1817 Cottage Ave E, Saint Paul, MN 55119 Property Records

Ramsey County property record for 1817 Cottage Ave E, Saint Paul, MN 55119

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,075 sqft · built 1917
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on Record
Tax Bill	$2,766 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-29-22-32-0090`

Property Details

APN / Parcel Number

Primary APN	`23-29-22-32-0090`
Alternative APNs	`8425901` `8439479`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,075 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1965
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Wood
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	126 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	396 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	8439479
Street Address	1817 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55119-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAYDEN HEIGHTS LOT 45 BLK 10
Legal Range	22
Legal Township	29
Legal Section	23
Legal Subdivision	HAYDEN HEIGHTS
Legal Block	10
Legal Lot Number	45
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	4
Census Block	4003
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	Individual Name on Record
Mailing Address	1817 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2019	Deed of Trust, Mortgage · Line of Credit LAKE ELMO BK
Dec 27, 2016	Deed of Trust, Mortgage · Conventional Mortgage LAKE ELMO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1817 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
Document Number	0002657209
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1817 COTTAGE AVE E ST PAUL MN 551194503, ST PAUL, MN 55119-4503

Mortgage

Document Number	0002657209
Date	Jan 15, 2020
Instrument	2657209

Lender

Name	LAKE ELMO BK
Type	Bank
Address	LAKE ELMO, MN 55042-0857

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 14, 2030

Interest

Rate Type	Adjustable Rate

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	1817 COTTAGE AVE E, SAINT PAUL, MN 55119-4503
Document Number	0002577417
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1817 COTTAGE AVE E ST PAUL MN 551194503, ST PAUL, MN 55119-4503

Mortgage

Document Number	0002577417
Date	Jan 6, 2017
Instrument	2577417

Lender

Name	LAKE ELMO BK
Type	Bank
Address	LAKE ELMO, MN 55042

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2032

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		$176,100 (+1.03%) Land $35,000 Building $141,100	$176,100 (+1.03%) Land $35,000 Building $141,100
2025	$2,766.00 (-10.83%)
2023	$3,102.00 Homeowner's exemption	$174,300 Land $25,000 Building $149,300	$174,300 Land $25,000 Building $149,300

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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