972 Forest St, Saint Paul, MN 55106 Property Records

Ramsey County property record for 972 Forest St, Saint Paul, MN 55106

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 1,906 sqft · built 1914
Lot Size	0.087 acres (3,800 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Nov 2018)
Tax Bill	$5,068 (2025)
Deeds & Mortgages	May 2020 Loan Modification May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-29-22-24-0191`

Property Details

APN / Parcel Number

Primary APN	`28-29-22-24-0191`
Alternative APNs	`8257925` `293114`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,906 sqft Living Area
1st Floor Area	956 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1951
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	3,800 sqft (0.087 acres)
Lot Dimensions	100 ft deep x 38 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	293114
Street Address	972 FOREST ST
City	SAINT PAUL
State	MN
Zip	55106-3206
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	STEVENS REARRANGEMNT L13-18 B4 LOT 5
Legal Range	22
Legal Township	29
Legal Section	28
Legal Subdivision	STEVENS REARRANGEMNT L13-18 B4
Legal Lot Number	5
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3014
Census Tract	31600

Owner

972 Forest St, a duplex, is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	972 FOREST ST, SAINT PAUL, MN 55106-3206
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 26, 2020	Loan Modification, Mortgage · FHA Mortgage US BK
May 26, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 2, 2018	Grant Deed, Transfer FSA TITLE SERVICES LLC, FSA TITLE SVCS LLC
Nov 2, 2018	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2018 · Amount on File
Deed Sale	Nov 2, 2018 · Amount on File
Prior Sale	May 15, 2014 · Amount on File
Deed Document Number	20184733866
Record Updated	Oct 29, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Property Address	972 FOREST ST, SAINT PAUL, MN 55106-3206
Document Number	0004815159
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 FOREST ST ST PAUL MN 551063206, ST PAUL, MN 55106-3206

Mortgage

Document Number	0004815159
Date	Jun 9, 2020
Instrument	4815159

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

Interest

Rate	3.87%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	972 FOREST ST, SAINT PAUL, MN 55106-3206
Document Number	0004815161
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 FOREST ST ST PAUL MN 551063206, ST PAUL, MN 55106-3206

Mortgage

Document Number	0004815161
Date	Jun 9, 2020
Instrument	4815161

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 2, 2018
Property Address	972 FOREST ST, SAINT PAUL, MN 55106-3206
Document Number	0002626929
Instrument Date	Nov 2, 2018
Instrument	2626929
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	FSA TITLE SERVICES LLC, FSA TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$561.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	972 FOREST ST ST PAUL MN 551063206, ST PAUL, MN 55106-3206

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 2, 2018
Property Address	972 FOREST ST, SAINT PAUL, MN 55106-3206
Document Number	0004733866
Instrument Date	Oct 30, 2018
Instrument	4733866
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	TITLESMART

Transaction

Amount	Amount on Record
Tax	$697.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 FOREST ST ST PAUL MN 551063206, ST PAUL, MN 55106-3206

Mortgage

Document Number	4733867
Date	Nov 2, 2018
Instrument	4733867

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Mortgage

Document Number	4733868,
Date	Nov 2, 2018
Instrument	4733868

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 972 Forest St was $5,068 with a homeowner's exemption.

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		$278,700 Land $25,000 Building $253,700	$278,700 Land $25,000 Building $253,700
2025	$5,068.00
2023	$3,680.00 Homeowner's exemption	$221,200 Land $20,000 Building $201,200	$221,200 Land $20,000 Building $201,200

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

Flood

FEMA maps place 972 Forest St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.

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 Claims	1 (1987)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1987 · Severe Storms, Tornadoes & Flooding

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

The area around 972 Forest St 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 657 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	1,000 / 75
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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