1089 Cook Ave E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 1089 Cook Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 781 sqft · built 1913
Lot Size	0.118 acres (5,125 sqft)
Owner	Individual Name on File
Last Sale	$154,400 (Sep 2022)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28-29-22-13-0018`

Property Details

APN / Parcel Number

Primary APN	`28-29-22-13-0018`
Alternative APNs	`8576382` `198456`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	781 sqft Living Area
1st Floor Area	691 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	5,125 sqft (0.118 acres)
Lot Dimensions	125 ft deep x 41 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	198456
Street Address	1089 COOK AVE E
City	SAINT PAUL
State	MN
Zip	55106-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOVERNOR JOHNSON ADDITION LOT 22 BLK 1
Legal Range	22
Legal Township	29
Legal Section	28
Legal Subdivision	GOVERNOR JOHNSON ADDITION
Legal Block	1
Legal Lot Number	22
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1009
Census Tract	31600

Owner

1089 Cook Ave E is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1089 COOK AVE E, SAINT PAUL, MN 55106-3322
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC
Feb 27, 2019	Deed of Trust, Mortgage · Line of Credit KEY CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on File
Deed Sale	Sep 22, 2022 · Amount on File
Prior Sale	Sep 20, 2022 · Amount on File
Deed Document Number	20222741470
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 22, 2022
Property Address	1089 COOK AVE E, SAINT PAUL, MN 55106-3322
Document Number	0T02741470
Instrument Date	Sep 20, 2022
Instrument	T02741470
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	DCA TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.52
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 COOK AVE E, SAINT PAUL, MN 55106-3322

Mortgage

Document Number	0T02741471
Date	Sep 22, 2022
Instrument	T02741471

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	0T02741472
Date	Sep 22, 2022
Instrument	T02741472

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company
Address	SAINT PAUL, MN 55126

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1089 COOK AVE E, SAINT PAUL, MN 55106-3322
Document Number	0002634319
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6428 CAHILL AVE INVER GROVE HEIGHTS MN 550761533, INVER GROVE HEIGHTS, MN 55076-1533

Mortgage

Document Number	0002634319
Date	Feb 27, 2019
Instrument	2634319

Lender

Name	KEY CMNTY BK
Type	Bank
Address	INVER GROVE HEIGHTS, MN 55076

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1089 Cook Ave E was $2,724 with a homeowner's exemption.

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		$187,400 Land $25,000 Building $162,400	$187,400 Land $25,000 Building $162,400
2025	$2,724.00
2023	$2,396.00 Homeowner's exemption	$150,700 Land $20,000 Building $130,700	$150,700 Land $20,000 Building $130,700

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

Flood

FEMA maps place 1089 Cook Ave E 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 1089 Cook Ave E 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 601 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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