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

Ramsey County property record for 696 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,167 sqft · built 1937
Lot Size	0.121 acres (5,265 sqft)
Owner	Individual Name on File
Last Sale	$200,600 (Jun 2018)
Tax Bill	$4,118 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-29-22-42-0180`

Property Details

APN / Parcel Number

Primary APN	`20-29-22-42-0180`
Alternative APNs	`8285478` `323168`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,167 sqft Living Area
1st Floor Area	974 sqft
Basement Area	100 sqft
Game Room	Game Room

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1959
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	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	323168
Street Address	696 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 LOT 21 AND PART OF LOT 1 BLK 2 OTTO JOHNSONS ...EXTENDED W L OF SD LOT 21 BLK 2
Legal Range	22
Legal Township	29
Legal Section	20
Legal Subdivision	DENNY HILL ADDITION
Legal Block	2
Legal Lot Number	21,1
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3006
Census Tract	30602

Owner

696 Cottage Ave E is owned and occupied by an individual who bought it in June 2018.

Source: Ramsey County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	696 COTTAGE AVE E, SAINT PAUL, MN 55106-1707
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
Dec 27, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 13, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 29, 2018	Warranty Deed, Transfer · FHA Mortgage TRUSTONE HM MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Prior Sale	Apr 9, 2012 · Amount on File
Deed Document Number	20184715987
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	696 COTTAGE AVE E, SAINT PAUL, MN 55106-1707
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	696 COTTAGE AVE E, SAINT PAUL, MN 55106-1707

Mortgage

Document Number	0A05012184
Date	Dec 27, 2023
Instrument	A05012184

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2063

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 13, 2021
Property Address	696 COTTAGE AVE E, SAINT PAUL, MN 55106-1707
Document Number	0A04912841
Instrument Date	Oct 7, 2021
Instrument	A04912841
Transaction Type	Transfer
Record Updated	Oct 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	696 COTTAGE AVE E, 696, SAINT PAUL, MN 55106-1707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	696 COTTAGE AVE E, SAINT PAUL, MN 55106-1707

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jun 29, 2018
Property Address	696 COTTAGE AVE E, SAINT PAUL, MN 55106-1707
Document Number	0004715987
Instrument Date	Jun 14, 2018
Instrument	4715987
Transaction Type	Transfer
Record Updated	Jul 23, 2018
Title Company	TITLE SMART INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$682.04
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	696 COTTAGE AVE E ST PAUL MN 551061707, ST PAUL, MN 55106-1707

Mortgage

Document Number	4715988
Date	Jun 29, 2018
Instrument	4715988

Lender

Name	TRUSTONE HM MTG LLC
Address	PLYMOUTH, MN 55447

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 696 Cottage Ave E was $4,118 with a homeowner's exemption.

Source: Ramsey County assessment roll, as of July 28, 2025

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
2025	$4,118.00 Homeowner's exemption	$242,700 Land $30,000 Building $212,700	$242,700 Land $30,000 Building $212,700
2023	$4,274.00 Homeowner's exemption	$227,200 Land $25,000 Building $202,200	$227,200 Land $25,000 Building $202,200

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

Flood

FEMA maps place 696 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 696 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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