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976 Saint Clair Ave, Saint Paul, MN 55105 Property Records

Ramsey County property record for 976 Saint Clair Ave, Saint Paul, MN 55105

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 2,576 sqft · built 1926
Lot Size0.172 acres (7,482 sqft)
Owner2 Individual Names on Record
Last Sale$152,500 (Oct 1996)
Tax Bill$8,250 (2025)
Deeds & MortgagesJul 2021 Mortgage
Jan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN11-28-23-21-0012

Property Details

APN / Parcel Number

Primary APN11-28-23-21-0012
Alternative APNs
  • 8081288
  • 100856

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms12 Rooms
Units2 Units
Stories2 Stories
Building Area2,576 sqft Living Area
1st Floor Area1,288 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1960
Architectural StyleBi-Level
Exterior MaterialStucco
Lot Area7,482 sqft (0.172 acres)
Lot Dimensions129 ft deep x 58 ft wide
Garage TypeDetached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number100856
Street Address976 SAINT CLAIR AVE
CitySAINT PAUL
StateMN
Zip55105-3214
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal DescriptionAUDITORS SUBDIVISION NO. 74 LOT 1
Legal Range23
Legal Township28
Legal Section11
Legal SubdivisionAUDITORS SUBDIVISION NO. 74
Legal Lot Number1
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group1
Census Block1001
Census Tract36700

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 Record2 Individual Names on Record
Mailing Address976 SAINT CLAIR AVE, SAINT PAUL, MN 55105-3214
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2021Deed of Trust, Mortgage · VA Mortgage
LOW VA RATES LLC
Jan 10, 2020Deed of Trust, Mortgage · VA Mortgage
NBKC BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 21, 1996 · Amount on Record
Deed SaleOct 21, 1996 · Amount on Record
Deed Document Number1996237344
Record UpdatedSep 20, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address976 SAINT CLAIR AVE, SAINT PAUL, MN 55105-3214
Transaction TypeMortgage
Record UpdatedAug 30, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0A04898809
DateJul 28, 2021
InstrumentA04898809
Lender
NameLOW VA RATES LLC
TypeMortgage Company
AddressKANSAS CITY, MO 64114
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2051

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address976 SAINT CLAIR AVE, SAINT PAUL, MN 55105-3214
Document Number0004793426
Instrument DateJan 10, 2020
Transaction TypeMortgage
Record UpdatedFeb 5, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address976 SAINT CLAIR AVE ST PAUL MN 551053214, ST PAUL, MN 55105-3214

Mortgage

Document Number0004793426
DateJan 16, 2020
Instrument4793426
Lender
NameNBKC BK
AddressKANSAS CITY, MO 64114
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 15, 2050

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
MunicipalitySt. Paul City
Unified School DistrictSt. Paul Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$460,700 (-8.04%) Land $103,600 Building $357,100$460,700 (-8.04%) Land $103,600 Building $357,100
2025$8,250.00 (+4.67%)
2023$7,882.00$501,000 Land $103,600 Building $397,400$501,000 Land $103,600 Building $397,400

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 97% of the US · lower than 89% of Minnesota
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSaint Paul Regional Water Services
serves 392,529 people · EPA ID MN1620026
Water SourceSurface water
Last State InspectionSep 2025
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Apr 2022
Monitoring and Reporting2
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 684 locations within half a mile, as of December 31, 2025

ProviderMax 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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