Ramsey County property record for 856 Watson Ave, Saint Paul, MN 55102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,197 sqft · built 1911 |
| Lot Size | 0.109 acres (4,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $420,000 (Jun 2026) |
| Tax Bill | $5,076 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-28-23-42-0175 |
| Primary APN | 11-28-23-42-0175 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,197 sqft Living Area |
| 1st Floor Area | 772 sqft |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,750 sqft (0.109 acres) |
| Lot Dimensions | 125 ft deep x 38 ft wide |
| Garage Type | Detached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 104061 |
|---|---|
| Street Address | 856 WATSON AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55102-3918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLARKES ADDITION LOT 19 BLK 7 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 11 |
| Legal Subdivision | CLARKES ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 19 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 36800 |
856 Watson Ave is owned and occupied by an individual who bought it in June 2026.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 856 WATSON AVE, SAINT PAUL, MN 55102-3918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION |
| Jul 11, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BELL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on File |
| Deed Sale | Jun 22, 2026 · Amount on File |
| Prior Sale | Dec 19, 2016 · Amount on File |
| Deed Document Number | 20265110640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 22, 2026 |
| Property Address | 856 WATSON AVE, SAINT PAUL, MN 55102-3918 |
| Document Number | 0005110640 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 20265110640 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | WATERMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144,228.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 856 WATSON AVE, SAINT PAUL, MN 55102-3918 |
| Document Number | 0005110641, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 20265110641 |
| Name | NATIONAL HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 856 WATSON AVE, SAINT PAUL, MN 55102-3918 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 856 WATSON AVE, SAINT PAUL, MN 55102-3918 |
| Document Number | 0A04954844 |
|---|---|
| Date | Jul 11, 2022 |
| Instrument | A04954844 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55416 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jun 22, 2042 |
The 2025 property tax bill for 856 Watson Ave was $5,076, up 7% from the year before.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $331,100 (+3.31%) Land $40,000 Building $291,100 | $331,100 (+3.31%) Land $40,000 Building $291,100 | |
| 2025 | $5,076.00 (+6.95%) Homeowner's exemption | $320,500 Land $40,000 Building $280,500 | $320,500 Land $40,000 Building $280,500 |
| 2024 | $4,746.00 (+1.89%) | ||
| 2023 | $4,658.00 Homeowner's exemption | $312,300 Land $40,000 Building $272,300 | $312,300 Land $40,000 Building $272,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 856 Watson Ave in Zone X, an area of minimal flood risk.
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.
The area around 856 Watson Ave 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 651 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
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