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981 Orange Ave E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 981 Orange Ave E, Saint Paul, MN 55106

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,650 sqft · built 1947
Lot Size0.174 acres (7,598 sqft)
OwnerIndividual Name on File
Tax Bill$5,028 (2025)
Deeds & MortgagesJan 2026 Mortgage
Oct 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN21-29-22-34-0071

Property Details

APN / Parcel Number

Primary APN21-29-22-34-0071
Alternative APNs
  • 8018894
  • 32804

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,650 sqft Living Area
1st Floor Area1,258 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1962
Architectural StyleBungalow
Exterior MaterialStucco
Lot Area7,598 sqft (0.174 acres)
Lot Dimensions131 ft deep x 58 ft wide
Garage TypeAttached
Garage Area280 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number32804
Street Address981 ORANGE AVE E
CitySAINT PAUL
StateMN
Zip55106-2053
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCLAPP-THOMSSEN PHALEN LOT 18 BLK 2
Legal Range22
Legal Township29
Legal Section21
Legal SubdivisionCLAPP-THOMSSEN PHALEN
Legal Block2
Legal Lot Number18
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group1
Census Block1018
Census Tract31100

Owner

Source: Ramsey County records · APN 21-29-22-34-0071

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address981 ORANGE AVE E, SAINT PAUL, MN 55106-2053
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 23, 2026Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Oct 24, 2022Deed of Trust, Mortgage · Conventional Mortgage
HIWAY CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Record UpdatedSep 20, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address981 ORANGE AVE E, SAINT PAUL, MN 55106-2053
Transaction TypeMortgage
Record UpdatedJan 30, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address981 ORANGE AVE E, SAINT PAUL, MN 55106-2053

Mortgage

Document Number0T02809682
DateJan 23, 2026
InstrumentT02809682
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressWEST PALM BEACH, FL 33401
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2056

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRAMSEY MN
Property Address981 ORANGE AVE E, SAINT PAUL, MN 55106-2053
Transaction TypeMortgage
Record UpdatedOct 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0A04968363
DateOct 24, 2022
InstrumentA04968363
Lender
NameHIWAY CU
TypeCredit Union
AddressSAINT PAUL, MN 55103
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueSep 01, 2052
Interest
Rate TypeAdjustable Rate
Rate4.87%
Type Change DateSep 01, 2027
Change FrequencyAnnually
Min Rate At Change2.87%
Max Rate At Change6.87%
Index1-Year CMT
Max Rate10.8%

Tax Assessment & Valuation

Source: Ramsey County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
MunicipalitySt. Paul City
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$302,200 (+10.74%) Land $35,000 Building $267,200$302,200 (+10.74%) Land $35,000 Building $267,200
2025$5,028.00 (+3.03%)
2023$4,880.00 Homeowner's exemption$272,900 Land $25,000 Building $247,900$272,900 Land $25,000 Building $247,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 20, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Lumen Technologies
Fiber · DSL in parts of the area		8,000 / 8,000
Xfinity
Cable		2,000 / 250
AT&T
Fixed Wireless		100 / 20

May also be available: LTD Broadband, T-Mobile USA, Verizon.

Based on FCC filings for 894 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSaint Paul Regional Water Services
serves 392,529 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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