889 Thomas Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 889 Thomas Ave, Saint Paul, MN 55104

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,708 sqft · built 1884
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (May 2020)
Tax Bill	$5,142 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-21-0043`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-21-0043`
Alternative APNs	`8476790` `541310`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Units	9 Units
Stories	2 Stories
Building Area	1,708 sqft Living Area
1st Floor Area	754 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1935
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	125 ft deep x 30 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	541310
Street Address	889 THOMAS AVE
City	SAINT PAUL
State	MN
Zip	55104-2141
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	THOMAS STREET ADDITION TO,THE LOT 10
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	THOMAS STREET ADDITION TO,THE
Legal Lot Number	10
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4000
Census Tract	32500

Owner

889 Thomas Ave, a duplex, is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	889 THOMAS AVE, SAINT PAUL, MN 55104-2141
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
May 5, 2020	Warranty Deed, Transfer · Conventional Mortgage ALERUS MTG
Feb 22, 2019	Deed of Trust, Mortgage · Line of Credit ALERUS FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2020 · Amount on File
Deed Sale	May 5, 2020 · Amount on File
Prior Sale	Mar 29, 2016 · Amount on File
Deed Document Number	20204809676
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 5, 2020
Property Address	889 THOMAS AVE, SAINT PAUL, MN 55104-2141
Document Number	0004809676
Instrument Date	Apr 30, 2020
Instrument	4809676
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	TITLESMART

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	889 THOMAS AVE ST PAUL MN 551042141, ST PAUL, MN 55104-2141

Mortgage

Document Number	4809677
Date	May 5, 2020
Instrument	4809677

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 4, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	889 THOMAS AVE, SAINT PAUL, MN 55104-2141
Document Number	0004750210
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6395 COUNTY ROAD 11 INDEPENDENCE MN 553599463, INDEPENDENCE, MN 55359-9463

Mortgage

Document Number	0004750210
Date	Mar 20, 2019
Instrument	4750210

Lender

Name	ALERUS FIN'L
Type	Funding / Finance Company
Address	GRAND FORKS, ND 58201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 19, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 889 Thomas Ave was $5,142.

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		$250,700 Land $25,000 Building $225,700	$250,700 Land $25,000 Building $225,700
2025	$5,142.00
2023	$4,038.00	$217,300 Land $20,000 Building $197,300	$217,300 Land $20,000 Building $197,300

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

Flood

FEMA maps place 889 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 889 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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