705 Watson Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 705 Watson Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,350 sqft · built 1884
Lot Size	0.109 acres (4,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Sep 2024)
Tax Bill	$5,860 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Aug 2020 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11-28-23-41-0117`

Property Details

APN / Parcel Number

Primary APN	`11-28-23-41-0117`
Alternative APNs	`8491010` `547568`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
1st Floor Area	742 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1940
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,750 sqft (0.109 acres)
Lot Dimensions	125 ft deep x 38 ft wide
Garage Type	Detached
Garage Area	528 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	547568
Street Address	705 WATSON AVE
City	SAINT PAUL
State	MN
Zip	55102-3911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINCHS ADDITION LOT 22 BLK 5
Legal Range	23
Legal Township	28
Legal Section	11
Legal Subdivision	FINCHS ADDITION
Legal Block	5
Legal Lot Number	22
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3002
Census Tract	36800

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	2 Individual Names on Record
Mailing Address	705 WATSON AVE, SAINT PAUL, MN 55102-3911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST SVGS BK
Aug 24, 2020	Deed of Trust, Construction Loan · Construction Mortgage PRIMECORE LLC
Apr 29, 2020	Deed of Trust, Mortgage · Line of Credit CCM FIN LLC
Mar 4, 2020	Grant Deed, Transfer KCR CORP
Mar 4, 2020	Grant Deed, Transfer PREMIER TITLE COMPANY, PREMIER TITLE
Jan 28, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2024 · Amount on Record
Deed Sale	Sep 26, 2024 · Amount on Record
Prior Sale	Aug 12, 2024 · Amount on Record
Deed Document Number	20245040063
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 18, 2020
Property Address	705 WATSON AVE, SAINT PAUL, MN 55102-3911
Document Number	0004845742
Instrument Date	Oct 13, 2020
Instrument	4845742
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	PREMIER TITLE INSURANCE AGENCY, PREMIER TITLE INS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.00
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	705 WATSON AVE ST PAUL MN 551023911, ST PAUL, MN 55102-3911

Mortgage

Document Number	4845743
Date	Nov 18, 2020
Instrument	4845743

Lender

Name	FIRST SVGS BK
Type	Federal Savings Bank
Address	CLARKSVILLE, IN 47129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

August 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	Aug 24, 2020
Property Address	705 WATSON AVE, SAINT PAUL, MN 55102-3911
Document Number	0004828844
Instrument Date	Aug 24, 2020
Instrument	4828844
Transaction Type	Construction Loan
Record Updated	Sep 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7293 GERARD DR EDEN PRAIRIE MN 553463123, EDEN PRAIRIE, MN 55346-3123

Mortgage

Document Number	0004828844
Date	Aug 24, 2020
Instrument	4828844

Lender

Name	PRIMECORE LLC
Address	PO BOX 26652, MINNEAPOLIS, MN 55426-0652

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 23, 2021

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	705 WATSON AVE, SAINT PAUL, MN 55102-3911
Document Number	0004809461
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7293 GERARD DR EDEN PRAIRIE MN 553463123, EDEN PRAIRIE, MN 55346-3123

Mortgage

Document Number	0004809461
Date	May 5, 2020
Instrument	4809461

Lender

Name	CCM FIN LLC
Address	EDINA, MN 55439

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 4, 2020
Property Address	705 WATSON AVE, SAINT PAUL, MN 55102-3911
Document Number	0004800599
Instrument Date	Mar 3, 2020
Instrument	4800599
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	PREMIER TITLE INSURANCE AGENCY, PREMIER TITLE INS AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$493.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	311 CONCORDE PL BURNSVILLE MN 553372530, BURNSVILLE, MN 55337-2530

Mortgage

Document Number	4800600
Date	Mar 4, 2020
Instrument	4800600

Lender

Name	KCR CORP
Address	7204 W 27TH ST # 226, ST LOUIS PARK, MN 55426-3175

Agreement

Amount	Amount Recorded

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 4, 2020
Property Address	705 WATSON AVE, SAINT PAUL, MN 55102-3911
Document Number	0004800598
Instrument Date	Feb 19, 2020
Instrument	4800598
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount Recorded
Tax	$391.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7293 GERARD DR EDEN PRAIRIE MN 553463123, EDEN PRAIRIE, MN 55346-3123

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 28, 2019
Property Address	705 WATSON AVE, SAINT PAUL, MN 55102-3911
Document Number	0004744333
Instrument Date	Jan 22, 2019
Instrument	4744333
Transaction Type	Foreclosure
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$433.50
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284

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		$381,400 (-0.37%) Land $40,000 Building $341,400	$381,400 (-0.37%) Land $40,000 Building $341,400
2025	$5,860.00 (+7.68%) Homeowner's exemption	$382,800 (+7.8%) Land $40,000 Building $342,800	$382,800 (+7.8%) Land $40,000 Building $342,800
2024	$5,442.00 (+3.97%)
2023	$5,234.00 Homeowner's exemption	$355,100 Land $40,000 Building $315,100	$355,100 Land $40,000 Building $315,100

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 563 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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