697 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 697 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 948 sqft · built 1889
Lot Size	0.112 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Mar 2026)
Tax Bill	$3,314 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0088`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0088`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	948 sqft Living Area
1st Floor Area	624 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	4,922 sqft (0.112 acres)
Lot Dimensions	124 ft deep x 40 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	697 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	SYNDICATE NO. 2 ADDITION LOT 26 BLK 2
Legal Range	23
Legal Township	29
Legal Section	35
Legal Quarter	1
Quarter-Quarter Section	4
Legal Subdivision	SYNDICATE NO 2 ADDITION
Legal Block	2
Legal Lot Number	26
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1005
Census Tract	32500

Owner

Source: Ramsey County records, as of March 10, 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
Co-owner	Co-owner on Record
Mailing Address	697 CHARLES AVE, SAINT PAUL, MN 55104-2719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Warranty Deed, Transfer PREMIER BANK
Dec 19, 2025	Contract Sale, Transfer · Seller Carry-Back LM PROPERTIES SAINT PAUL LLC
Nov 21, 2025	Administrator's Deed, Transfer BURNETT TITLE, BURNET TITLE
Oct 16, 2025	Warranty Deed, Construction Loan · Construction Mortgage PRINCIPAL PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2026 · Amount on Record
Deed Sale	Mar 3, 2026 · Amount on Record
Prior Sale	Nov 21, 2025 · Amount on Record
Deed Document Number	A05097775
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 3, 2026
Property Address	697 CHARLES AVE, SAINT PAUL, MN 55104-2719
Document Number	0A05097775
Instrument Date	Feb 20, 2026
Instrument	A05097775
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	697 CHARLES AVE, SAINT PAUL, MN 55104-2719

Mortgage

Document Number	0A05097776
Date	Mar 3, 2026
Instrument	A05097776

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Amount	Amount Recorded

December 2025: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	RAMSEY MN
Recording Date	Dec 19, 2025
Property Address	697 CHARLES AVE, SAINT PAUL, MN 55104-2719
Document Number	0A05090557
Instrument Date	Nov 25, 2025
Instrument	A05090557
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	697 CHARLES AVE, SAINT PAUL, MN 55104-2719

Mortgage

Date	Dec 19, 2025

Lender

Name	LM PROPERTIES SAINT PAUL LLC
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

November 2025: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 21, 2025
Property Address	697 CHARLES AVE, SAINT PAUL, MN 55104-2719
Document Number	0A05087320
Instrument Date	Nov 17, 2025
Instrument	A05087320
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1244 ALAMEDA ST, SAINT PAUL, MN 55117-4111
Investor	Possibly a Property Investor

October 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 16, 2025
Property Address	697 CHARLES AVE, SAINT PAUL, MN 55104-2719
Document Number	0A05083053
Instrument Date	Oct 10, 2025
Instrument	A05083053
Transaction Type	Construction Loan
Record Updated	Mar 11, 2026
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3140 HAMLINE AVE N, ARDEN HILLS, MN 55112-3730
Investor	Possibly a Property Investor

Mortgage

Document Number	0A05083054
Date	Oct 16, 2025
Instrument	A05083054

Lender

Name	PRINCIPAL PROPERTIES LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2025

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
2025	$3,314.00 (+15.96%) Homeowner's exemption	$226,400 (+18.85%) Land $25,000 Building $201,400	$226,400 (+18.85%) Land $25,000 Building $201,400
2023	$2,858.00 Homeowner's exemption	$190,500 Land $20,000 Building $170,500	$190,500 Land $20,000 Building $170,500

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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