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

Ramsey County property record for 897 Cottage Ave E, Saint Paul, MN 55106

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 1,563 sqft · built 1915
Lot Size0.116 acres (5,040 sqft)
Owner2 Individual Names on File
Last Sale$280,000 (Aug 2020)
Tax Bill$5,030 (2025)
Deeds & MortgagesAug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-29-22-32-0095

Property Details

APN / Parcel Number

Primary APN21-29-22-32-0095
Alternative APNs
  • 8170588
  • 8176096

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms8 Rooms
Stories1 Story
Building Area1,563 sqft Living Area
1st Floor Area1,113 sqft

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1951
Architectural StyleCape Cod
Exterior MaterialStucco
Lot Area5,040 sqft (0.116 acres)
Lot Dimensions126 ft deep x 40 ft wide
Garage TypeDetached
Garage Area436 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number8176096
Street Address897 COTTAGE AVE E
CitySAINT PAUL
StateMN
Zip55106-1807
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLANES PHALEN GROVE ADDITION LOT 22 BLK 4
Legal Range22
Legal Township29
Legal Section21
Legal SubdivisionLANES PHALEN GROVE ADDITION
Legal Block4
Legal Lot Number22
JurisdictionRAMSEY MN
Township / Civil DivisionST. PAUL
Census Block Group2
Census Block2007
Census Tract30602

Owner

897 Cottage Ave E is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record2 Individual Names on File
Mailing Address897 COTTAGE AVE E, SAINT PAUL, MN 55106-1807
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 6, 2020 · Amount on File
Deed SaleAug 6, 2020 · Amount on File
Deed Document Number20204825987
Record UpdatedOct 29, 2026

August 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionRAMSEY MN
Recording DateAug 6, 2020
Property Address897 COTTAGE AVE E, SAINT PAUL, MN 55106-1807
Document Number0004825987
Instrument DateJul 27, 2020
Instrument4825987
Transaction TypeTransfer
Record UpdatedAug 26, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$952.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address897 COTTAGE AVE E ST PAUL MN 551061807, ST PAUL, MN 55106-1807

Mortgage

Document Number4825988
DateAug 6, 2020
Instrument4825988
Lender
NameBELL BK
AddressFARGO, ND 58103
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueAug 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 897 Cottage Ave E was $5,030 with a homeowner's exemption.

Source: Ramsey County assessment roll, as of August 7, 2026

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
2026$307,600 Land $35,000 Building $272,600$307,600 Land $35,000 Building $272,600
2025$5,030.00
2023$4,514.00 Homeowner's exemption$276,600 Land $25,000 Building $251,600$276,600 Land $25,000 Building $251,600

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

Flood

FEMA maps place 897 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2011)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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

The area around 897 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 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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