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657 Cottage Ave E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 657 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,249 sqft · built 1947
Lot Size0.091 acres (3,978 sqft)
Owner2 Individual Names on File
Last Sale$230,000 (Apr 2024)
Tax Bill$3,710 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20-29-22-42-0138

Property Details

APN / Parcel Number

Primary APN20-29-22-42-0138
Alternative APNs
  • 8389987
  • 437453

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,249 sqft Living Area
1st Floor Area937 sqft
Basement Area100 sqft
Finished Basement100 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1962
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Lot Area3,978 sqft (0.091 acres)
Lot Dimensions102 ft deep x 39 ft wide
Garage TypeDetached
Garage Area280 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number437453
Street Address657 COTTAGE AVE E
CitySAINT PAUL
StateMN
Zip55106-1706
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDENNY HILL ADDITION LOT 10 BLK 1
Legal Range22
Legal Township29
Legal Section20
Legal SubdivisionDENNY HILL ADDITION
Legal Block1
Legal Lot Number10
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group3
Census Block3005
Census Tract30602

Owner

657 Cottage Ave E is owned and occupied by two individuals who bought it in April 2024.

Source: Ramsey County records, as of August 7, 2026

Owner of Record2 Individual Names on File
Mailing Address657 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint 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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 3, 2024 · Amount on File
Deed SaleApr 3, 2024 · Amount on File
Prior SaleOct 10, 2008 · Amount on File
Deed Document Number20242771680
Record UpdatedOct 29, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateApr 3, 2024
Property Address657 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
Document Number0T02771680
Instrument DateMar 29, 2024
InstrumentT02771680
Transaction TypeTransfer
Record UpdatedApr 9, 2024
Title CompanyALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$759.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address657 COTTAGE AVE E, SAINT PAUL, MN 55106-1706

Mortgage

Document Number0T02771681
DateApr 3, 2024
InstrumentT02771681
Lender
NameTRUSTONE FINANCIAL CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 657 Cottage Ave E was $3,710 with a homeowner's exemption.

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyRamsey County
MunicipalitySt. Paul City
Unified School DistrictSt. Paul Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$253,800 Land $35,000 Building $218,800$253,800 Land $35,000 Building $218,800
2025$3,710.00
2023$3,940.00 Homeowner's exemption$231,300 Land $25,000 Building $206,300$231,300 Land $25,000 Building $206,300

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

Flood

FEMA maps place 657 Cottage Ave E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 20, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 657 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 RiskNot 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 SystemSaint Paul Regional Water Services
serves 392,529 people · EPA ID MN1620026
Water SourceSurface water
Last State InspectionSep 2025
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Apr 2022
Monitoring and Reporting2
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 554 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber · DSL in parts of the area		2,000 / 1,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: GigFire.

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