995 Ryde St, Saint Paul, MN 55103 Property Records

Ramsey County property record for 995 Ryde St, Saint Paul, MN 55103

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,068 sqft · built 1926
Lot Size	0.174 acres (7,575 sqft)
Owner	2 Individual Names on File
Last Sale	$294,000 (Apr 2024)
Tax Bill	$5,238 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-24-0175`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-24-0175`
Alternative APNs	`8326763` `368405`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,068 sqft Living Area
1st Floor Area	1,068 sqft
Basement Area	450 sqft
Finished Basement	450 sqft
Family Room	Family Room

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	7,575 sqft (0.174 acres)
Lot Dimensions	101 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	320 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	368405
Street Address	995 RYDE ST
City	SAINT PAUL
State	MN
Zip	55103-1366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DENSLOWS SUBDIVISION OF,LOTS 5 E 1/2 OF VAC ALLEY ADJ AND FOL LOTS 24 25 AND LOT 26 BLK 54
Legal Range	23
Legal Township	29
Legal Section	26
Legal Subdivision	DENSLOWS SUBDIVISION OF,LOTS 5
Legal Block	54
Legal Lot Number	5,24-
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3018
Census Tract	31200

Owner

995 Ryde St is owned and occupied by two individuals who bought it in April 2024.

Source: Ramsey County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	995 RYDE ST, SAINT PAUL, MN 55103-1366
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jul 2, 2018	Warranty Deed, Transfer · Conventional with PMI ALERUS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2024 · Amount on File
Deed Sale	Apr 4, 2024 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Document Number	20245021178
Prior Transfer Date	Jan 22, 2007
Prior Transfer Doc	0000358468
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 4, 2024
Property Address	995 RYDE ST, SAINT PAUL, MN 55103-1366
Document Number	0A05021178
Instrument Date	Mar 28, 2024
Instrument	A05021178
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$970.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	995 RYDE ST, SAINT PAUL, MN 55103-1366

Mortgage

Document Number	0A05021179
Date	Apr 4, 2024
Instrument	A05021179

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 2, 2018
Property Address	995 RYDE ST, SAINT PAUL, MN 55103-1366
Document Number	0004716080
Instrument Date	Apr 13, 2018
Instrument	4716080
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	WATERMARK TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.88
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 RYDE ST ST PAUL MN 551031366, ST PAUL, MN 55103-1366

Mortgage

Document Number	4716081
Date	Jul 2, 2018
Instrument	4716081

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 995 Ryde St was $5,238 with a homeowner's exemption, up 13.3% from the year before.

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		$318,700 (+4.35%) Land $53,300 Building $265,400	$318,700 (+4.35%) Land $53,300 Building $265,400
2025	$5,238.00 (+13.28%) Homeowner's exemption	$305,400 Land $53,300 Building $252,100	$305,400 Land $53,300 Building $252,100
2024	$4,624.00 (+8.19%)
2023	$4,274.00 Homeowner's exemption	$304,700 Land $53,300 Building $251,400	$304,700 Land $53,300 Building $251,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 995 Ryde 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.

Wildfire

The area around 995 Ryde 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.

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 627 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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