686 Watson Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 686 Watson Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,376 sqft · built 1884
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$219,900 (Feb 2020)
Tax Bill	$4,040 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-28-23-41-0150`

Property Details

APN / Parcel Number

Primary APN	`11-28-23-41-0150`
Alternative APNs	`8328758` `370593`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,376 sqft Living Area
1st Floor Area	816 sqft
Family Room	Family Room

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1940
Architectural Style	Bi-Level
Exterior Material	Asbestos
Foundation Type	Raised
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	370593
Street Address	686 WATSON AVE
City	SAINT PAUL
State	MN
Zip	55102-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINCHS ADDITION LOT 4 BLK 8
Legal Range	23
Legal Township	28
Legal Section	11
Legal Subdivision	FINCHS ADDITION
Legal Block	8
Legal Lot Number	4
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3006
Census Tract	36800

Owner

686 Watson Ave is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	686 WATSON AVE, SAINT PAUL, MN 55102-3912
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2020 · Amount on File
Deed Sale	Feb 11, 2020 · Amount on File
Prior Sale	Apr 28, 2009 · Amount on File
Deed Document Number	20204797287
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 11, 2020
Property Address	686 WATSON AVE, SAINT PAUL, MN 55102-3912
Document Number	0004797287
Instrument Date	Feb 7, 2020
Instrument	4797287
Transaction Type	Transfer
Record Updated	Feb 27, 2020
Title Company	PARTNERS TITLE COMPANY, PARTNERS TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$748.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 WATSON AVE ST PAUL MN 551023912, ST PAUL, MN 55102-3912

Mortgage

Document Number	4797288
Date	Feb 11, 2020
Instrument	4797288

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 686 Watson Ave was $4,040 with a homeowner's exemption.

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		$285,300 Land $38,000 Building $247,300	$285,300 Land $38,000 Building $247,300
2025	$4,040.00
2023	$3,278.00 Homeowner's exemption	$255,100 Land $38,000 Building $217,100	$255,100 Land $38,000 Building $217,100

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

Flood

FEMA maps place 686 Watson 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 686 Watson 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 651 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	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