976 Summit Ave, Saint Paul, MN 55105 Property Records

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

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 5,342 sqft · built 1911
Lot Size	0.568 acres (24,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,375,000 (Sep 2011)
Tax Bill	$28,874 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-28-23-31-0070`

Property Details

APN / Parcel Number

Primary APN	`02-28-23-31-0070`
Alternative APNs	`8473844` `528823`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	17 Rooms
Stories	2 Stories
Building Area	5,342 sqft Living Area
1st Floor Area	2,108 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Stucco
Lot Area	24,750 sqft (0.568 acres)
Lot Dimensions	250 ft deep x 99 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	528823
Street Address	976 SUMMIT AVE
City	SAINT PAUL
State	MN
Zip	55105-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMIT PARK ADDITION TO,ST. PA LOTS 13 AND LOT 14 BLK 27
Legal Range	23
Legal Township	28
Legal Section	02
Legal Subdivision	SUMMIT PARK ADDITION TO,ST. PA
Legal Block	27
Legal Lot Number	13,14
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3004
Census Tract	42900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Historic Hill District listed 1976 · 1,009 contributing resources · NRIS 76001067

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	976 SUMMIT AVE, SAINT PAUL, MN 55105-3031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2011 · Amount on Record
Deed Sale	Sep 12, 2011 · Amount on Record
Deed Document Number	2011392731
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	976 SUMMIT AVE, SAINT PAUL, MN 55105-3031
Document Number	0004848298
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	976 SUMMIT AVE ST PAUL MN 551053031, ST PAUL, MN 55105-3031

Mortgage

Document Number	0004848298
Date	Dec 1, 2020
Instrument	4848298

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

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		$1,565,000 (+10.95%) Land $438,700 Building $1,126,300	$1,565,000 (+10.95%) Land $438,700 Building $1,126,300
2025	$28,874.00 (+15.69%)
2023	$24,958.00	$1,410,600 Land $438,700 Building $971,900	$1,410,600 Land $438,700 Building $971,900

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 · 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

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 662 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
T-Mobile Fixed Wireless	100 / 20