Ramsey County property record for 962 Carmel Ct, Saint Paul, MN 55126
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 1.5 ba · 1,172 sqft · built 1972 |
| Lot Size | 0.4 acres (1,742 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (May 2023) |
| Tax Bill | $3,692 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Mar 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-30-23-32-0124 |
| Primary APN | 14-30-23-32-0124 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,172 sqft Living Area |
| 1st Floor Area | 660 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,742 sqft (0.4 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 350860 |
|---|---|
| Street Address | 962 CARMEL CT |
| City | SAINT PAUL |
| State | MN |
| Zip | 55126-5881 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LAKE MARTHA SECOND ADDITION LOT 2 BLK 7 |
| Legal Range | 23 |
| Legal Township | 30 |
| Legal Section | 14 |
| Legal Subdivision | LAKE MARTHA SECOND ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 2 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | SHOREVIEW |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 40707 |
Source: Ramsey County records, as of August 24, 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 | 962 CARMEL CT, SAINT PAUL, MN 55126-5881 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2023 | Warranty Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC |
| Mar 29, 2021 | Intrafamily Transfer, Transfer |
| Oct 18, 2019 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2023 · Amount on Record |
| Deed Sale | May 15, 2023 · Amount on Record |
| Prior Sale | Sep 4, 2013 · Amount on Record |
| Deed Document Number | 20232753974 |
| Prior Transfer Date | Mar 12, 2021 |
| Prior Transfer Doc | 0002694811 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | May 15, 2023 |
| Property Address | 962 CARMEL CT, SHOREVIEW, MN 55126-5881 |
| Document Number | 0T02753974 |
| Instrument Date | May 15, 2023 |
| Instrument | T02753974 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $775.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 962 CARMEL CT, SHOREVIEW, MN 55126-5881 |
| Document Number | 0T02753975 |
|---|---|
| Date | May 15, 2023 |
| Instrument | T02753975 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Number | 0T02753976 |
|---|---|
| Date | May 15, 2023 |
| Instrument | T02753976 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Mar 29, 2021 |
| Property Address | 962 CARMEL CT, SHOREVIEW, MN 55126-5881 |
| Document Number | 0T02694811 |
| Instrument Date | Mar 12, 2021 |
| Instrument | T02694811 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 962 CARMEL CT, SHOREVIEW, MN 55126-5881 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Oct 18, 2019 |
| Property Address | 962 CARMEL CT, SHOREVIEW, MN 55126-5881 |
| Document Number | 0002650623 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 2650623 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2019 |
| Title Company | NETWORK TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $668.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 962 CARMEL CT SHOREVIEW MN 551265881, SHOREVIEW, MN 55126-5881 |
| Document Number | 2650624 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | 2650624 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2049 |
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | Shoreview City |
| Unified School District | Mounds View Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $247,800 (-0.72%) Land $50,000 Building $197,800 | $247,800 (-0.72%) Land $50,000 Building $197,800 | |
| 2025 | $3,692.00 (+28.64%) Homeowner's exemption | $249,600 (+8.24%) Land $50,000 Building $199,600 | $249,600 (+8.24%) Land $50,000 Building $199,600 |
| 2024 | $2,870.00 (+6.61%) | ||
| 2023 | $2,692.00 Homeowner's exemption | $230,600 Land $50,000 Building $180,600 | $230,600 Land $50,000 Building $180,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 | Low lower than 95% of the US · lower than 84% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | Shoreview serves 26,750 people · EPA ID MN1620020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 186 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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