734 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 734 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,508 sqft · built 1900
Lot Size	0.114 acres (4,960 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Dec 2022)
Tax Bill	$5,008 (2024)
Deeds & Mortgages	May 2026 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0166`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0166`
Alternative APNs	`8357946` `663776`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,508 sqft Living Area
1st Floor Area	1,142 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Asbestos
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	663776
Street Address	734 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2718
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CHUTE BROTHERS DIVISION,NO. 7 LOT 14
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	CHUTE BROTHERS DIVISION,NO. 7
Legal Lot Number	14
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1006
Census Tract	32500

Owner

Source: Ramsey County records, as of May 11, 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	734 CHARLES AVE, SAINT PAUL, MN 55104-2718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Dec 19, 2022	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE
Jul 13, 2018	Grant Deed, Transfer TITLE SMART INC
Feb 6, 2017	Warranty Deed, Transfer · FHA Mortgage SUMMIT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2022 · Amount on Record
Deed Sale	Dec 19, 2022 · Amount on Record
Prior Sale	Dec 19, 2022 · Amount on Record
Deed Document Number	20224974932
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	May 1, 2026
Property Address	734 CHARLES AVE, SAINT PAUL, MN 55104-2718
Document Number	0A05104378
Instrument Date	Feb 12, 2026
Instrument	20265104378
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 CHARLES AVE, SAINT PAUL, MN 55104-2718

Mortgage

Document Number	0005104378,
Date	May 1, 2026
Instrument	20265104378

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	477 Months
Due	Feb 1, 2066

Interest

Rate	6.06%
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Dec 19, 2022
Property Address	734 CHARLES AVE, SAINT PAUL, MN 55104-2718
Document Number	0A04974932
Instrument Date	Dec 19, 2022
Instrument	A04974932
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 CHARLES AVE, SAINT PAUL, MN 55104-2718

Mortgage

Document Number	0A04974933
Date	Dec 19, 2022
Instrument	A04974933

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 13, 2018
Property Address	734 CHARLES AVE, SAINT PAUL, MN 55104-2718
Document Number	0004717819
Instrument Date	Jul 6, 2018
Instrument	4717819
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	TITLE SMART INC

Transaction

Amount	Amount Recorded
Tax	$509.66
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 SAINT ALBANS ST N ST PAUL MN 551042703, ST PAUL, MN 55104-2703

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 6, 2017
Property Address	734 CHARLES AVE, SAINT PAUL, MN 55104-2718
Document Number	0004645924
Instrument Date	Feb 1, 2017
Instrument	4645924
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 CHARLES AVE ST PAUL MN 551042718, ST PAUL, MN 55104-2718

Mortgage

Document Number	4645925
Date	Feb 6, 2017
Instrument	4645925

Lender

Name	SUMMIT MTG
Type	Mortgage Company
Address	PLYMOUTH, MN 55441

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2047

Mortgage

Document Number	4645926,
Date	Feb 6, 2017
Instrument	4645926

Lender

Name	SUMMIT MTG
Type	Mortgage Company
Address	PLYMOUTH, MN 55441

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 5, 2027

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of July 28, 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		$315,600 (+11.21%) Land $25,000 Building $290,600	$315,600 (+11.21%) Land $25,000 Building $290,600
2024	$5,008.00 (+17.45%)
2023	$4,264.00 Homeowner's exemption	$283,800 Land $20,000 Building $263,800	$283,800 Land $20,000 Building $263,800

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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