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

Ramsey County property record for 694 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,061 sqft · built 1937
Lot Size0.119 acres (5,227 sqft)
Owner2 Individual Names on Record
Last Sale$206,000 (Nov 2019)
Tax Bill$4,004 (2023)
Deeds & MortgagesNov 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20-29-22-42-0181

Property Details

APN / Parcel Number

Primary APN20-29-22-42-0181

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,061 sqft Living Area
Gross Area1,238 sqft
1st Floor Area884 sqft

Exterior

Year BuiltBuilt 1937
Effective Year BuiltEffective 1959
Architectural StyleBungalow
Exterior MaterialStucco
Lot Area5,227 sqft (0.119 acres)
Lot Dimensions135 ft deep x 39 ft wide
Garage TypeDetached
Garage Area560 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
Heating FuelGas

Location & Zoning

Street Address694 COTTAGE AVE E
CitySAINT PAUL
StateMN
Zip55106-1707
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeD
Legal DescriptionDENNY HILL ADDITION LOT 22 AND PART OF LOT 1 BLK 2 OTTO JOHNSONS ...AND W LINES OF SD LOT 22 BLK 2
Legal Range22
Legal Township29
Legal Section20
Legal Quarter4
Quarter-Quarter Section2
Legal SubdivisionDENNY HILL ADDITION
Legal Block2
Legal Lot Number1,22
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group3
Census Block3006
Census Tract30602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address694 COTTAGE AVE E, SAINT PAUL, MN 55106-1707
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 15, 2019 · Amount on Record
Deed SaleNov 15, 2019 · Amount on Record
Deed Document NumberA04783635
Record UpdatedJun 7, 2026

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRAMSEY MN
Recording DateNov 15, 2019
Property Address694 COTTAGE AVE E, SAINT PAUL, MN 55106-1707
Document Number0004783635
Instrument DateOct 30, 2019
Instrument4783635
Transaction TypeTransfer
Record UpdatedNov 29, 2019
Title CompanyGIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$700.40
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address694 COTTAGE AVE E ST PAUL MN 551061707, ST PAUL, MN 55106-1707

Mortgage

Document Number4783636
DateNov 15, 2019
Instrument4783636
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 14, 2049

Mortgage

Document Number4783637,
DateNov 15, 2019
Instrument4783637
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
AmountAmount Recorded
Term360 Months
DueNov 14, 2049

Tax Assessment & Valuation

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

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
2023$4,004.00 Homeowner's exemption$230,500 Land $25,000 Building $205,500$230,500 Land $25,000 Building $205,500

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

Flood

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

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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