769 Waterloo St, Saint Paul, MN 55107 Property Records

Ramsey County property record for 769 Waterloo St, Saint Paul, MN 55107

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 554 sqft · built 1910
Lot Size	0.041 acres (1,800 sqft)
Owner	2 Individual Names on File
Last Sale	$34,900 (May 2010)
Tax Bill	$1,842 (2025)
Deeds & Mortgages	Mar 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-28-22-44-0036`

Property Details

APN / Parcel Number

Primary APN	`08-28-22-44-0036`
Alternative APNs	`8122677` `145751`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	554 sqft Living Area
1st Floor Area	396 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Wood
Lot Area	1,800 sqft (0.041 acres)
Lot Dimensions	60 ft deep x 30 ft wide
View / Lot	Neighborhood / Spot

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	145751
Street Address	769 WATERLOO ST
City	SAINT PAUL
State	MN
Zip	55107-2429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAUL MARTINS 1ST ADDITION,TO EX N 67 5/1O FT AND EX S 28 FT LOT 1 BLK 4
Legal Range	22
Legal Township	28
Legal Section	08
Legal Subdivision	PAUL MARTINS 1ST ADDITION,TO
Legal Block	4
Legal Lot Number	1
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1000
Census Tract	37200

Owner

769 Waterloo St is owned and occupied by two individuals who acquired it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	769 WATERLOO ST, SAINT PAUL, MN 55107-2429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2010 · Amount on File
Deed Sale	May 4, 2010 · Amount on File
Prior Sale	Jan 9, 2007 · Amount on File
Deed Document Number	2010383208
Last Transfer Date	Mar 11, 2024
Transfer Doc	0005020437
Record Updated	Oct 29, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 28, 2024
Property Address	769 WATERLOO ST, SAINT PAUL, MN 55107-2429
Document Number	0A05020437
Instrument Date	Mar 11, 2024
Instrument	A05020437
Transaction Type	Transfer
Record Updated	Apr 4, 2024
Title Company	AFFINITY PLUS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	769 WATERLOO ST, SAINT PAUL, MN 55107-2429

Mortgage

Document Number	0A05020438
Date	Mar 28, 2024
Instrument	A05020438

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 5, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 769 Waterloo St was $1,842 with a homeowner's exemption.

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		$164,900 Land $12,900 Building $152,000	$164,900 Land $12,900 Building $152,000
2025	$1,842.00
2023	$2,268.00 Homeowner's exemption	$157,500 Land $10,000 Building $147,500	$157,500 Land $10,000 Building $147,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 769 Waterloo St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 769 Waterloo St has no burnable land within ember reach, so its wildfire risk is not rated.

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 256 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

May also be available: T-Mobile, Verizon.

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