2014 Cottage Ave E, Saint Paul, MN 55119 Property Records

Ramsey County property record for 2014 Cottage Ave E, Saint Paul, MN 55119

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1922
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on Record
Last Sale	$251,591 (Mar 2026)
Tax Bill	$3,432 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-22-31-0023`

Property Details

APN / Parcel Number

Primary APN	`23-29-22-31-0023`
Alternative APNs	`8427966` `478822`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	760 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Game Room	Game Room

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	126 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	478822
Street Address	2014 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55119-3214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAYDEN HEIGHTS LOT 2 BLK 13
Legal Range	22
Legal Township	29
Legal Section	23
Legal Subdivision	HAYDEN HEIGHTS
Legal Block	13
Legal Lot Number	2
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1016
Census Tract	30702

Owner

Source: Ramsey County records, as of April 3, 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	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Nov 15, 2022	Warranty Deed, Transfer · FHA Mortgage AXIA FINANCIAL LLC
May 17, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Jul 18, 2018	Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Nov 15, 2022 · Amount on Record
Deed Document Number	20262811875
Prior Transfer Date	Apr 1, 2022
Prior Transfer Doc	0004947294
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Mar 10, 2026
Property Address	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214
Document Number	0T02811875
Instrument Date	Mar 2, 2026
Instrument	T02811875
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	TITLESMART INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$830.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214

Mortgage

Document Number	0T02811876
Date	Mar 10, 2026
Instrument	T02811876

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	0T02812800
Date	Mar 26, 2026
Instrument	T02812800

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Nov 15, 2022
Property Address	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214
Document Number	0T02744979
Instrument Date	Oct 13, 2022
Instrument	T02744979
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214

Mortgage

Document Number	0T02744980
Date	Nov 15, 2022
Instrument	T02744980

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAMSEY MN
Recording Date	May 17, 2022
Property Address	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214
Document Number	0A04947294
Instrument Date	Apr 1, 2022
Instrument	A04947294
Transaction Type	Transfer
Record Updated	Mar 18, 2026

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
Address	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214
Investor	Possibly a Property Investor

Mortgage

Document Number	0A04947295
Date	May 17, 2022
Instrument	A04947295

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 18, 2018
Property Address	2014 COTTAGE AVE E, SAINT PAUL, MN 55119-3214
Document Number	0002619032
Instrument Date	Jun 22, 2018
Instrument	2619032
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	EDINA REALTY TITLE

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
Address	2014 COTTAGE AVE E ST PAUL MN 551193214, ST PAUL, MN 55119-3214
Investor	Possibly a Property Investor

Mortgage

Document Number	2619033
Date	Jul 18, 2018
Instrument	2619033

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of July 28, 2025

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
2025	$3,432.00 (+5.41%) Homeowner's exemption	$208,800 (-2.2%) Land $30,000 Building $178,800	$208,800 (-2.2%) Land $30,000 Building $178,800
2024	$3,256.00 (-2.63%)
2023	$3,344.00 Homeowner's exemption	$213,500 Land $25,000 Building $188,500	$213,500 Land $25,000 Building $188,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 816 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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