Ramsey County property record for 705 Cottage Ave E, Saint Paul, MN 55106
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,009 sqft · built 1939 |
| Lot Size | 0.121 acres (5,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Nov 2024) |
| Tax Bill | $3,750 (2025) |
| Deeds & Mortgages | Mar 2019 Sale & Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-29-22-41-0040 |
| Primary APN | 20-29-22-41-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,009 sqft Living Area |
| 1st Floor Area | 740 sqft |
| Basement Area | 100 sqft |
| Finished Basement | 100 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,250 sqft (0.121 acres) |
| Lot Dimensions | 125 ft deep x 42 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 565022 |
|---|---|
| Street Address | 705 COTTAGE AVE E |
| City | SAINT PAUL |
| State | MN |
| Zip | 55106-1708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LANES PHALEN PLACE LOT 15 BLK 2 |
| Legal Range | 22 |
| Legal Township | 29 |
| Legal Section | 20 |
| Legal Subdivision | LANES PHALEN PLACE |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | RAMSEY MN |
| Township / Civil Division | ST. PAUL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30602 |
705 Cottage Ave E is owned and occupied by an individual who bought it in November 2024.
Source: Ramsey County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 705 COTTAGE AVE E, SAINT PAUL, MN 55106-1708 |
| 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.
| Date | Document |
|---|---|
| Mar 12, 2019 | Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Apr 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2024 · Amount on File |
| Deed Sale | Nov 4, 2024 · Amount on File |
| Prior Sale | Mar 12, 2019 · Amount on File |
| Deed Document Number | 20241708797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAMSEY MN |
| Recording Date | Mar 12, 2019 |
| Property Address | 705 COTTAGE AVE E, SAINT PAUL, MN 55106-1708 |
| Document Number | 0004749200 |
| Instrument Date | Mar 7, 2019 |
| Instrument | 4749200 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2019 |
| Title Company | TITLESMART |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $703.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 705 COTTAGE AVE E ST PAUL MN 551061708, ST PAUL, MN 55106-1708 |
| Document Number | 4749201 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 4749201 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAMSEY MN |
| Property Address | 705 COTTAGE AVE E, SAINT PAUL, MN 55106-1708 |
| Document Number | 0004654550 |
| Instrument Date | Apr 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2017 |
| Name | Verified Name |
|---|---|
| Address | 705 COTTAGE AVE E ST PAUL MN 551061708, ST PAUL, MN 55106-1708 |
| Document Number | 0004654550 |
|---|---|
| Date | Apr 13, 2017 |
| Instrument | 4654550 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 12, 2032 |
The 2025 property tax bill for 705 Cottage Ave E was $3,750 with a homeowner's exemption.
Source: Ramsey County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Ramsey County |
| Municipality | St. Paul City |
| Unified School District | St. Paul Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $256,100 Land $35,000 Building $221,100 | $256,100 Land $35,000 Building $221,100 | |
| 2025 | $3,750.00 | ||
| 2023 | $3,732.00 Homeowner's exemption | $222,400 Land $25,000 Building $197,400 | $222,400 Land $25,000 Building $197,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 705 Cottage Ave E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2011 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 705 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.
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 |
| 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.
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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