345 Cook Ave E, Saint Paul, MN 55130 Property Records

Ramsey County property record for 345 Cook Ave E, Saint Paul, MN 55130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,019 sqft · built 1908
Lot Size	0.11 acres (4,797 sqft)
Owner	Individual Name on File
Last Sale	$214,000 (Jul 2026)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-29-22-23-0039`

Property Details

APN / Parcel Number

Primary APN	`29-29-22-23-0039`
Alternative APNs	`8352925` `126033`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,019 sqft Living Area
1st Floor Area	590 sqft
Family Room	Family Room

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	4,797 sqft (0.11 acres)
Lot Dimensions	123 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	342 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	126033
Street Address	345 COOK AVE E
City	SAINT PAUL
State	MN
Zip	55130-3825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEWIS AND MABONS ADDITION LOT 17
Legal Range	22
Legal Township	29
Legal Section	29
Legal Subdivision	LEWIS AND MABONS ADDITION
Legal Lot Number	17
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3017
Census Tract	30900

Owner

345 Cook Ave E is owned and occupied by an individual who bought it in July 2026.

Source: Ramsey County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	345 COOK AVE E, SAINT PAUL, MN 55130-3825
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
Jul 27, 2026	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jun 25, 2026	Deed of Trust, Mortgage · Construction Mortgage LENDINGONE
Jun 5, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 10, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	Jun 5, 2026 · Amount on File
Deed Document Number	20265114693
Prior Transfer Date	Apr 2, 2004
Prior Transfer Doc	0000323423
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 27, 2026
Property Address	345 COOK AVE E, SAINT PAUL, MN 55130-3825
Document Number	0005114693
Instrument Date	Jul 21, 2026
Instrument	20265114693
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	BURNET TITLE LLC, BURNET TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,487.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 COOK AVE E, SAINT PAUL, MN 55130-3825

Mortgage

Document Number	0005114694,
Date	Jul 27, 2026
Instrument	20265114694

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0005114695,
Date	Jul 27, 2026
Instrument	20265114695

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	Jun 25, 2026
Property Address	345 COOK AVE E, SAINT PAUL, MN 55130-3825
Document Number	0005111185
Instrument Date	Jun 24, 2026
Instrument	20265111185
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	345 COOK AVE E, SAINT PAUL, MN 55130-3825

Mortgage

Document Number	0005111185,
Date	Jun 25, 2026
Instrument	20265111185

Lender

Name	LENDINGONE

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	Apr 1, 2027

Interest

Rate Type	Balloon
Rate	6.53%
Initial Type	Balloon
Max Rate	-1%

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 5, 2026
Property Address	345 COOK AVE E, SAINT PAUL, MN 55130-3825
Document Number	0A05108638
Instrument Date	Mar 19, 2026
Instrument	20265108638
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$45,672.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	4648 166TH AVE NW, ANDOVER, MN 55304-3928

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Aug 10, 2020
Property Address	345 COOK AVE E, SAINT PAUL, MN 55130-3825
Document Number	0004826472
Instrument Date	Aug 7, 2020
Instrument	4826472
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.00
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	345 COOK AVE E ST PAUL MN 551303825, ST PAUL, MN 55130-3825

Mortgage

Document Number	4826473
Date	Aug 10, 2020
Instrument	4826473

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 345 Cook Ave E was $3,970, up 8.5% from the year before.

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		$230,500 (-0.6%) Land $25,000 Building $205,500	$230,500 (-0.6%) Land $25,000 Building $205,500
2025	$3,970.00 (+8.53%) Homeowner's exemption	$231,900 Land $25,000 Building $206,900	$231,900 Land $25,000 Building $206,900
2024	$3,658.00 (-0.49%)
2023	$3,676.00 Homeowner's exemption	$215,100 Land $20,000 Building $195,100	$215,100 Land $20,000 Building $195,100

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

Flood

FEMA maps place 345 Cook 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 345 Cook 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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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