Ramsey County property record for 985 Summit Ave, Saint Paul, MN 55105
| Property Type | Single Family Home |
|---|---|
| Details | 9 bd · 6 ba · 8,777 sqft · built 1892 |
| Lot Size | 0.514 acres (22,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,429,000 (Nov 2024) |
| Tax Bill | $30,722 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-28-23-23-0141 |
| Primary APN | 02-28-23-23-0141 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 24 Plumbing Fixtures |
| Total Rooms | 23 Rooms |
| Stories | 2 Stories |
| Building Area | 8,777 sqft Living Area |
| 1st Floor Area | 2,903 sqft |
| Basement Area | 3,680 sqft |
| Finished Basement | 3,680 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 22,400 sqft (0.514 acres) |
| Lot Dimensions | 280 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 529 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 155952 |
|---|---|
| Street Address | 985 SUMMIT AVE |
| City | SAINT PAUL |
| State | MN |
| Zip | 55105-3034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUMMIT PARK ADDITION TO,ST. PA EX THAT PART OF LOT 27 LYING W OF THE ...S 230 FT; LOTS 27 AND 28 BLK 33 |
| Legal Range | 23 |
| Legal Township | 28 |
| Legal Section | 02 |
| Legal Subdivision | SUMMIT PARK ADDITION TO,ST. PA |
| Legal Block | 33 |
| Legal Lot Number | 27 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 42900 |
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.
985 Summit Ave is owned and occupied by two individuals who bought it in November 2024.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 985 SUMMIT AVE, SAINT PAUL, MN 55105-3034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| Nov 14, 2019 | Deed of Trust, Mortgage CITIBANK |
| Dec 16, 2017 | Deed of Trust, Mortgage CITIBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2024 · Amount on File |
| Deed Sale | Nov 5, 2024 · Amount on File |
| Prior Sale | May 12, 2006 · Amount on File |
| Deed Document Number | 20245044666 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 985 SUMMIT AVE, SAINT PAUL, MN 55105-3034 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 985 SUMMIT AVE, SAINT PAUL, MN 55105-3034 |
| Document Number | 0A05099358 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | A05099358 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55416 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 6, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 985 SUMMIT AVE, SAINT PAUL, MN 55105-3034 |
| Document Number | 0004784622 |
| Instrument Date | Nov 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 985 SUMMIT AVE ST PAUL MN 551053034, ST PAUL, MN 55105-3034 |
| Document Number | 0004784622 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 4784622 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368-2240 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 985 SUMMIT AVE, SAINT PAUL, MN 55105-3034 |
| Document Number | 0004691894 |
| Instrument Date | Dec 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 985 SUMMIT AVE ST PAUL MN 551053034, ST PAUL, MN 55105-3034 |
| Document Number | 0004691894 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 4691894 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 26, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 985 Summit Ave was $30,722, up 9.1% from the year before.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,422,400 (-0.01%) Land $395,500 Building $1,026,900 | $1,422,400 (-0.01%) Land $395,500 Building $1,026,900 | |
| 2025 | $30,722.00 (+9.12%) | $1,422,500 Land $395,500 Building $1,027,000 | $1,422,500 Land $395,500 Building $1,027,000 |
| 2024 | $28,154.00 (+2.25%) | ||
| 2023 | $27,534.00 | $1,502,300 Land $395,500 Building $1,106,800 | $1,502,300 Land $395,500 Building $1,106,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 985 Summit Ave in Zone X, an area of minimal flood risk.
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.
The area around 985 Summit Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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 |
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