Ramsey County property record for 904 Scheffer Ave, Saint Paul, MN 55102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,820 sqft · built 2005 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Jun 2021) |
| Tax Bill | $6,558 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-28-23-34-0117 |
| Primary APN | 11-28-23-34-0117 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Shed Roof |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 265670 |
|---|---|
| Street Address | 904 SCHEFFER AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55102-4012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUGGS ADDITION LOT 8 BLK 2 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 11 |
| Legal Subdivision | RUGGS ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 36700 |
Source: Ramsey County records, as of August 7, 2026
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 |
|---|---|
| Mailing Address | 904 SCHEFFER AVE, SAINT PAUL, MN 55102-4012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| May 18, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2021 · Amount on Record |
| Deed Sale | Jun 9, 2021 · Amount on Record |
| Prior Sale | May 23, 2016 · Amount on Record |
| Deed Document Number | 20212702251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 9, 2021 |
| Property Address | 904 SCHEFFER AVE, SAINT PAUL, MN 55102-4012 |
| Document Number | 0T02702251 |
| Instrument Date | Jun 1, 2021 |
| Instrument | T02702251 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | TITLENEXUS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 904 SCHEFFER AVE, SAINT PAUL, MN 55102-4012 |
| Document Number | 0T02702252 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | T02702252 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 904 SCHEFFER AVE, SAINT PAUL, MN 55102-4012 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0A04884772 |
|---|---|
| Date | May 18, 2021 |
| Instrument | A04884772 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 1, 2051 |
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 | $429,600 (+1.01%) Land $40,000 Building $389,600 | $429,600 (+1.01%) Land $40,000 Building $389,600 | |
| 2025 | $6,558.00 (+13.46%) Homeowner's exemption | $425,300 (+8.25%) Land $40,000 Building $385,300 | $425,300 (+8.25%) Land $40,000 Building $385,300 |
| 2023 | $5,780.00 Homeowner's exemption | $392,900 Land $40,000 Building $352,900 | $392,900 Land $40,000 Building $352,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 651 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
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