975 Ryde St, Saint Paul, MN 55103 Property Records

Ramsey County property record for 975 Ryde St, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 560 sqft · built 1926
Lot Size	0.058 acres (2,525 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Aug 2019)
Tax Bill	$3,278 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-24-0172`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-24-0172`
Alternative APNs	`8345786` `389131`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	560 sqft Living Area
1st Floor Area	560 sqft
Basement Area	250 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	2,525 sqft (0.058 acres)
Lot Dimensions	101 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	389131
Street Address	975 RYDE ST
City	SAINT PAUL
State	MN
Zip	55103-1366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DENSLOWS SUBDIVISION OF,LOTS 5 E 1/2 OF VAC ALLEY ADJ AND LOT 18 BLK 54
Legal Range	23
Legal Township	29
Legal Section	26
Legal Subdivision	DENSLOWS SUBDIVISION OF,LOTS 5
Legal Block	54
Legal Lot Number	5,18
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3018
Census Tract	31200

Owner

975 Ryde St is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	975 RYDE ST, SAINT PAUL, MN 55103-1366
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
Jan 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY NEIGHBORHOOD HOUSING SVCS
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 9, 2019	Warranty Deed, Transfer · Conventional with PMI MORTGAGES UNLIMITED

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2019 · Amount on File
Deed Sale	Aug 9, 2019 · Amount on File
Prior Sale	Jan 8, 2014 · Amount on File
Deed Document Number	20194767932
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	975 RYDE ST, SAINT PAUL, MN 55103-1366
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04976841
Date	Jan 9, 2023
Instrument	A04976841

Lender

Name	COMMUNITY NEIGHBORHOOD HOUSING SVCS
Type	Government Agency
Address	SAINT PAUL, MN 55103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 19, 2043

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	975 RYDE ST, SAINT PAUL, MN 55103-1366
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A04906578
Date	Sep 9, 2021
Instrument	A04906578

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 9, 2019
Property Address	975 RYDE ST, SAINT PAUL, MN 55103-1366
Document Number	0004767932
Instrument Date	Jul 10, 2019
Instrument	4767932
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	975 RYDE ST ST PAUL MN 551031366, ST PAUL, MN 55103-1366

Mortgage

Document Number	4767933
Date	Aug 9, 2019
Instrument	4767933

Lender

Name	MORTGAGES UNLIMITED
Type	Mortgage Company
Address	MAPLE GROVE, MN 55369

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 975 Ryde St was $3,278 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		$218,400 Land $23,100 Building $195,300	$218,400 Land $23,100 Building $195,300
2025	$3,278.00
2023	$3,150.00 Homeowner's exemption	$210,200 Land $23,100 Building $187,100	$210,200 Land $23,100 Building $187,100

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

Flood

FEMA maps place 975 Ryde St 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

Wildfire risk around 975 Ryde St 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	Direct burnable vegetation

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 627 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

May also be available: GigFire.

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