972 Scheffer Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 972 Scheffer Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,016 sqft · built 1910
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,144 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-28-23-34-0137`

Property Details

APN / Parcel Number

Primary APN	`11-28-23-34-0137`
Alternative APNs	`8089914` `110123`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,016 sqft Living Area
1st Floor Area	786 sqft
Family Room	Family Room

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	110123
Street Address	972 SCHEFFER AVE
City	SAINT PAUL
State	MN
Zip	55102-4014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUGGS ADDITION LOT 14 BLK 3
Legal Range	23
Legal Township	28
Legal Section	11
Legal Subdivision	RUGGS ADDITION
Legal Block	3
Legal Lot Number	14
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2006
Census Tract	36700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	972 SCHEFFER AVE, SAINT PAUL, MN 55102-4014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage WELLS FARGO BANK NA
Jul 31, 2017	Quit Claim Deed, Mortgage · FHA Mortgage BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017
Deed Sale	Jul 31, 2017
Prior Sale	Oct 12, 2007 · Amount on Record
Deed Document Number	20174669867
Prior Transfer Date	Jul 17, 2017
Prior Transfer Doc	0004669867
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	972 SCHEFFER AVE, SAINT PAUL, MN 55102-4014
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 SCHEFFER AVE, SAINT PAUL, MN 55102-4014

Mortgage

Document Number	0A05095758
Date	Feb 10, 2026
Instrument	A05095758

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	258 Months
Due	Aug 1, 2047

July 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 31, 2017
Property Address	972 SCHEFFER AVE, SAINT PAUL, MN 55102-4014
Document Number	0004669867
Instrument Date	Jul 17, 2017
Instrument	4669867
Transaction Type	Mortgage
Record Updated	Aug 8, 2017
Title Company	WATERMARK TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	972 SCHEFFER AVE ST PAUL MN 551024014, ST PAUL, MN 55102-4014

Mortgage

Document Number	4669868
Date	Jul 31, 2017
Instrument	4669868

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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		$234,300 (+32.22%) Land $40,000 Building $194,300	$234,300 (+32.22%) Land $40,000 Building $194,300
2025	$5,144.00 (+33.89%)
2023	$3,842.00 Homeowner's exemption	$177,200 Land $40,000 Building $137,200	$177,200 Land $40,000 Building $137,200

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

Flood

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

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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, T-Mobile.

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