Ramsey County property record for 870 James Ave, Saint Paul, MN 55102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,490 sqft · built 1902 |
| Lot Size | 0.103 acres (4,480 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,584 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-28-23-24-0157 |
| Primary APN | 11-28-23-24-0157 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 830 sqft |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,480 sqft (0.103 acres) |
| Lot Dimensions | 112 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8338215 |
|---|---|
| Street Address | 870 JAMES AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55102-3331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MICHEL & ROBERTSONS ADDITION LOT 3 BLK 11 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 11 |
| Legal Subdivision | MICHEL & ROBERTSONS ADDITION |
| Legal Block | 11 |
| Legal Lot Number | 3 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 36700 |
870 James Ave is owned and occupied by an individual who acquired it in April 2016.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 870 JAMES AVE, SAINT PAUL, MN 55102-3331 |
| 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 |
|---|---|
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional with PMI PENNYMAC |
| Apr 21, 2018 | Deed of Trust, Mortgage · Conventional with PMI BAY EQUITY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 9, 2016 |
| Transfer Doc | 0004602447 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 870 JAMES AVE, SAINT PAUL, MN 55102-3331 |
| Document Number | 0004801782 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 870 JAMES AVE ST PAUL MN 551023331, ST PAUL, MN 55102-3331 |
| Document Number | 0004801782 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 4801782 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 870 JAMES AVE, SAINT PAUL, MN 55102-3331 |
| Document Number | 0004707623 |
| Instrument Date | Apr 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2018 |
| Name | Verified Name |
|---|---|
| Address | 870 JAMES AVE ST PAUL MN 551023331, ST PAUL, MN 55102-3331 |
| Document Number | 0004707623 |
|---|---|
| Date | Apr 30, 2018 |
| Instrument | 4707623 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 29, 2048 |
The 2025 property tax bill for 870 James Ave was $5,584 with a homeowner's exemption.
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 | $352,400 Land $40,000 Building $312,400 | $352,400 Land $40,000 Building $312,400 | |
| 2025 | $5,584.00 | ||
| 2023 | $5,170.00 Homeowner's exemption | $321,700 Land $40,000 Building $281,700 | $321,700 Land $40,000 Building $281,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 870 James 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 870 James 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 573 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, T-Mobile, Verizon.
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