976 Central Ave W, Saint Paul, MN 55104 Property Records

Ramsey County property record for 976 Central Ave W, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,662 sqft · built 1913
Lot Size	0.107 acres (4,680 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Apr 2024)
Tax Bill	$4,774 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-31-0093`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-31-0093`
Alternative APNs	`8058960` `307981`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,662 sqft Living Area
1st Floor Area	686 sqft
Basement Area	340 sqft
Finished Basement	340 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1940
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	4,680 sqft (0.107 acres)
Lot Dimensions	120 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	307981
Street Address	976 CENTRAL AVE W
City	SAINT PAUL
State	MN
Zip	55104-4724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WAGNER AND GASSERS,ADDITION T LOT 15 BLK 1
Legal Range	23
Legal Township	29
Legal Section	35
Legal Subdivision	WAGNER AND GASSERS,ADDITION T
Legal Block	1
Legal Lot Number	15
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3013
Census Tract	33500

Owner

976 Central Ave W is owned and occupied by two individuals who bought it in April 2024.

Source: Ramsey County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	976 CENTRAL AVE W, SAINT PAUL, MN 55104-4724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 5, 2024	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 22, 2022	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2024 · Amount on File
Deed Sale	Apr 5, 2024 · Amount on File
Prior Sale	Jun 22, 2022 · Amount on File
Deed Document Number	20242771905
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	976 CENTRAL AVE W, SAINT PAUL, MN 55104-4724
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 CENTRAL AVE W, SAINT PAUL, MN 55104-4724

Mortgage

Document Number	0T02813038
Date	Mar 31, 2026
Instrument	T02813038

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	337 Months
Due	Apr 1, 2054

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 5, 2024
Property Address	976 CENTRAL AVE W, SAINT PAUL, MN 55104-4724
Document Number	0T02771905
Instrument Date	Apr 2, 2024
Instrument	T02771905
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,122.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	976 CENTRAL AVE W, SAINT PAUL, MN 55104-4724

Mortgage

Document Number	0T02771906
Date	Apr 5, 2024
Instrument	T02771906

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 22, 2022
Property Address	976 CENTRAL AVE W, SAINT PAUL, MN 55104-4724
Document Number	0T02734702
Instrument Date	Jun 17, 2022
Instrument	T02734702
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2114 N 133RD ST, SEATTLE, WA 98133-7808

Mortgage

Document Number	0T02734703
Date	Jun 22, 2022
Instrument	T02734703

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

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		$342,300 Land $24,500 Building $317,800	$342,300 Land $24,500 Building $317,800
2024	$4,774.00 (+12.01%)
2023	$4,262.00 Homeowner's exemption	$287,000 Land $24,500 Building $262,500	$287,000 Land $24,500 Building $262,500

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

Flood

FEMA maps place 976 Central Ave W in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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 976 Central Ave W 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 475 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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