809 Thomas Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 809 Thomas Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 1910
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Aug 2020)
Tax Bill	$4,414 (2023)
Deeds & Mortgages	May 2022 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-12-0194`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-12-0194`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,487 sqft Living Area
Gross Area	1,312 sqft
1st Floor Area	785 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Asbestos
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	740 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	809 THOMAS AVE
City	SAINT PAUL
State	MN
Zip	55104-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	CHUTE BROTHERS DIVISION,NO. 13 LOT 28
Legal Range	23
Legal Township	29
Legal Section	35
Legal Quarter	1
Quarter-Quarter Section	2
Legal Subdivision	CHUTE BROTHERS DIVISION,NO 1
Legal Lot Number	28
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2001
Census Tract	32500

Owner

Source: Ramsey County records, as of April 29, 2024

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	809 THOMAS AVE, SAINT PAUL, MN 55104-2750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Aug 14, 2020	Warranty Deed, Transfer · FHA Mortgage CMG FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	A04827232
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	809 THOMAS AVE, SAINT PAUL, MN 55104-2750
Transaction Type	Mortgage
Record Updated	Dec 28, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 THOMAS AVE, SAINT PAUL, MN 55104-2750

Mortgage

Document Number	0A04946697
Date	May 12, 2022
Instrument	A04946697

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Sep 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 14, 2020
Property Address	809 THOMAS AVE, SAINT PAUL, MN 55104-2750
Document Number	0004827232
Instrument Date	Aug 6, 2020
Instrument	4827232
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 THOMAS AVE ST PAUL MN 551042750, ST PAUL, MN 55104-2750

Mortgage

Document Number	4827233
Date	Aug 14, 2020
Instrument	4827233

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583-1382

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

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
2023	$4,414.00 Homeowner's exemption	$267,700 Land $20,000 Building $247,700	$267,700 Land $20,000 Building $247,700

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 845 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, T-Mobile, Verizon.

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