2043 Cottage Ave E, Saint Paul, MN 55119 Property Records

Ramsey County property record for 2043 Cottage Ave E, Saint Paul, MN 55119

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 992 sqft · built 1926
Lot Size	0.179 acres (7,812 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Aug 2021)
Tax Bill	$4,604 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-29-22-42-0065`

Property Details

APN / Parcel Number

Primary APN	`23-29-22-42-0065`
Alternative APNs	`8086888` `106844`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Family Room	Family Room

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Stucco
Roof Type	Shed Roof
Lot Area	7,812 sqft (0.179 acres)
Lot Dimensions	126 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Shed	1 Shed
Shed Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	106844
Street Address	2043 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55119-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEHSIKOMER GARDEN LOTS E 1/2 OF PART S OF ALLEY OF LOT 12
Legal Range	22
Legal Township	29
Legal Section	23
Legal Subdivision	MEHSIKOMER GARDEN LOTS
Legal Lot Number	E,12
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1007
Census Tract	30702

Owner

2043 Cottage Ave E is owned and occupied by an individual who bought it in August 2021.

Source: Ramsey County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	2043 COTTAGE AVE E, SAINT PAUL, MN 55119-3215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 10, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGES UNLIMITED INC
Feb 12, 2019	Warranty Deed, Transfer · Conventional with PMI STEARNS LNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2021 · Amount on File
Deed Sale	Aug 10, 2021 · Amount on File
Prior Sale	Feb 12, 2019 · Amount on File
Deed Document Number	20212708665
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 10, 2021
Property Address	2043 COTTAGE AVE E, SAINT PAUL, MN 55119-3215
Document Number	0T02708665
Instrument Date	Jul 13, 2021
Instrument	T02708665
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	LEGACY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2043 COTTAGE AVE E, SAINT PAUL, MN 55119-3215

Mortgage

Document Number	0T02708666
Date	Aug 10, 2021
Instrument	T02708666

Lender

Name	MORTGAGES UNLIMITED INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Mortgage

Document Number	0T02708667
Date	Aug 10, 2021
Instrument	T02708667

Lender

Name	MORTGAGES UNLIMITED INC
Type	Mortgage Company
Address	OSSEO, MN 55369

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 12, 2019
Property Address	2043 COTTAGE AVE E, SAINT PAUL, MN 55119-3215
Document Number	0002633495
Instrument Date	Feb 8, 2019
Instrument	2633495
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 COTTAGE AVE E ST PAUL MN 551193215, ST PAUL, MN 55119-3215

Mortgage

Document Number	2633496
Date	Feb 12, 2019
Instrument	2633496

Lender

Name	STEARNS LNDG LLC
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2049

Mortgage

Document Number	2633497,
Date	Feb 12, 2019
Instrument	2633497

Lender

Name	STEARNS LNDG
Address	EDINA, MN 55435

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2043 Cottage Ave E was $4,604.

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		$247,300 Land $35,000 Building $212,300	$247,300 Land $35,000 Building $212,300
2025	$4,604.00
2023	$3,938.00	$226,800 Land $25,000 Building $201,800	$226,800 Land $25,000 Building $201,800

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

Flood

FEMA maps place 2043 Cottage Ave E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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

The area around 2043 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 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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