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

Ramsey County property record for 736 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,271 sqft · built 1938
Lot Size	0.12 acres (5,208 sqft)
Owner	2 Individual Names on File
Last Sale	$240,500 (Feb 2020)
Tax Bill	$4,690 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-29-22-41-0057`

Property Details

APN / Parcel Number

Primary APN	`20-29-22-41-0057`
Alternative APNs	`8365422` `8377146`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,271 sqft Living Area
1st Floor Area	916 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Game Room	Game Room

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,208 sqft (0.12 acres)
Lot Dimensions	124 ft deep x 42 ft wide
Garage Type	Detached
Garage Area	320 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	8377146
Street Address	736 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55106-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANES PHALEN PLACE LOT 6 BLK 3
Legal Range	22
Legal Township	29
Legal Section	20
Legal Subdivision	LANES PHALEN PLACE
Legal Block	3
Legal Lot Number	6
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1000
Census Tract	31000

Owner

736 Cottage Ave E is owned and occupied by two individuals who acquired it in June 2022.

Source: Ramsey County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	736 COTTAGE AVE E, SAINT PAUL, MN 55106-1709
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
Jul 1, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Feb 10, 2020	Warranty Deed, Transfer · Conventional with PMI BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2020 · Amount on File
Deed Sale	Feb 10, 2020 · Amount on File
Prior Sale	Oct 7, 2016 · Amount on File
Deed Document Number	20204797233
Last Transfer Date	Jun 17, 2022
Transfer Doc	0004953826
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAMSEY MN
Recording Date	Jul 1, 2022
Property Address	736 COTTAGE AVE E, SAINT PAUL, MN 55106-1709
Document Number	0A04953826
Instrument Date	Jun 17, 2022
Instrument	A04953826
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	736 COTTAGE AVE E, SAINT PAUL, MN 55106-1709

Mortgage

Document Number	0A04953827
Date	Jul 1, 2022
Instrument	A04953827

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Feb 10, 2020
Property Address	736 COTTAGE AVE E, SAINT PAUL, MN 55106-1709
Document Number	0004797233
Instrument Date	Dec 30, 2019
Instrument	4797233
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$818.00
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	736 COTTAGE AVE E ST PAUL MN 551061709, ST PAUL, MN 55106-1709

Mortgage

Document Number	4797234
Date	Feb 10, 2020
Instrument	4797234

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 736 Cottage Ave E was $4,690 with a homeowner's exemption, up 3.6% from the year before.

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		$330,800 (+0.85%) Land $35,000 Building $295,800	$330,800 (+0.85%) Land $35,000 Building $295,800
2025	$4,690.00 (+3.62%) Homeowner's exemption	$328,000 Land $30,000 Building $298,000	$328,000 Land $30,000 Building $298,000
2024	$4,526.00 (-8.01%)
2023	$4,920.00 Homeowner's exemption	$289,500 Land $25,000 Building $264,500	$289,500 Land $25,000 Building $264,500

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

Flood

FEMA maps place 736 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 736 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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