987 Topping St, Saint Paul, MN 55103 Property Records

Ramsey County property record for 987 Topping St, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,640 sqft · built 2000
Lot Size	0.108 acres (4,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Dec 2004)
Tax Bill	$5,756 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-32-0145`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-32-0145`
Alternative APNs	`8085070` `104876`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	890 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Family Room	Family Room

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2002
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Lot Area	4,712 sqft (0.108 acres)
Lot Dimensions	124 ft deep x 38 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	104876
Street Address	987 TOPPING ST
City	SAINT PAUL
State	MN
Zip	55103-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMO PARK ADDITION EX W 12.5 FT OF LOT 43 & ALL OF LOT 44 BLK 3
Legal Range	23
Legal Township	29
Legal Section	26
Legal Subdivision	COMO PARK ADDITION
Legal Block	3
Legal Lot Number	43,44
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2009
Census Tract	31200

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	2 Individual Names on Record
Mailing Address	2496 WESTVIEW TER, SAINT PAUL, MN 55120-2600
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage F&M CMNTY BK
Feb 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2004 · Amount on Record
Deed Sale	Dec 3, 2004 · Amount on Record
Prior Sale	Dec 5, 2000 · Amount on Record
Deed Document Number	2004331732
Transfer Doc	0000331732
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	987 TOPPING ST, SAINT PAUL, MN 55103-1253
Document Number	0004835321
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	DCA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2496 WESTVIEW TER MENDOTA HEIGHTS MN 551202600, MENDOTA HEIGHTS, MN 55120-2600

Mortgage

Document Number	0004835321
Date	Sep 28, 2020
Instrument	4835321

Lender

Name	F&M CMNTY BK
Type	Bank
Address	PRESTON, MN 55965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	987 TOPPING ST, SAINT PAUL, MN 55103-1253
Document Number	0004696978
Instrument Date	Feb 1, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	TITLE ONE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	987 TOPPING ST ST PAUL MN 551031253, ST PAUL, MN 55103-1253

Mortgage

Document Number	0004696978
Date	Feb 2, 2018
Instrument	4696978

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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		$343,000 (-2.97%) Land $34,400 Building $308,600	$343,000 (-2.97%) Land $34,400 Building $308,600
2025	$5,756.00 (+14.39%)	$353,500 (+12.12%) Land $34,400 Building $319,100	$353,500 (+12.12%) Land $34,400 Building $319,100
2024	$5,032.00 (+0.44%)
2023	$5,010.00	$315,300 Land $34,400 Building $280,900	$315,300 Land $34,400 Building $280,900

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	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 559 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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