Ramsey County property record for 654 Cottage Ave E, Saint Paul, MN 55106
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 900 sqft · built 1928 |
| Lot Size | 0.121 acres (5,265 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $109,900 (May 2001) |
| Tax Bill | $3,306 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-29-22-42-0190 |
| Primary APN | 20-29-22-42-0190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Lot Area | 5,265 sqft (0.121 acres) |
| Lot Dimensions | 135 ft deep x 39 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 158118 |
|---|---|
| Street Address | 654 COTTAGE AVE E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55106-1707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DENNY HILL ADDITION SUBJ TO ALLEY LOT 32 BLK 2 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 20 |
| Legal Subdivision | DENNY HILL ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 32 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 30602 |
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 | 654 COTTAGE AVE E, SAINT PAUL, MN 55106-1707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2001 · Amount on Record |
| Deed Sale | May 8, 2001 · Amount on Record |
| Deed Document Number | 2001288751 |
| Last Transfer Date | Jul 12, 2024 |
| Transfer Doc | 0005034871 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 654 COTTAGE AVE E, SAINT PAUL, MN 55106-1707 |
| Document Number | 0004685554 |
| Instrument Date | Nov 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2017 |
| Name | Verified Name |
|---|---|
| Address | 654 COTTAGE AVE E ST PAUL MN 551061707, ST PAUL, MN 55106-1707 |
| Document Number | 0004685554 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 4685554 |
| Name | TOPLINE FCU |
|---|---|
| Type | Credit Union |
| Address | MAPLE GROVE, MN 55369 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 8, 2047 |
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $231,300 (+8.29%) Land $35,000 Building $196,300 | $231,300 (+8.29%) Land $35,000 Building $196,300 | |
| 2025 | $3,306.00 (-10.02%) | ||
| 2023 | $3,674.00 Homeowner's exemption | $213,600 Land $25,000 Building $188,600 | $213,600 Land $25,000 Building $188,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 700 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 | 1,000 / 75 |
May also be available: GigFire, T-Mobile.
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