1805 Cottage Ave E, Saint Paul, MN 55119 Property Records

Ramsey County property record for 1805 Cottage Ave E, Saint Paul, MN 55119

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,450 sqft · built 1922
Lot Size	0.231 acres (10,080 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jun 2022)
Tax Bill	$3,704 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-22-32-0088`

Property Details

APN / Parcel Number

Primary APN	`23-29-22-32-0088`
Alternative APNs	`8187583` `8193627`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	912 sqft
Basement Area	250 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1972
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Wood
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	126 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8193627
Street Address	1805 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55119-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAYDEN HEIGHTS LOTS 42 & LOT 43 BLK 10
Legal Range	22
Legal Township	29
Legal Section	23
Legal Subdivision	HAYDEN HEIGHTS
Legal Block	10
Legal Lot Number	42,43
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4003
Census Tract	30702

Owner

1805 Cottage Ave E is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1805 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
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
Jun 13, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Aug 20, 2020	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG
Jun 22, 2018	Warranty Deed, Transfer · Conventional with PMI PREMIER BK
May 29, 2018	Quit Claim Deed, Transfer WEST TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Prior Sale	May 27, 2022 · Amount on File
Deed Document Number	20222733984
Prior Transfer Date	May 10, 2018
Prior Transfer Doc	0T02614801
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 13, 2022
Property Address	1805 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
Document Number	0T02733984
Instrument Date	May 27, 2022
Instrument	T02733984
Transaction Type	Transfer
Record Updated	Dec 28, 2022
Title Company	DCA TITLE

Transaction

Amount	Amount on Record
Tax	$759.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 COTTAGE AVE E, SAINT PAUL, MN 55119-4503

Mortgage

Document Number	0T02733985
Date	Jun 13, 2022
Instrument	T02733985

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0T02733986
Date	Jun 13, 2022
Instrument	T02733986

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 20, 2020
Property Address	1805 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
Document Number	0002672909
Instrument Date	Jul 29, 2020
Instrument	2672909
Transaction Type	Transfer
Record Updated	Sep 2, 2020
Title Company	TITLESMART

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$704.00
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	1805 COTTAGE AVE E ST PAUL MN 551194503, ST PAUL, MN 55119-4503

Mortgage

Document Number	2672910
Date	Aug 20, 2020
Instrument	2672910

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 22, 2018
Property Address	1805 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
Document Number	0002616927
Instrument Date	Jun 21, 2018
Instrument	2616927
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	TITLE RECORDING SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.60
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7161 55TH ST N OAKDALE MN 551281706, OAKDALE, MN 55128-1706

Mortgage

Document Number	2618015
Date	Jun 22, 2018
Instrument	2618015

Lender

Name	PREMIER BK
Type	Bank
Address	WHITE BEAR LAKE, MN 55110

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Jun 21, 2023

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	May 29, 2018
Property Address	1805 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
Document Number	0002614801
Instrument Date	May 10, 2018
Instrument	2614801
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	WEST TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$6.80
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3033 EXCELSIOR BLVD #100 MINNEAPOLIS MN 554164673, 100, MINNEAPOLIS, MN 55416-4673

Tax Assessment & Valuation

The 2025 property tax bill for 1805 Cottage Ave E was $3,704.

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		$202,300 Land $35,000 Building $167,300	$202,300 Land $35,000 Building $167,300
2025	$3,704.00
2023	$3,780.00	$179,600 Land $25,000 Building $154,600	$179,600 Land $25,000 Building $154,600

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

Flood

FEMA maps place 1805 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 1805 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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