Ramsey County property record for 972 Saint Clair Ave, Saint Paul, MN 55105
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,082 sqft · built 1890 |
| Lot Size | 0.124 acres (5,418 sqft) |
| Owner | Trust Name on File |
| Last Sale | $360,000 (Jun 2017) |
| Tax Bill | $7,652 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-28-23-21-0013 |
| Primary APN | 11-28-23-21-0013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,082 sqft Living Area |
| 1st Floor Area | 1,058 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,418 sqft (0.124 acres) |
| Lot Dimensions | 129 ft deep x 42 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 466180 |
|---|---|
| Street Address | 972 SAINT CLAIR AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55105-3214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AUDITORS SUBDIVISION NO. 74 LOT 2 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 11 |
| Legal Subdivision | AUDITORS SUBDIVISION NO. 74 |
| Legal Lot Number | 2 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 36700 |
972 Saint Clair Ave is held in a trust since November 2023.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 972 SAINT CLAIR AVE, SAINT PAUL, MN 55105-3214 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Jun 30, 2017 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2017 · Amount on File |
| Deed Sale | Jun 30, 2017 · Amount on File |
| Prior Sale | Apr 12, 2001 · Amount on File |
| Deed Document Number | 20174665382 |
| Last Transfer Date | Nov 10, 2023 |
| Transfer Doc | 0005008318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 972 SAINT CLAIR AVE, SAINT PAUL, MN 55105-3214 |
| Document Number | 0004841261 |
| Instrument Date | Oct 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Address | 972 SAINT CLAIR AVE ST PAUL MN 551053214, ST PAUL, MN 55105-3214 |
| Document Number | 0004841261 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 4841261 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Jun 30, 2017 |
| Property Address | 972 SAINT CLAIR AVE, SAINT PAUL, MN 55105-3214 |
| Document Number | 0004665382 |
| Instrument Date | Jun 26, 2017 |
| Instrument | 4665382 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Title Company | DCA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,224.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 972 SAINT CLAIR AVE ST PAUL MN 551053214, ST PAUL, MN 55105-3214 |
| Document Number | 4665383 |
|---|---|
| Date | Jun 30, 2017 |
| Instrument | 4665383 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 29, 2047 |
The 2025 property tax bill for 972 Saint Clair Ave was $7,652.
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 | $478,200 Land $94,200 Building $384,000 | $478,200 Land $94,200 Building $384,000 | |
| 2025 | $7,652.00 | ||
| 2023 | $6,856.00 | $417,500 Land $94,200 Building $323,300 | $417,500 Land $94,200 Building $323,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 972 Saint Clair Ave 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 risk around 972 Saint Clair Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 684 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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