978 3rd St E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 978 3rd St E, Saint Paul, MN 55106 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1950
Square Footage	745 sqft Living Area
Lot Size	4,920 sqft (0.113 acres)
Occupancy	Owner Occupied
Last Sale	$230,000 (2026)
Tax Bill	$2,612.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`33-29-22-24-0196`
Alternative APNs	`8200076` `229877`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	745 sqft Living Area
1st Floor	684 sqft 1st Floor
Basement Area	61 sqft Basement
Finished Basement	61 sqft Finished
Stories	1 Stories

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1950
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	4,920 sqft (0.113 acres)
Depth X Width	123 ft x 40 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	216 sqft Garage

Utilities and HVAC

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

Location & Zoning

Account Number	229877
Street Address	978 3RD ST E
City	SAINT PAUL
State	MN
Zip	55106-5243
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	JOSEPH ARTHS SUB OF B85 LYMAN LOT 6 BLK 85
Legal Range	22
Legal Township	29
Legal Section	33
Legal Subdivision	JOSEPH ARTHS SUB OF B85 LYMAN
Legal Block	85
Legal Lot Number	6
Jurisdiction	RAMSEY MN
Minor Civil Division	ST. PAUL
Census Blockgroup	2
Census Block	2001
Census Tract	34500

Owner

Source: Ramsey County records · APN 33-29-22-24-0196

Assessment roll updated July 28, 2025 · Last verified July 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 File
Mailing Address	978 3RD ST E, SAINT PAUL, MN 55106-5243
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Apr 01, 2024	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jun 10, 2022	Warranty Deed, Transfer · Commercial Mortgage WESTCONSIN CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Apr 01, 2024 · Amount on Record
Deed Doc Number	20265110993
Record Refreshed	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 24, 2026
Property Address	978 3RD ST E, SAINT PAUL, MN 55106-5243
Document Number	0005110993
Instrument Date	Jun 22, 2026
Instrument	20265110993
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$78,982.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	978 3RD ST E, SAINT PAUL, MN 55106-5243
Investor	Possibly a Property Investor

Mortgage

Document Number	0005110994,
Date	Jun 24, 2026
Instrument	20265110994

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 01, 2024
Property Address	978 3RD ST E, SAINT PAUL, MN 55106-5243
Document Number	0A05020698
Instrument Date	Mar 28, 2024
Instrument	A05020698
Transaction Type	Transfer
Record Updated	Apr 09, 2024
Title Company	GREAT NORTHERN TITLE, GREAT NORTH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 3RD ST E, SAINT PAUL, MN 55106-5243

Mortgage

Document Number	0A05020699
Date	Apr 01, 2024
Instrument	A05020699

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 10, 2022
Property Address	978 3RD ST E, SAINT PAUL, MN 55106-5243
Document Number	0A04950821
Instrument Date	Jun 03, 2022
Instrument	A04950821
Transaction Type	Transfer
Record Updated	Apr 09, 2024
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 MEYER AVE, CAMERON, WI 54822-8404

Mortgage

Document Number	0A04950822
Date	Jun 10, 2022
Instrument	A04950822

Lender

Name	WESTCONSIN CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 05, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Ramsey County records · Assessment roll updated July 28, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,612.00 (-5.36%)	$198,900 (+15.51%) Land $22,300 Building $176,600	$198,900 (+15.51%) Land $22,300 Building $176,600
2024	$2,760.00 (-20.37%)
2023	$3,466.00	$172,200 Land $11,600 Building $160,600	$172,200 Land $11,600 Building $160,600

Flood & Wildfire

978 3rd St E is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Ramsey County (27123C), updated April 20, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

978 3rd St E, Saint Paul, MN 55106 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on 3rd St E

Nearby Streets

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