1595 Cottage Ave E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 1595 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,158 sqft · built 1958
Lot Size	0.169 acres (7,380 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Dec 2025)
Tax Bill	$4,316 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-29-22-42-0095`

Property Details

APN / Parcel Number

Primary APN	`22-29-22-42-0095`
Alternative APNs	`8113214` `135440`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,158 sqft Living Area
1st Floor Area	1,158 sqft
Basement Area	720 sqft
Finished Basement	720 sqft
Family Room	Family Room

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	7,380 sqft (0.169 acres)
Lot Dimensions	123 ft deep x 60 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	135440
Street Address	1595 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55106-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONG & SHERWOODS SUB OF B2 DAW EX W 2O FT LOT 29 AND ALL OF LOT 30 BLK 2
Legal Range	22
Legal Township	29
Legal Section	22
Legal Subdivision	LONG & SHERWOODS SUB OF B2 DAW
Legal Block	2
Legal Lot Number	29,30
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2004
Census Tract	30704

Owner

1595 Cottage Ave E is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1595 COTTAGE AVE E, SAINT PAUL, MN 55106-2203
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
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 4, 2023	Intrafamily Transfer, Transfer
Nov 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2025 · Amount on File
Deed Sale	Dec 17, 2025 · Amount on File
Prior Sale	Oct 20, 2022 · Amount on File
Deed Document Number	20252807556
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1595 COTTAGE AVE E, SAINT PAUL, MN 55106-2203
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 WOODBRIDGE ST, SAINT PAUL, MN 55117-4443

Mortgage

Document Number	0T02807557
Date	Dec 17, 2025
Instrument	T02807557

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAMSEY MN
Recording Date	Jan 4, 2023
Property Address	1595 COTTAGE AVE E, SAINT PAUL, MN 55106-2203
Document Number	0T02747511
Instrument Date	Dec 15, 2022
Instrument	T02747511
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1595 COTTAGE AVE E, SAINT PAUL, MN 55106-2203

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1595 COTTAGE AVE E, SAINT PAUL, MN 55106-2203
Transaction Type	Mortgage
Record Updated	Nov 11, 2022
Title Company	TRADEMARK TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02744382
Date	Nov 7, 2022
Instrument	T02744382

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1595 Cottage Ave E was $4,316.

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		$288,100 Land $35,000 Building $253,100	$288,100 Land $35,000 Building $253,100
2025	$4,316.00
2023	$3,926.00 Homeowner's exemption	$268,300 Land $25,000 Building $243,300	$268,300 Land $25,000 Building $243,300

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

Flood

FEMA maps place 1595 Cottage 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 1595 Cottage 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 736 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, T-Mobile.

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