975 Cook Ave E, Saint Paul, MN 55106 Property Records

Ramsey County property record for 975 Cook Ave E, Saint Paul, MN 55106

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,608 sqft · built 1900
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,410 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`28-29-22-24-0114`

Property Details

APN / Parcel Number

Primary APN	`28-29-22-24-0114`
Alternative APNs	`8080137` `99543`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,212 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	280 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	99543
Street Address	975 COOK AVE E
City	SAINT PAUL
State	MN
Zip	55106-3234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FORESTDALE ADDITION LOT 25 BLK 1
Legal Range	22
Legal Township	29
Legal Section	28
Legal Subdivision	FORESTDALE ADDITION
Legal Block	1
Legal Lot Number	25
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	3
Census Block	3001
Census Tract	31600

Owner

Source: Ramsey County records, as of August 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	975 COOK AVE E, SAINT PAUL, MN 55106-3234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit IDEAL CU
Oct 30, 2025	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 16, 2025
Transfer Doc	0005084686
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	975 COOK AVE E, SAINT PAUL, MN 55106-3234
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 COOK AVE E, SAINT PAUL, MN 55106-3234

Mortgage

Document Number	0A04982529
Date	Mar 13, 2023
Instrument	A04982529

Lender

Name	IDEAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	RAMSEY MN
Recording Date	Oct 30, 2025
Property Address	975 COOK AVE E, SAINT PAUL, MN 55106-3234
Document Number	0A05084686
Instrument Date	Sep 16, 2025
Instrument	A05084686
Transaction Type	Transfer
Record Updated	Nov 7, 2025

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
Address	27691 LACY AVE, CHISAGO CITY, MN 55013-7525

Tax Assessment & Valuation

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		$228,000 (-1.55%) Land $25,000 Building $203,000	$228,000 (-1.55%) Land $25,000 Building $203,000
2025	$1,410.00 (+8.13%)	$231,600 (+3.58%) Land $25,000 Building $206,600	$231,600 (+3.58%) Land $25,000 Building $206,600
2023	$1,304.00	$223,600 Land $20,000 Building $203,600	$223,600 Land $20,000 Building $203,600

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 (1987)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1987 · Severe Storms, Tornadoes & Flooding

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

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 894 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, T-Mobile, Verizon.

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