969 3rd St E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 969 3rd St E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 936 sqft · built 1924
Lot Size	0.113 acres (4,920 sqft)
Owner	Individual Name on File
Last Sale	$225,900 (Jan 2022)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	May 2024 Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-29-22-24-0184`

Property Details

APN / Parcel Number

Primary APN	`33-29-22-24-0184`
Alternative APNs	`8363306` `408327`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	540 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	4,920 sqft (0.113 acres)
Lot Dimensions	123 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	408327
Street Address	969 3RD ST E
City	SAINT PAUL
State	MN
Zip	55106-5203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHARD MCCARRICKS SUB B88 LYM LOT 23 BLK 88
Legal Range	22
Legal Township	29
Legal Section	33
Legal Subdivision	RICHARD MCCARRICKS SUB B88 LYM
Legal Block	88
Legal Lot Number	23
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1015
Census Tract	34500

Owner

969 3rd St E is owned and occupied by an individual who bought it in January 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	969 3RD ST E, SAINT PAUL, MN 55106-5203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jan 7, 2022	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2022 · Amount on File
Deed Sale	Jan 7, 2022 · Amount on File
Prior Sale	Jul 13, 2021 · Amount on File
Deed Document Number	20224928280
Prior Transfer Date	Apr 11, 2007
Prior Transfer Doc	0000358995
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	969 3RD ST E, SAINT PAUL, MN 55106-5203
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	969 3RD ST E, SAINT PAUL, MN 55106-5203

Mortgage

Document Number	0A05024893
Date	May 10, 2024
Instrument	A05024893

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Jan 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 7, 2022
Property Address	969 3RD ST E, SAINT PAUL, MN 55106-5203
Document Number	0A04928280
Instrument Date	Dec 17, 2021
Instrument	A04928280
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount on Record
Tax	$745.47
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	969 3RD ST E, SAINT PAUL, MN 55106-5203

Mortgage

Document Number	0A04928281
Date	Jan 7, 2022
Instrument	A04928281

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Mortgage

Document Number	0A04928282
Date	Jan 7, 2022
Instrument	A04928282

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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		$226,900 (-2.83%) Land $22,300 Building $204,600	$226,900 (-2.83%) Land $22,300 Building $204,600
2025	$3,840.00 (+10.34%) Homeowner's exemption	$233,500 (+6.14%) Land $22,300 Building $211,200	$233,500 (+6.14%) Land $22,300 Building $211,200
2024	$3,480.00 (-1.3%)
2023	$3,526.00 Homeowner's exemption	$220,000 Land $11,600 Building $208,400	$220,000 Land $11,600 Building $208,400

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

Flood

FEMA maps place 969 3rd St E in Zone X, an area of minimal flood risk.

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

The area around 969 3rd St E has no burnable land within ember reach, so its wildfire risk is not rated.

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 661 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	1,000 / 75
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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