885 Thomas Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 885 Thomas Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,093 sqft · built 1900
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$505 (Feb 2022)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-21-0044`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-21-0044`
Alternative APNs	`8291123` `329386`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,093 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1935
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	329386
Street Address	885 THOMAS AVE
City	SAINT PAUL
State	MN
Zip	55104-2139
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	THOMAS STREET ADDITION TO,THE W 16.5 FT OF LOT 12 & ALL OF LOT 11
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	THOMAS STREET ADDITION TO,THE
Legal Lot Number	12,11
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4000
Census Tract	32500

Owner

885 Thomas Ave, a duplex, is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	885 THOMAS AVE, SAINT PAUL, MN 55104-2139
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEND SMART MORTGAGE LLC
Nov 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FIN'L FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2022 · Amount on File
Deed Sale	Feb 11, 2022 · Amount on File
Prior Sale	Nov 19, 2008 · Amount on File
Deed Document Number	20224933802
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	885 THOMAS AVE, SAINT PAUL, MN 55104-2139
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04876264
Date	Apr 9, 2021
Instrument	A04876264

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company
Address	SAINT PAUL, MN 55128

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	885 THOMAS AVE, SAINT PAUL, MN 55104-2139
Document Number	0004740223
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	885 THOMAS AVE ST PAUL MN 551042139, ST PAUL, MN 55104-2139

Mortgage

Document Number	0004740223
Date	Dec 21, 2018
Instrument	4740223

Lender

Name	TRUSTONE FIN'L FCU
Type	Credit Union
Address	PLYMOUTH, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 20, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 885 Thomas Ave was $4,356 with a homeowner's exemption.

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		$268,900 Land $25,000 Building $243,900	$268,900 Land $25,000 Building $243,900
2025	$4,356.00
2023	$3,606.00 Homeowner's exemption	$249,700 (+9.04%) Land $20,000 Building $229,700	$249,700 (+9.04%) Land $20,000 Building $229,700
2022		$229,000 Land $20,000 Building $209,000	$229,000 Land $20,000 Building $209,000

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

Flood

FEMA maps place 885 Thomas Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 885 Thomas Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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