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

Ramsey County property record for 679 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1898
Lot Size	0.091 acres (3,978 sqft)
Owner	Company Name on Record
Last Sale	$3,266,058 (Oct 2024)
Tax Bill	$3,210 (2025)
Deeds & Mortgages	Jan 2024 Sale Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-29-22-42-0144`

Property Details

APN / Parcel Number

Primary APN	`20-29-22-42-0144`
Alternative APNs	`8361551` `247257`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	3,978 sqft (0.091 acres)
Lot Dimensions	102 ft deep x 39 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	247257
Street Address	679 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55106-1706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DENNY HILL ADDITION LOT 16 BLK 1
Legal Range	22
Legal Township	29
Legal Section	20
Legal Subdivision	DENNY HILL ADDITION
Legal Block	1
Legal Lot Number	16
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3005
Census Tract	30602

Owner

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	Company Name on Record
Mailing Address	5100 EDINA INDUSTRIAL BLVD, 210, MINNEAPOLIS, MN 55439-3005
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Warranty Deed, Transfer SELENE TITLE LLC
Jun 23, 2021	Deed of Trust, Mortgage · Commercial Mortgage ROYAL BANK OF CANADA
Feb 12, 2019	Loan Modification, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING
Feb 4, 2019	Loan Modification, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2024 · Amount on Record
Deed Sale	Oct 22, 2024 · Amount on Record
Prior Sale	Oct 22, 2024 · Amount on Record
Deed Document Number	20245043101
Prior Transfer Date	Sep 23, 2024
Prior Transfer Doc	0005043101
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jan 22, 2024
Property Address	679 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
Document Number	0A05014565
Instrument Date	Dec 19, 2023
Instrument	A05014565
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	679 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T02703740
Date	Jun 23, 2021
Instrument	T02703740

Lender

Name	ROYAL BANK OF CANADA
Type	Bank
Address	NEW YORK, NY 10281

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Recording Date	Feb 12, 2019
Property Address	679 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
Instrument Date	Dec 7, 2018
Instrument	4746287
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	PREMIUM TITLE INC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3505 KOGER BLVD #400 DULUTH GA 300967672, 400, DULUTH, GA 30096-7672

Mortgage

Document Number	0004746287
Date	Feb 12, 2019
Instrument	4746287

Lender

Name	MORGAN STANLEY MTG CAP HOLDING
Type	Mortgage Company
Address	1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 11, 2024

Interest

Rate Type	Adjustable Rate

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RAMSEY MN
Recording Date	Feb 4, 2019
Property Address	679 COTTAGE AVE E, SAINT PAUL, MN 55106-1706
Instrument Date	Dec 7, 2018
Instrument	2632930
Transaction Type	Mortgage
Record Updated	Feb 18, 2019
Title Company	PREMIUM TITLE INC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3505 KOGER BLVD #400 DULUTH GA 300967672, 400, DULUTH, GA 30096-7672

Mortgage

Document Number	0002632930
Date	Feb 4, 2019
Instrument	2632930

Lender

Name	MORGAN STANLEY MTG CAP HOLDING
Type	Mortgage Company
Address	1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 3, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$197,900 (+6.17%) Land $35,000 Building $162,900	$197,900 (+6.17%) Land $35,000 Building $162,900
2025	$3,210.00 (-10.29%)
2023	$3,578.00	$186,400 Land $25,000 Building $161,400	$186,400 Land $25,000 Building $161,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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