976 Pacific St, Saint Paul, MN 55106 Property Records

Ramsey County property record for 976 Pacific St, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,554 sqft · built 1906
Lot Size	0.119 acres (5,200 sqft)
Owner	2 Individual Names on File
Last Sale	$273,500 (Mar 2023)
Tax Bill	$4,110 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33-29-22-34-0055`

Property Details

APN / Parcel Number

Primary APN	`33-29-22-34-0055`
Alternative APNs	`8404379` `120901`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,554 sqft Living Area
1st Floor Area	731 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1955
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,200 sqft (0.119 acres)
Lot Dimensions	130 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	120901
Street Address	976 PACIFIC ST
City	SAINT PAUL
State	MN
Zip	55106-6324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENDRICKS RE OF B4&6 MCLEAN N 1/2 VAC ALLEY ADJ AND LOT 5 BLK 6
Legal Range	22
Legal Township	29
Legal Section	33
Legal Subdivision	KENDRICKS RE OF B4&6 MCLEAN
Legal Block	6
Legal Lot Number	5
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3011
Census Tract	34500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	976 PACIFIC ST, SAINT PAUL, MN 55106-6324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 15, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 11, 2020	Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L
Apr 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BK
Nov 19, 2018	Warranty Deed, Construction Loan · Construction Mortgage PREMIER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023 · Amount on File
Deed Sale	Mar 13, 2023 · Amount on File
Prior Sale	Mar 3, 2023 · Amount on File
Deed Document Number	20234982451
Prior Transfer Date	Dec 5, 2012
Prior Transfer Doc	0004378199
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 13, 2023
Property Address	976 PACIFIC ST, SAINT PAUL, MN 55106-6324
Document Number	0A04982451
Instrument Date	Mar 3, 2023
Instrument	A04982451
Transaction Type	Transfer
Record Updated	Mar 17, 2023
Title Company	EAGLE CRK TITLE, EAGLE CREEK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$902.55
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 PACIFIC ST, SAINT PAUL, MN 55106-6324

Mortgage

Document Number	0A04982452
Date	Mar 13, 2023
Instrument	A04982452

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	976 PACIFIC ST, SAINT PAUL, MN 55106-6324
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 PACIFIC ST, SAINT PAUL, MN 55106-6324

Mortgage

Document Number	0A04913429
Date	Oct 15, 2021
Instrument	A04913429

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 11, 2020
Property Address	976 PACIFIC ST, SAINT PAUL, MN 55106-6324
Document Number	0004801604
Instrument Date	Feb 3, 2020
Instrument	4801604
Transaction Type	Transfer
Record Updated	Apr 16, 2020
Title Company	EAGLE CRK TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$748.00
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	976 PACIFIC ST ST PAUL MN 551066324, ST PAUL, MN 55106-6324

Mortgage

Document Number	4801605
Date	Mar 11, 2020
Instrument	4801605

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2050

Mortgage

Document Number	4801606,
Date	Mar 11, 2020
Instrument	4801606

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	976 PACIFIC ST, SAINT PAUL, MN 55106-6324
Document Number	0004755704
Instrument Date	Apr 30, 2019
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 PACIFIC ST ST PAUL MN 551066324, ST PAUL, MN 55106-6324

Mortgage

Document Number	0004755704
Date	May 9, 2019
Instrument	4755704

Lender

Name	PREMIER BK
Type	Bank
Address	MAPLEWOOD, MN 55109-1384

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 8, 2034

November 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 19, 2018
Property Address	976 PACIFIC ST, SAINT PAUL, MN 55106-6324
Document Number	0004735735
Instrument Date	Nov 1, 2018
Instrument	4735735
Transaction Type	Construction Loan
Record Updated	Dec 7, 2018
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$724.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 PACIFIC ST ST PAUL MN 551066324, ST PAUL, MN 55106-6324

Mortgage

Document Number	4735736
Date	Nov 19, 2018
Instrument	4735736

Lender

Name	PREMIER BK
Type	Bank
Address	BLAINE, MN 55449

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 18, 2019

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		$263,400 (+0.08%) Land $20,200 Building $243,200	$263,400 (+0.08%) Land $20,200 Building $243,200
2025	$4,110.00 (-12.25%) Homeowner's exemption	$263,200 (+4.28%) Land $20,200 Building $243,000	$263,200 (+4.28%) Land $20,200 Building $243,000
2023	$4,684.00 Homeowner's exemption	$252,400 Land $12,900 Building $239,500	$252,400 Land $12,900 Building $239,500

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
GigFire Fixed Wireless	150 / 130

976 Pacific St, Saint Paul, MN 55106 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

April 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Warranty Deed, Construction Loan

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Pacific St

Nearby Streets

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