97 Annapolis St E, Saint Paul, MN 55118 Property Records

Ramsey County property record for 97 Annapolis St E, Saint Paul, MN 55118

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,100 sqft · built 1975
Lot Size	0.169 acres (7,353 sqft)
Owner	Company Name on File
Last Sale	$480,000 (May 2023)
Tax Bill	$14,476 (2024)
Deeds & Mortgages	Nov 2025 Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-28-22-33-0191`

Property Details

APN / Parcel Number

Primary APN	`08-28-22-33-0191`
Alternative APNs	`8127840` `19023`

Interior

Building Area	2,100 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1989
Exterior Material	Brick
Lot Area	7,353 sqft (0.169 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	19023
Street Address	97 ANNAPOLIS ST E
City	SAINT PAUL
State	MN
Zip	55118-5025
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	AUDITORS SUB OF L6 BIDWELLS SUBJ TO ST; LOTS 19 & LOT 20
Legal Range	22
Legal Township	28
Legal Section	08
Legal Subdivision	AUDITORS SUB OF L6 BIDWELLS
Legal Lot Number	19-20
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2020
Census Tract	37200

Owner

97 Annapolis St E, a commercial property, is owned by a company that bought it in May 2023.

Source: Ramsey County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	13828 YORK AVE S, BURNSVILLE, MN 55337-7710
Owner Type	Company
Vesting	Limited Liability Company

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
Nov 25, 2025	Deed of Trust, Mortgage · Closed-End Mortgage MIDCOUNTRY BANK
May 5, 2023	Contract Sale, Transfer · Land Contract ANNAPOLIS AP LLC
Aug 2, 2018	Deed of Trust, Mortgage · Line of Credit LAKE CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2023 · Amount on File
Deed Sale	May 5, 2023 · Amount on File
Prior Sale	Jul 17, 2001 · Amount on File
Deed Document Number	20234987478
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	97 ANNAPOLIS ST E, SAINT PAUL, MN 55118-5025
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26151 MEADOWLARK BAY, SAN ANTONIO, TX 78260-2459

Mortgage

Document Number	0A05087598
Date	Nov 25, 2025
Instrument	A05087598

Lender

Name	MIDCOUNTRY BANK
Type	Bank
Address	LONG LAKE, MN 55356

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	35 Months
Due	Oct 15, 2028

May 2023: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	RAMSEY MN
Recording Date	May 5, 2023
Property Address	97 ANNAPOLIS ST E, SAINT PAUL, MN 55118-5025
Document Number	0A04987478
Instrument Date	Apr 27, 2023
Instrument	A04987478
Transaction Type	Transfer
Record Updated	May 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13828 YORK AVE S, BURNSVILLE, MN 55337-7710

Mortgage

Date	May 5, 2023

Lender

Name	ANNAPOLIS AP LLC
Type	Seller

Agreement

Type	Land Contract
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	97 ANNAPOLIS ST E, SAINT PAUL, MN 55118-5025
Document Number	0004722050
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13313 LAKEVIEW DR BURNSVILLE MN 553373881, BURNSVILLE, MN 55337-3881

Mortgage

Document Number	0004722050
Date	Aug 9, 2018
Instrument	4722050

Lender

Name	LAKE CMNTY BK
Type	Bank
Address	LONG LAKE, MN 55356

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 8, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of July 28, 2025

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
2025		$485,100 Land $131,200 Building $353,900	$485,100 Land $131,200 Building $353,900
2024	$14,476.00 (+21.04%)
2023	$11,960.00	$480,600 Land $131,200 Building $349,400	$480,600 Land $131,200 Building $349,400

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

Flood

FEMA maps place 97 Annapolis 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 97 Annapolis 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 653 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

Nearby Properties on Annapolis St E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures