997 James Ave, Saint Paul, MN 55102 Property Records

Ramsey County property record for 997 James Ave, Saint Paul, MN 55102

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,818 sqft · built 2020
Lot Size	0.117 acres (5,080 sqft)
Owner	2 Individual Names on File
Last Sale	$568,000 (Jun 2023)
Tax Bill	$10,364 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-28-23-23-0047`

Property Details

APN / Parcel Number

Primary APN	`11-28-23-23-0047`
Alternative APNs	`8298509` `115007`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,818 sqft Living Area
1st Floor Area	909 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,080 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	720 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	115007
Street Address	997 JAMES AVE
City	SAINT PAUL
State	MN
Zip	55102-3330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MICHEL & ROBERTSONS ADDITION LOT 22 BLK 8
Legal Range	23
Legal Township	28
Legal Section	11
Legal Subdivision	MICHEL & ROBERTSONS ADDITION
Legal Block	8
Legal Lot Number	22
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1012
Census Tract	36700

Owner

997 James Ave is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	997 JAMES AVE, SAINT PAUL, MN 55102-3330
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage RESULTS HOME MORTGAGE LLC
May 18, 2021	Warranty Deed, Transfer · Conventional Mortgage BREMER BANK NA
Aug 29, 2019	Warranty Deed, Transfer BURNET TITLE LLC
Apr 20, 2018	Warranty Deed, Subdivision Related Transfer GIBRALTAR TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Prior Sale	May 18, 2021 · Amount on File
Deed Document Number	20234993292
Prior Transfer Date	Aug 26, 2020
Prior Transfer Doc	0004847767
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 30, 2023
Property Address	997 JAMES AVE, SAINT PAUL, MN 55102-3330
Document Number	0A04993292
Instrument Date	Jun 16, 2023
Instrument	A04993292
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	NETWORK TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,874.40
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	997 JAMES AVE, SAINT PAUL, MN 55102-3330

Mortgage

Document Number	0A04993293
Date	Jun 30, 2023
Instrument	A04993293

Lender

Name	RESULTS HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	May 18, 2021
Property Address	997 JAMES AVE, SAINT PAUL, MN 55102-3330
Document Number	0A04884656
Instrument Date	Apr 13, 2021
Instrument	A04884656
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,628.14
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	997 JAMES AVE, SAINT PAUL, MN 55102-3330

Mortgage

Document Number	0A04884657
Date	May 18, 2021
Instrument	A04884657

Lender

Name	BREMER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 29, 2019
Property Address	997 JAMES AVE, SAINT PAUL, MN 55102-3330
Document Number	0004771394
Instrument Date	Aug 15, 2019
Instrument	4771394
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount on Record
Tax	$238.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	501 MOUNT CURVE BLVD ST PAUL MN 551161167, ST PAUL, MN 55116-1167

April 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Apr 20, 2018
Property Address	997 JAMES AVE, SAINT PAUL, MN 55102-3330
Document Number	0004706603
Instrument Date	Apr 20, 2018
Instrument	4706603
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 27, 2018
Title Company	GIBRALTAR TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$153.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	997 JAMES AVE ST PAUL MN 551023330, ST PAUL, MN 55102-3330

Tax Assessment & Valuation

The 2025 property tax bill for 997 James Ave was $10,364, up 15.1% 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		$605,900 (-0.46%) Land $40,000 Building $565,900	$605,900 (-0.46%) Land $40,000 Building $565,900
2025	$10,364.00 (+15.13%)	$608,700 Land $40,000 Building $568,700	$608,700 Land $40,000 Building $568,700
2024	$9,002.00 (+24.61%)
2023	$7,224.00	$572,800 (+21.51%) Land $40,000 Building $532,800	$572,800 (+21.51%) Land $40,000 Building $532,800
2022		$471,400 Land $40,000 Building $431,400	$471,400 Land $40,000 Building $431,400

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

Flood

FEMA maps place 997 James 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.

Wildfire

Wildfire risk around 997 James Ave is low, with less than a 0.01% annual chance of 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 573 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, T-Mobile, Verizon.

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