1810 Cottage Ave E, Saint Paul, MN 55119 Property Records

Ramsey County property record for 1810 Cottage Ave E, Saint Paul, MN 55119

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,142 sqft · built 1926
Lot Size	0.116 acres (5,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Aug 2019)
Tax Bill	$4,006 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-22-32-0112`

Property Details

APN / Parcel Number

Primary APN	`23-29-22-32-0112`
Alternative APNs	`8470044` `170666`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	126 ft deep x 40 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	170666
Street Address	1810 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55119-4504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAYDEN HEIGHTS LOT 27 BLK 11
Legal Range	22
Legal Township	29
Legal Section	23
Legal Subdivision	HAYDEN HEIGHTS
Legal Block	11
Legal Lot Number	27
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4006
Census Tract	30702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1810 COTTAGE AVE E, SAINT PAUL, MN 55119-4504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 24, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 21, 2019	Warranty Deed, Transfer · FHA Mortgage GATEWAY MTG GRP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on Record
Deed Sale	Aug 21, 2019 · Amount on Record
Prior Sale	Jun 6, 2016 · Amount on Record
Deed Document Number	20192645613
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	Jun 3, 2026
Property Address	1810 COTTAGE AVE E, SAINT PAUL, MN 55119-4504
Document Number	0T02817017
Instrument Date	May 22, 2026
Instrument	20262817017
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 COTTAGE AVE E, SAINT PAUL, MN 55119-4504
Investor	Possibly a Property Investor

Mortgage

Document Number	0002817017,
Date	Jun 3, 2026
Instrument	20262817017

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	278 Months
Due	Aug 1, 2049

Interest

Rate	6.23%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1810 COTTAGE AVE E, SAINT PAUL, MN 55119-4504
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 COTTAGE AVE E, SAINT PAUL, MN 55119-4504

Mortgage

Document Number	0A04995743
Date	Jul 24, 2023
Instrument	A04995743

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Aug 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 21, 2019
Property Address	1810 COTTAGE AVE E, SAINT PAUL, MN 55119-4504
Document Number	0002645613
Instrument Date	Jul 12, 2019
Instrument	2645613
Transaction Type	Transfer
Record Updated	Sep 5, 2019
Title Company	TITLE SMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
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	1810 COTTAGE AVE E ST PAUL MN 551194504, ST PAUL, MN 55119-4504

Mortgage

Document Number	2645614
Date	Aug 21, 2019
Instrument	2645614

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

Tax Assessment & Valuation

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		$223,000 (-4.46%) Land $35,000 Building $188,000	$223,000 (-4.46%) Land $35,000 Building $188,000
2025	$4,006.00 (-6.36%) Homeowner's exemption	$233,400 (+5.52%) Land $30,000 Building $203,400	$233,400 (+5.52%) Land $30,000 Building $203,400
2023	$4,278.00 Homeowner's exemption	$221,200 Land $25,000 Building $196,200	$221,200 Land $25,000 Building $196,200

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

Flood

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

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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