Ramsey County property record for 986 Beech St, Saint Paul, MN 55106
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,689 sqft · built 1900 |
| Lot Size | 0.114 acres (4,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Aug 2020) |
| Tax Bill | $4,366 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-29-22-21-0141 |
| Primary APN | 33-29-22-21-0141 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,689 sqft Living Area |
| 1st Floor Area | 990 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Raised |
| Lot Area | 4,960 sqft (0.114 acres) |
| Lot Dimensions | 124 ft deep x 40 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 573901 |
|---|---|
| Street Address | 986 BEECH ST |
| City | SAINT PAUL |
| State | MN |
| Zip | 55106-4502 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | A GOTZIANS SUB B107 LYMAN&DAYT EX ALLEY LOT 19 BLK 107 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 33 |
| Legal Subdivision | A GOTZIANS SUB B107 LYMAN&DAYT |
| Legal Block | 107 |
| Legal Lot Number | 19 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 31701 |
986 Beech St, a duplex, is owned and occupied by an individual who bought it in August 2020.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 986 BEECH ST, SAINT PAUL, MN 55106-4502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU |
| Dec 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AXIA FINANCIAL LLC |
| Aug 14, 2020 | Warranty Deed, Transfer · Conventional with PMI STEARNS LNDG LLC |
| Dec 31, 2018 | Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG & EQUITY CNSLTS I |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2020 · Amount on File |
| Deed Sale | Aug 14, 2020 · Amount on File |
| Prior Sale | Dec 31, 2018 · Amount on File |
| Deed Document Number | 20204827336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 986 BEECH ST, SAINT PAUL, MN 55106-4502 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A04935489 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | A04935489 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 5, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 986 BEECH ST, SAINT PAUL, MN 55106-4502 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0A04924397 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | A04924397 |
| Name | AXIA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | BELLEVUE, WA 98004 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Aug 14, 2020 |
| Property Address | 986 BEECH ST, SAINT PAUL, MN 55106-4502 |
| Document Number | 0004827336 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 4827336 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $714.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 986 BEECH ST ST PAUL MN 551064502, ST PAUL, MN 55106-4502 |
| Document Number | 4827337 |
|---|---|
| Date | Aug 14, 2020 |
| Instrument | 4827337 |
| Name | STEARNS LNDG LLC |
|---|---|
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Dec 31, 2018 |
| Property Address | 986 BEECH ST, SAINT PAUL, MN 55106-4502 |
| Document Number | 0004740972 |
| Instrument Date | Dec 8, 2018 |
| Instrument | 4740972 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2019 |
| Title Company | BURNET TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $561.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 986 BEECH ST ST PAUL MN 551064502, ST PAUL, MN 55106-4502 |
| Document Number | 4740973 |
|---|---|
| Date | Dec 31, 2018 |
| Instrument | 4740973 |
| Name | AMERICAN MTG & EQUITY CNSLTS I |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMINGTON, MN 55435 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 30, 2048 |
The 2025 property tax bill for 986 Beech St was $4,366 with a homeowner's exemption.
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 | $224,500 Land $25,000 Building $199,500 | $224,500 Land $25,000 Building $199,500 | |
| 2025 | $4,366.00 | ||
| 2023 | $3,824.00 Homeowner's exemption | $219,600 Land $13,000 Building $206,600 | $219,600 Land $13,000 Building $206,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 986 Beech St 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 986 Beech St 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 695 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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