727 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 727 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,440 sqft · built 1915
Lot Size	0.057 acres (2,480 sqft)
Owner	Company Name on Record
Last Sale	$16,500 (Mar 2009)
Tax Bill	$4,362 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0080`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0080`
Alternative APNs	`8116767` `8120673`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1920
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	2,480 sqft (0.057 acres)
Lot Dimensions	124 ft deep x 20 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8120673
Street Address	727 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2366
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SYNDICATE NO. 2 ADDITION W 1/2 OF LOT 19 BLK 2
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	SYNDICATE NO. 2 ADDITION
Legal Block	2
Legal Lot Number	19
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 August 7, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1020 DAVERN ST, SAINT PAUL, MN 55116-2438
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit DRAKE BANK
Aug 14, 2020	Deed of Trust, Mortgage DENISE & LEONARD CURRIE
Jan 5, 2018	Loan Modification, Mortgage DRAKE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2009 · Amount on Record
Deed Sale	Mar 9, 2009 · Amount on Record
Prior Sale	Dec 8, 2005 · Amount on Record
Deed Document Number	2009373572
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	727 CHARLES AVE, SAINT PAUL, MN 55104-2366
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02729757
Date	Apr 13, 2022
Instrument	T02729757

Lender

Name	DRAKE BANK
Type	Bank
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	727 CHARLES AVE, SAINT PAUL, MN 55104-2366
Document Number	0004836019
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	727 CHARLES AVE ST PAUL MN 551042366, ST PAUL, MN 55104-2366

Mortgage

Document Number	0004836019
Date	Oct 1, 2020
Instrument	4836019

Lender

Name	DENISE & LEONARD CURRIE

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2030

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	727 CHARLES AVE, SAINT PAUL, MN 55104-2366
Document Number	0004697857
Instrument Date	Jan 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	410 SHERBURNE AVE ST PAUL MN 551031941, ST PAUL, MN 55103-1941

Mortgage

Document Number	0004697857
Date	Feb 9, 2018
Instrument	4697857

Lender

Name	DRAKE BK
Type	Bank
Address	ST PAUL, MN 55107

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 8, 2023

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		$204,700 (+17.64%) Land $25,000 Building $179,700	$204,700 (+17.64%) Land $25,000 Building $179,700
2025	$4,362.00 (+35.3%)
2023	$3,224.00	$174,000 Land $20,000 Building $154,000	$174,000 Land $20,000 Building $154,000

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.

Nearby Properties on Charles Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures