689 Thomas Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 689 Thomas Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,624 sqft · built 1903
Lot Size	0.114 acres (4,960 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Nov 2020)
Tax Bill	$3,552 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-11-0185`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-11-0185`
Alternative APNs	`8224355` `256431`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,624 sqft Living Area
1st Floor Area	782 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1940
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	256431
Street Address	689 THOMAS AVE
City	SAINT PAUL
State	MN
Zip	55104-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHUTE BROTHERS DIVISION,NO. 5 LOT 28
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	CHUTE BROTHERS DIVISION,NO. 5
Legal Lot Number	28
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1001
Census Tract	32500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	689 THOMAS AVE, SAINT PAUL, MN 55104-2746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Nov 16, 2020	Grant Deed, Transfer · VA Mortgage ORION LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	20204845036
Last Transfer Date	Jul 23, 2025
Transfer Doc	0005087267
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	689 THOMAS AVE, SAINT PAUL, MN 55104-2746
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04961796
Date	Aug 30, 2022
Instrument	A04961796

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 16, 2020
Property Address	689 THOMAS AVE, SAINT PAUL, MN 55104-2746
Document Number	0004845036
Instrument Date	Oct 21, 2020
Instrument	4845036
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$629.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	689 THOMAS AVE ST PAUL MN 551042746, ST PAUL, MN 55104-2746

Mortgage

Document Number	4845037
Date	Nov 16, 2020
Instrument	4845037

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

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		$210,200 (-6.99%) Land $25,000 Building $185,200	$210,200 (-6.99%) Land $25,000 Building $185,200
2025	$3,552.00 (+14.21%) Homeowner's exemption	$226,000 (+6.75%) Land $25,000 Building $201,000	$226,000 (+6.75%) Land $25,000 Building $201,000
2024	$3,110.00 (+2.1%)
2023	$3,046.00 Homeowner's exemption	$211,700 Land $20,000 Building $191,700	$211,700 Land $20,000 Building $191,700

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	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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