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686 Duluth St, Saint Paul, MN 55106 Property Records

Ramsey County property record for 686 Duluth St, Saint Paul, MN 55106

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,308 sqft · built 1913
Lot Size0.112 acres (4,922 sqft)
OwnerIndividual Name on File
Last Sale$285,000 (Mar 2024)
Tax Bill$5,568 (2023)
Deeds & MortgagesDec 2025 Mortgage
Mar 2024 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN33-29-22-11-0127

Property Details

APN / Parcel Number

Primary APN33-29-22-11-0127

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,308 sqft Living Area
Gross Area1,196 sqft
1st Floor Area776 sqft

Exterior

Year BuiltBuilt 1913
Effective Year BuiltEffective 1951
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Roof TypeShed Roof
Lot Area4,922 sqft (0.112 acres)
Lot Dimensions80 ft deep x 62 ft wide
TerrainAbove Road/Slope
Garage TypeDetached
Garage Area361 sqft
Parking Spaces1 Parking Space
Shed1 Shed
Shed Area171 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
Heating FuelGas

Location & Zoning

Street Address686 DULUTH ST
CitySAINT PAUL
StateMN
Zip55106-4710
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionA GOTZIANS RE OF SIGEL'S ADD N 1/2 OF LOTS 14 AND LOT 15 BLK 31
Legal Range22
Legal Township29
Legal Section33
Legal Quarter1
Quarter-Quarter Section1
Legal SubdivisionA GOTZIANS RE OF SIGELS ADD
Legal Block31
Legal Lot Number14-15
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group2
Census Block2005
Census Tract34601

Owner

Source: Ramsey County records · APN 33-29-22-11-0127

Assessment roll updated February 1, 2023 · Last verified May 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address686 DULUTH ST, SAINT PAUL, MN 55106-4710
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 16, 2025Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Mar 08, 2024Warranty Deed, Transfer · FHA Mortgage
TRUSTONE FINANCIAL CU
Sep 08, 2020Warranty Deed, Transfer · Conventional with PMI
WINTRUST MTG
Aug 10, 2018Warranty Deed, Transfer
BURNET TITLE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 08, 2024 · Amount on Record
Deed SaleMar 08, 2024 · Amount on Record
Prior SaleSep 08, 2020 · Amount on Record
Deed Document NumberA05018675
Record UpdatedJun 07, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address686 DULUTH ST, SAINT PAUL, MN 55106-4710
Transaction TypeMortgage
Record UpdatedDec 26, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 DULUTH ST, SAINT PAUL, MN 55106-4710

Mortgage

Document Number0A05090092
DateDec 16, 2025
InstrumentA05090092
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2055
Interest
Rate TypeAdjustable Rate
Rate4.25%
Type Change DateJan 01, 2031
Change FrequencyMonthly
Min Rate At Change3.25%
Max Rate At Change5.25%
Index12-Month MTA
Max Rate5%

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateMar 08, 2024
Property Address686 DULUTH ST, SAINT PAUL, MN 55106-4710
Document Number0A05018675
Instrument DateJan 11, 2024
InstrumentA05018675
Transaction TypeTransfer
Record UpdatedMar 14, 2024
Title CompanyTITLE ONE PREMIER GROUP INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$940.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 DULUTH ST, SAINT PAUL, MN 55106-4710

Mortgage

Document Number0A05019181
DateMar 14, 2024
InstrumentA05019181
Lender
NameTRUSTONE FINANCIAL CU
TypeCredit Union
AddressMINNEAPOLIS, MN 55447
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueFeb 01, 2054

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateSep 08, 2020
Property Address686 DULUTH ST, SAINT PAUL, MN 55106-4710
Document Number0004831367
Instrument DateAug 14, 2020
Instrument4831367
Transaction TypeTransfer
Record UpdatedSep 23, 2020
Title CompanyABSOLUTE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$884.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address686 DULUTH ST ST PAUL MN 551064710, ST PAUL, MN 55106-4710

Mortgage

Document Number4831370
DateSep 08, 2020
Instrument4831370
Lender
NameWINTRUST MTG
TypeMortgage Company
AddressROSEMONT, IL 60018
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueSep 07, 2050

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateAug 10, 2018
Property Address686 DULUTH ST, SAINT PAUL, MN 55106-4710
Document Number0004722149
Instrument DateJul 17, 2018
Instrument4722149
Transaction TypeTransfer
Record UpdatedAug 20, 2018
Title CompanyBURNET TITLE LLC

Transaction

AmountAmount Recorded
Tax$785.40
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 DULUTH ST ST PAUL MN 551064710, ST PAUL, MN 55106-4710

Tax Assessment & Valuation

Source: Ramsey County records · Assessment roll updated February 1, 2023 · Last verified May 2024

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
MunicipalitySt. Paul City
Unified School DistrictSt. Paul Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2023$5,568.00 Homeowner's exemption$290,300 Land $18,400 Building $271,900$290,300 Land $18,400 Building $271,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ramsey County (27123C), updated April 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 904 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Lumen Technologies
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
LTD Broadband
Fixed Wireless		150 / 130
AT&T
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemSaint Paul Regional Water Services
serves 392,529 people
Water SourceSurface water
Last State InspectionSep 2025
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Apr 2022
Monitoring and Reporting2
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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