862 Sims Ave, Saint Paul, MN 55106 Property Records

Ramsey County property record for 862 Sims Ave, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,568 sqft · built 1894
Lot Size	0.095 acres (4,125 sqft)
Owner	2 Individual Names on File
Last Sale	$224,000 (Mar 2021)
Tax Bill	$3,122 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jun 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28-29-22-32-0124`

Property Details

APN / Parcel Number

Primary APN	`28-29-22-32-0124`
Alternative APNs	`8398203` `446458`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	896 sqft
Family Room	Family Room

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,125 sqft (0.095 acres)
Lot Dimensions	125 ft deep x 33 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	446458
Street Address	862 SIMS AVE
City	SAINT PAUL
State	MN
Zip	55106-3826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAMS RE B7&PTB4 NELSONS LOT 5 BLK 1
Legal Range	22
Legal Township	29
Legal Section	28
Legal Subdivision	WILLIAMS RE B7&PTB4 NELSONS
Legal Block	1
Legal Lot Number	5
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2006
Census Tract	31600

Owner

862 Sims Ave is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	862 SIMS AVE, SAINT PAUL, MN 55106-3826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Mar 23, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 3, 2020	Warranty Deed, Transfer · Line of Credit CCM FIN LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2021 · Amount on File
Deed Sale	Mar 23, 2021 · Amount on File
Prior Sale	Jun 3, 2020 · Amount on File
Deed Document Number	20214871799
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 23, 2021
Property Address	862 SIMS AVE, SAINT PAUL, MN 55106-3826
Document Number	0A04871799
Instrument Date	Mar 11, 2021
Instrument	A04871799
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$739.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	862 SIMS AVE, SAINT PAUL, MN 55106-3826

Mortgage

Document Number	0A04871800
Date	Mar 23, 2021
Instrument	A04871800

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 3, 2020
Property Address	862 SIMS AVE, SAINT PAUL, MN 55106-3826
Document Number	0004814391
Instrument Date	Mar 21, 2020
Instrument	4814391
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	TITLESMART

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6439 PHEASANT HILLS DR LINO LAKES MN 550383328, LINO LAKES, MN 55038-3328

Mortgage

Document Number	4814392
Date	Jun 3, 2020
Instrument	4814392

Lender

Name	CCM FIN LLC
Address	EDINA, MN 55439

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 862 Sims Ave was $3,122.

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		$242,900 Land $25,000 Building $217,900	$242,900 Land $25,000 Building $217,900
2025	$3,122.00
2023	$3,304.00	$218,500 Land $20,000 Building $198,500	$218,500 Land $20,000 Building $198,500

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

Flood

FEMA maps place 862 Sims 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.

Wildfire

The area around 862 Sims 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.

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 657 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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