875 Albert St N, Saint Paul, MN 55104 Property Records

Ramsey County property record for 875 Albert St N, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 990 sqft · built 1925
Lot Size	0.185 acres (8,102 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Dec 2021)
Tax Bill	$3,518 (2023)
Deeds & Mortgages	May 2024 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-29-23-31-0045`

Property Details

APN / Parcel Number

Primary APN	`27-29-23-31-0045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	990 sqft Living Area
1st Floor Area	826 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	8,102 sqft (0.185 acres)
Lot Dimensions	125 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	875 ALBERT ST N
City	SAINT PAUL
State	MN
Zip	55104-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	HOYTS SUBDIVISION OF LOT 1,BLO LOT 1
Legal Range	23
Legal Township	29
Legal Section	27
Legal Quarter	3
Quarter-Quarter Section	1
Legal Subdivision	HOYTS SUBDIVISION OF LOT 1,BLO
Legal Lot Number	1
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1002
Census Tract	32200

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
Co-owner	Co-owner on Record
Mailing Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL CU
Mar 3, 2022	Intrafamily Transfer, Transfer PILLAR TITLE SERVICES
Dec 2, 2021	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021 · Amount on Record
Deed Sale	Dec 2, 2021 · Amount on Record
Prior Sale	Dec 2, 2021 · Amount on Record
Deed Document Number	0A04922184
Last Transfer Date	Mar 3, 2022
Transfer Doc	0A04936514
Record Updated	Jun 7, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304

Mortgage

Document Number	0A05024101
Date	May 3, 2024
Instrument	A05024101

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04885501
Date	May 21, 2021
Instrument	A04885501

Lender

Name	TRUSTONE FINANCIAL CU
Type	Non-Lending Institution
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAMSEY MN
Recording Date	Mar 3, 2022
Property Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304
Document Number	0A04936514
Instrument Date	Jan 12, 2022
Instrument	A04936514
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	PILLAR TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Dec 2, 2021
Property Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304
Document Number	0A04922184
Instrument Date	Nov 18, 2021
Instrument	A04922184
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	NETWORK TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$798.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	875 ALBERT ST N, SAINT PAUL, MN 55104-1304

Mortgage

Document Number	0A04922185
Date	Dec 2, 2021
Instrument	A04922185

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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	$3,518.00 Homeowner's exemption	$241,200 Land $40,000 Building $201,200	$241,200 Land $40,000 Building $201,200

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 639 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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