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

Ramsey County property record for 876 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 944 sqft · built 1914
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$222,030 (Dec 2021)
Tax Bill	$3,602 (2023)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-29-22-32-0128`

Property Details

APN / Parcel Number

Primary APN	`21-29-22-32-0128`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	944 sqft Living Area
1st Floor Area	694 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	126 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	876 COTTAGE AVE E
City	SAINT PAUL
State	MN
Zip	55106-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Description	LANE'S PHALEN GROVE ADDITION LOT 1 BLK 6
Legal Range	22
Legal Township	29
Legal Section	21
Legal Quarter	3
Quarter-Quarter Section	2
Legal Subdivision	LANES PHALEN GROVE ADDITION
Legal Block	6
Legal Lot Number	1
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2009
Census Tract	30602

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	876 COTTAGE AVE E, SAINT PAUL, MN 55106-1806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 26, 2019	Warranty Deed, Transfer · Conventional with PMI CHOICE FIN'L
Jul 29, 2019	Deed of Trust, Mortgage · Line of Credit ST PAUL FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 27, 2021 · Amount on Record
Deed Sale	Dec 27, 2021 · Amount on Record
Prior Sale	Sep 26, 2019 · Amount on Record
Deed Document Number	A04926206
Record Updated	Jun 7, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Dec 27, 2021
Property Address	876 COTTAGE AVE E, SAINT PAUL, MN 55106-1806
Document Number	0A04926206
Instrument Date	Oct 29, 2021
Instrument	A04926206
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$732.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	876 COTTAGE AVE E, SAINT PAUL, MN 55106-1806

Mortgage

Document Number	0A04926207
Date	Dec 27, 2021
Instrument	A04926207

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Sep 26, 2019
Property Address	876 COTTAGE AVE E, SAINT PAUL, MN 55106-1806
Document Number	0004775453
Instrument Date	Sep 17, 2019
Instrument	4775453
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$666.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	876 COTTAGE AVE E ST PAUL MN 551061806, ST PAUL, MN 55106-1806

Mortgage

Document Number	4775454
Date	Sep 26, 2019
Instrument	4775454

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	876 COTTAGE AVE E, SAINT PAUL, MN 55106-1806
Document Number	0004779207
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	876 COTTAGE AVE E ST PAUL MN 551061806, ST PAUL, MN 55106-1806

Mortgage

Document Number	0004779207
Date	Oct 17, 2019
Instrument	4779207

Lender

Name	ST PAUL FCU
Type	Credit Union
Address	ST PAUL, MN 55106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 16, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2023	$3,602.00 Homeowner's exemption	$204,000 Land $25,000 Building $179,000	$204,000 Land $25,000 Building $179,000

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 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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)
Lumen Technologies 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 USA Fixed Wireless	100 / 20

May also be available: LTD Broadband.

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