Ramsey County property record for 684 State St, Saint Paul, MN 55107
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 2,156 sqft · built 1983 |
| Lot Size | 0.296 acres (12,870 sqft) |
| Owner | Individual Name on File |
| Last Sale | $383,000 (Jul 2022) |
| Tax Bill | $16,640 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-28-22-31-0123 |
| Primary APN | 08-28-22-31-0123 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,156 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 798 sqft |
| Finished Basement | 798 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Cape Cod |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 12,870 sqft (0.296 acres) |
| Lot Dimensions | 165 ft deep x 78 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 665693 |
|---|---|
| Street Address | 684 STATE ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55107-3064 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | BRYANT AND MINEAS REARANGEMENT PT SELY OF STATE ST OF LOT 1 BLK 3 ...FOL; LOTS 1, 2 & LOT 3 BLK 13 |
| Legal Range | 22 |
| Legal Township | 28 |
| Legal Section | 08 |
| Legal Subdivision | BRYANT AND MINEAS REARANGEMENT |
| Legal Block | 3 |
| Legal Lot Number | 1,2 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 37200 |
684 State St, a duplex, is owned and occupied by an individual who bought it in July 2022.
Source: Ramsey County records, as of September 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 684 STATE ST, SAINT PAUL, MN 55107-3064 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 12, 2022 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Aug 25, 2017 | Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2022 · Amount on File |
| Deed Sale | Jul 12, 2022 · Amount on File |
| Prior Sale | Jan 14, 1999 · Amount on File |
| Deed Document Number | 20222736163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 684 STATE ST, SAINT PAUL, MN 55107-3064 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0A04865267 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | A04865267 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 320 Months |
| Due | Oct 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jul 12, 2022 |
| Property Address | 684 STATE ST, SAINT PAUL, MN 55107-3064 |
| Document Number | 0T02736163 |
| Instrument Date | May 10, 2022 |
| Instrument | T02736163 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,263.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 684 STATE ST, SAINT PAUL, MN 55107-3064 |
| Document Number | 0T02736164 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | T02736164 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Aug 25, 2017 |
| Property Address | 684 STATE ST, SAINT PAUL, MN 55107-3064 |
| Document Number | 0002595258 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 2595258 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2018 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $764.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 682 STATE ST #684 ST PAUL MN 551073064, 684, ST PAUL, MN 55107-3064 |
| Document Number | 2595259 |
|---|---|
| Date | Aug 25, 2017 |
| Instrument | 2595259 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 24, 2047 |
The 2025 property tax bill for 684 State St was $16,640 with a homeowner's exemption.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $373,900 Land $42,500 Building $331,400 | $373,900 Land $42,500 Building $331,400 | |
| 2025 | $16,640.00 | ||
| 2023 | $4,866.00 Homeowner's exemption | $364,700 Land $32,900 Building $331,800 | $364,700 Land $32,900 Building $331,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 684 State St 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.
The area around 684 State St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 607 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 | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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