986 4th St E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 986 4th St E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 820 sqft · built 1882
Lot Size	0.114 acres (4,960 sqft)
Owner	Individual Name on Record
Last Sale	$187,000 (Jun 2026)
Tax Bill	$2,974 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2021 Sale & Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33-29-22-24-0138`

Property Details

APN / Parcel Number

Primary APN	`33-29-22-24-0138`
Alternative APNs	`8582013` `8600253`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	820 sqft Living Area
1st Floor Area	820 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Game Room	Game Room

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8600253
Street Address	986 4TH ST E
City	SAINT PAUL
State	MN
Zip	55106-5209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKIDMORES ADDITION LOT 4 BLK 4
Legal Range	22
Legal Township	29
Legal Section	33
Legal Subdivision	SKIDMORES ADDITION
Legal Block	4
Legal Lot Number	4
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1012
Census Tract	34500

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	Individual Name on Record
Mailing Address	986 4TH ST E, SAINT PAUL, MN 55106-5209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Warranty Deed · Conventional Mortgage SUNRISE BANK
Jun 22, 2021	Warranty Deed, Transfer · Line of Credit CENTRAL MINNESOTA CU
Jun 22, 2021	Contract Sale, Transfer
Apr 16, 2018	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY
Mar 14, 2017	Deed of Trust, Mortgage · Conventional with PMI TCF NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Jun 22, 2021 · Amount on Record
Deed Document Number	20265109715
Record Updated	Oct 29, 2026

June 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 15, 2026
Property Address	986 4TH ST E, SAINT PAUL, MN 55106-5209
Document Number	0005109715
Instrument Date	Jun 3, 2026
Instrument	20265109715
Record Updated	Jun 23, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,215.80
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 4TH ST E, SAINT PAUL, MN 55106-5209

Mortgage

Document Number	0005109716,
Date	Jun 15, 2026
Instrument	20265109716

Lender

Name	SUNRISE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 22, 2021
Property Address	986 4TH ST E, SAINT PAUL, MN 55106-5209
Document Number	0A04891286
Instrument Date	Jun 18, 2021
Instrument	A04891286
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CLOSING TABLE, CLOSING HUB

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 4TH ST E, SAINT PAUL, MN 55106-5209
Investor	Possibly a Property Investor

Mortgage

Document Number	0A04891288
Date	Jun 22, 2021
Instrument	A04891288

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	RAMSEY MN
Recording Date	Jun 22, 2021
Property Address	986 4TH ST E, SAINT PAUL, MN 55106-5209
Document Number	0A04891290
Instrument Date	Jun 18, 2021
Instrument	A04891290
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 MENDELSSOHN AVE N # N202B, N202B, GOLDEN VALLEY, MN 55427-4357

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 4TH ST E, SAINT PAUL, MN 55106-5209

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 16, 2018
Property Address	986 4TH ST E, SAINT PAUL, MN 55106-5209
Document Number	0004705955
Instrument Date	Apr 11, 2018
Instrument	4705955
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	TITLE SMART INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 4TH ST E ST PAUL MN 551065209, ST PAUL, MN 55106-5209

Mortgage

Document Number	4705957
Date	Apr 16, 2018
Instrument	4705957

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2048

Mortgage

Document Number	4705958,
Date	Apr 16, 2018
Instrument	4705958

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CONCORD, CA 94520

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2048

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	986 4TH ST E, SAINT PAUL, MN 55106-5209
Document Number	0004652037
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	986 4TH ST E ST PAUL MN 551065209, ST PAUL, MN 55106-5209

Mortgage

Document Number	0004652037
Date	Mar 27, 2017
Instrument	4652037

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 26, 2032

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		$197,600 (-2.37%) Land $25,000 Building $172,600	$197,600 (-2.37%) Land $25,000 Building $172,600
2025	$2,974.00 (+4.13%) Homeowner's exemption	$202,400 (+7.49%) Land $25,000 Building $177,400	$202,400 (+7.49%) Land $25,000 Building $177,400
2023	$2,856.00 Homeowner's exemption	$188,300 Land $13,000 Building $175,300	$188,300 Land $13,000 Building $175,300

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 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.

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 661 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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