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

Ramsey County property record for 663 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,142 sqft · built 1928
Lot Size	0.091 acres (3,964 sqft)
Owner	Individual Name on File
Last Sale	$288,000 (Sep 2022)
Tax Bill	$3,806 (2023)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-29-22-42-0140`

Property Details

APN / Parcel Number

Primary APN	`20-29-22-42-0140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
Gross Area	979 sqft
1st Floor Area	816 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1956
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	3,964 sqft (0.091 acres)
Lot Dimensions	102 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	663 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55106-1706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Description	DENNY HILL ADDITION LOT 12 BLK 1
Legal Range	22
Legal Township	29
Legal Section	20
Legal Quarter	4
Quarter-Quarter Section	2
Legal Subdivision	DENNY HILL ADDITION
Legal Block	1
Legal Lot Number	12
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3005
Census Tract	30602

Owner

663 Cottage Ave E is owned and occupied by an individual who bought it in September 2022.

Source: Ramsey County records, as of April 29, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	663 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
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
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 3, 2020	Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Jun 3, 2020 · Amount on File
Deed Document Number	A04963446
Record Updated	Jun 7, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 13, 2022
Property Address	663 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
Document Number	0A04963446
Instrument Date	Aug 18, 2022
Instrument	A04963446
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.40
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	663 COTTAGE AVE E, SAINT PAUL, MN 55106-1706

Mortgage

Document Number	0A04963447
Date	Sep 13, 2022
Instrument	A04963447

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	Other
Max Rate	9.87%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 3, 2020
Property Address	663 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
Document Number	0004814417
Instrument Date	May 27, 2020
Instrument	4814417
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$782.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	663 COTTAGE AVE E ST PAUL MN 551061706, ST PAUL, MN 55106-1706

Mortgage

Document Number	4814418
Date	Jun 3, 2020
Instrument	4814418

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

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
2023	$3,806.00 Homeowner's exemption	$240,000 Land $25,000 Building $215,000	$240,000 Land $25,000 Building $215,000

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

Flood

FEMA maps place 663 Cottage 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 663 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 554 locations within half a mile, as of December 31, 2025

Provider	Max 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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