018	Quit Claim Deed, Transfer LAND TITLE CORPORATION
Aug 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNRISE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on Record
Deed Sale	May 17, 2023 · Amount on Record
Prior Sale	Dec 20, 2005 · Amount on Record
Deed Document Number	20232754159
Prior Transfer Date	Jan 2, 2018
Prior Transfer Doc	0002606452
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 17, 2023
Property Address	681 FRONT AVE, SAINT PAUL, MN 55103-1419
Document Number	0T02754159
Instrument Date	Apr 25, 2023
Instrument	T02754159
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Amount	Amount Recorded
Tax	$792.00
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	681 FRONT AVE, SAINT PAUL, MN 55103-1419

Mortgage

Document Number	0T02754160
Date	May 17, 2023
Instrument	T02754160

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Mortgage

Document Number	0T02754161
Date	May 17, 2023
Instrument	T02754161

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	681 FRONT AVE, SAINT PAUL, MN 55103-1419
Document Number	0002668995
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3539 DOUGLAS DR N CRYSTAL MN 554222415, CRYSTAL, MN 55422-2415

Mortgage

Document Number	0002668995
Date	Jul 7, 2020
Instrument	2668995

Lender

Name	SUNRISE BK
Type	Bank
Address	SAINT PAUL, MN 55108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	681 FRONT AVE, SAINT PAUL, MN 55103-1419
Document Number	0002619489
Instrument Date	May 5, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3539 DOUGLAS DR N CRYSTAL MN 554222415, CRYSTAL, MN 55422-2415

Mortgage

Document Number	0002619489
Date	Jul 24, 2018
Instrument	2619489

Lender

Name	SUNRISE BK
Type	Bank
Address	ST PAUL, MN 55108

Agreement

Term	120 Months
Due	Jul 23, 2028

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 18, 2018
Property Address	681 FRONT AVE, SAINT PAUL, MN 55103-1419
Document Number	0002606452
Instrument Date	Jan 2, 2018
Instrument	2606452
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	LAND TITLE CORPORATION

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	3539 DOUGLAS DR N CRYSTAL MN 554222415, CRYSTAL, MN 55422-2415

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	681 FRONT AVE, SAINT PAUL, MN 55103-1419
Document Number	0002596679
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3539 DOUGLAS DR N CRYSTAL MN 554222415, CRYSTAL, MN 55422-2415

Mortgage

Document Number	0002596679
Date	Sep 14, 2017
Instrument	2596679

Lender

Name	SUNRISE BK
Type	Bank
Address	ST PAUL, MN 55108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$231,200 (+20.61%) Land $31,700 Building $199,500	$231,200 (+20.61%) Land $31,700 Building $199,500
2025	$3,544.00 (+12.08%)
2023	$3,162.00	$191,700 Land $31,700 Building $160,000	$191,700 Land $31,700 Building $160,000

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	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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