Ramsey County Recorder/Registrar of Titles
The Recorder's Office provides real-estate document recording and retrieval. It can help locate a filed deed, mortgage, or other recorded document; the title company checks the records needed for your sale.
St. Paul, MN · How it works
How Selling Your St. Paul House to Us Works
USA Home Buyers buys houses as-is in St. Paul and Ramsey County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Start with the address and what you know about the house. We can talk through the open questions as we go; you do not need to have every property detail settled first.
Call 888-274-5006 to talk through the property, or use the form to request a cash offer.
Tell us about the houseWe'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address, condition, occupancy, and timing so we can start with the property.
From first conversation to settlement
The St. Paul sale, step by step
Step 1: Talk through the property
We ask about the address, condition, occupancy, access, ownership, and timing. Tell us what you know about repairs, a payoff, lien, tax account, estate, or notice. You can start the conversation before every property question is settled.
Step 2: Review a written offer and terms
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Read the price, responsibilities, possession, timing, costs, and property-specific conditions before deciding whether to proceed.
Step 3: Work through title and payoff details
The title company checks the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. Share any statements, notices, or estate papers you have so the title and payoff questions can be worked through before closing.
Step 4: Review the settlement sheet
The settlement sheet shows how the sale money breaks down. We always review the settlement sheet with the seller and walk through how the money breaks down so there is no confusion. We try to do that the day before closing so settlement is smooth; the title company confirms the final numbers.
Step 5: Close through the title company
If you choose to proceed, the title company coordinates signing and settlement under the written terms. You're going to get a fair price and not have to do anything. Just show up at settlement.
Cash Offer or EZ Sale: compare the written numbers
We have two ways to buy. A Cash Offer is built for speed, condition, and tough situations — heavy repairs, tight timelines, difficult circumstances. EZ Sale is often the better fit when the house doesn't need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you.
Swipe across the table to compare all four selling options.
| Factor | List with a realtor | FSBO | Cash Offer | EZ Sale |
|---|---|---|---|---|
| Timeline | Market-dependent | Market-dependent | 30 days or less | 60 days or less |
| Price | Highest, if it sells | Varies | Lower price | Higher price than the Cash Offer |
| Repairs | Repairs may be needed before listing or after inspection | The seller handles repair decisions | No repairs | No repairs |
| Commissions | Agent commissions apply under the listing agreement | No listing-agent commission; the seller handles the sale | No commissions | No commissions |
| Closing costs | Seller costs depend on the contract and settlement statement | Seller costs depend on the contract and settlement statement | No closing costs | No closing costs |
| Showings | The seller prepares for and coordinates showings | The seller markets the property and coordinates showings | None | None |
| Who buys | Retail buyer | Retail buyer | USA Home Buyers buys directly | Goes to one of our partners |
| Certainty | Depends on the buyer, inspections, financing, and contract | Depends on finding and qualifying a buyer | Written offer and written terms before you commit; title-company closing. | Written offer and written terms before you commit; title-company closing. |
| Net proceeds | Compare the expected sale price after commissions, repairs, costs, and waiting | Compare the expected sale price after seller-managed costs and work | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. |
Compare what you would keep after costs with the St. Paul calculator →
Questions about the two options? Call 888-274-5006.
Local records and county details
St. Paul property questions in Ramsey County
For a house inside the incorporated City of Saint Paul, the county is Ramsey County. Ramsey County identifies Saint Paul as the county seat and Minnesota's capital. Ramsey County, About the County ↗
Settlement figures
Review the settlement sheet and Minnesota deed tax
The settlement sheet lists the sale price, mortgage payoff, liens, taxes, closing costs, and the amount scheduled for disbursement. Ask the title company about any line you do not recognize; it confirms the final numbers.
For an ordinary taxable transfer with net consideration over $3,000, Minnesota deed tax is 0.33% of that amount. Ramsey County adds a 0.01% Environmental Response Fund tax, for a combined rate of 0.34%. That is $340 on $100,000 of taxable net consideration. Exemptions and transfers with little or no consideration can change the tax, and the closing professional confirms the property's county and taxable amount. State law generally makes the person transferring the property responsible for deed tax.
When you sell to us, we pay the closing costs.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts shown in the settlement figures.
Official details: Minnesota Department of Revenue deed-tax rate ↗; Minnesota Statutes §287.21 ↗; §287.22 exemptions ↗; §287.24 grantor liability ↗; §383A.80 Ramsey County tax ↗.
When the process gets difficult
We stay with the process
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
What sellers say about USA Home Buyers
Questions and contact
St. Paul seller questions and next steps
For a house in St. Paul or Ramsey County, call 888-274-5006 or send the property details using the form above. Start with what you know; questions are welcome before every property detail is settled.
Questions about how the St. Paul sale works
Can I start before every property question is settled?
Yes. Start with what you know about the address, condition, occupancy, access, and timing. You can tell us which details are still open during the first conversation.
What happens to the mortgage payoff, liens, and taxes?
The title company checks the property records and applicable payoffs, liens, and taxes, then shows the figures on the settlement sheet. Mortgage balances, liens, back taxes, and your share of current property taxes are separate from closing costs.
How do I compare the Cash Offer and EZ Sale?
The comparison above lays out who buys, timing, price level, and costs for each option. Read the written terms for the property and compare the numbers before choosing.
What closing costs do you pay in Minnesota?
When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts.